Insurance and Retirement: Making the Right Decisions

As people go through different stages in their lives, their insurance needs change. The concerns they had when starting out are generally much different than the ones they have as their careers wind down. As they get ready to retire, many people worry whether they are making the right decisions about insurance coverage. They know […]

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Small Business Life Insurance: Protecting Your Small Business from the Unexpected Death of an Owner

When creating a small business, many business leaders and entrepreneurs tend to focus on planning for success. How will profits be divided? Who will make decisions that drive business growth? These are excellent questions, but they only account for half of the plan. For small businesses to be truly protected, their owners must plan for […]

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Professional Liability Insurance for Accountants – What CPAs Need to Know

Financial services professionals such as CPAs, tax preparers and financial advisors can be exposed to the risk of a lawsuit if they make a mistake (even if it’s an “honest” one), especially if that mistake costs their clients money. These lawsuits and settlements can be incredibly costly, easily bankrupting a company or an individual if […]

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What Happens if My Business is Struck by Lightning?

When it comes to protecting your business from electrical events, direct lightning strikes may be the least of your concerns. Most property policies include coverage for damage caused by a direct lightning strike, such as power surges and fire. However, they typically do not include coverage for power surge damage due to a nearby strike […]

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Insuring Trailers

Many customers have asked us what, if any, special coverage is needed on their personal auto policy to cover a trailer they own or use with their personal vehicles. It’s an excellent question, and the answer depends on what kind of trailer you own or use, what it is used for, and how much it […]

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Hiring or Sending Employees to Work in States Other Than Texas

If you hire or send employees to work in states other than Texas – or think you might do so in the future – your workers compensation coverage may need a do-over. When an employee is injured in another state, he or she may have the option of claiming benefits under Texas law or under […]

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Know Your Insurance Coverage Before Renting Out Home

Home sharing has become popular as homeowners in areas near seasonal festivals and events discover a ready source of additional income in short-term rentals. Before renting out your home, it is important to find out if your homeowners insurance policy will cover such arrangements. Most policies provide coverage if a visitor falls and is injured […]

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What to Know about General Liability Insurance for Service Providers

Who Needs Professional Liability Insurance? Any person in a profession in which they provide advice or service may benefit from professional liability insurance. In many cases, carrying professional liability insurance is a requirement in order to practice. The following service professionals are exposed to a high degree of risk due to the nature of the […]

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General Liability for Restaurants – What You Need to Know

There’s no doubt owning and operating a restaurant is a tough business. It’s estimated that around 27% of new restaurants fail within the first year of business. That number approaches 60% by the five-year mark.1 With so much uncertainty and so many challenges to overcome, restaurant owners should protect their investment and livelihood with adequate […]

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Attorney Professional Liability Insurance – What is it and how much do I need?

Being sued for malpractice is a concern for any practicing attorney. A suit could be completely baseless or even frivolous and still cost you time and money to defend against. As a lawyer, you could be sued for a variety of negligence-based claims. The top five are: Failure to know or apply the law – […]

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