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Important Note:

June through November our agency may become prohibited from binding coverage should a “Tropical Disturbance” enter the Gulf of Mexico or Caribbean Sea.

In these cases we may be unable to bind new coverage quoted in open proposals until the storm leaves our area and our binding authority has been restored.

Please arrange your coverage protection early to avoid this type of delay. While we regret any inconvenience, the carriers impose these restrictions on all agencies.

Tips on How to Save on Life Insurance Premiums

Estimating Insurance Coverage Requirements

No matter whether you’re single or wedded, you’ll have to find out your expenditures, and also prepare for the future.

If you have dependents, you must get adequate insurance to change the revenue you currently generate for them, as well as compensate for any type of extra expenses they may sustain to replace the services you presently supply.

Although there isn’t really any specific formula to estimate life insurance policy needs, a fast and standard method to get a harsh quote is to take your yearly revenue and also increase it by 7.

An additional trick is that your strategy should adequately replace the “concealed earnings” that would be lost at fatality. Covert earnings is earnings that you obtain with your employment that isn’t part of your gross salaries. It consists of things like your company’s payment to your medical insurance costs, the matching contribution to your 401( k) strategy, as well as several various other “perks”.

You must likewise plan for expenditures that emerge at fatality. These include funeral costs, taxes as well as management expenses connected with “winding up” an estate and also passing the residential property on beneficiaries.

Do you have sufficient Health Insurance?

Many employers provide medical insurance to their workers. But also for others, it is up to them to offer their own health insurance. In either case, you may not have sufficient coverage for costly clinical expenses. Ideally, you need to make the effort to analyze your medical insurance strategy to establish if you should buy a lot more, alter your policy, or even minimize what you have.

Medical insurance plans vary from one company to an additional. Some require that you check out only authorized medical professionals and clinical centers for your needs, while others enable you to decide what is right for you. An increasingly prominent selection is wellness savings accounts that permit people to place money away each year right into authorized accounts to spend for their clinical expenditures. Any type of approach that you choose is better compared to having no clinical coverage.

Private health insurance plans are available to help you identify exactly what your needs are, and also to shield your health and wellness which of your family members. Such strategies likewise enable you to choose the physicians you wish to see. To have medical coverage in times of demand is valuable certainly, yet to have complete control over your policy is an added benefit!

If you do have medical insurance, spend time in recognizing just how it functions, and what it can supply you. You should know which medical professional you could see, as well as if you require approval for unique brows through. It is additionally essential to recognize what does it cost? of your medical expense is paid by the insurance plan. Some supply only 80 percent while others will not include prescription medications. Talk with your insurance policy representative today to identify just what medical insurance plan will finest fulfill your demands.

Temporary or Lasting, which one to get?

If you are unable to select the term of health insurance, you should have a clear image of the benefits of both in order to select tenure. A temporary medical insurance plan is right for those who are currently living in the United States, waiting on another strategy or between work. It is likewise ideal for those without any kind of medical wellness protection, and pupils who have actually simply graduated. The tenure of cover of a short-term health insurance policy ranges from one month to a year.

If you feel that you need an insurance coverage for greater than a year, it would be useful to take a look at other individual/family health insurance policies. A lasting treatment health insurance plan helps cover health care services utilized by insured clients that have actually prolonged health problem or special needs. Lasting treatment solutions also cover regular tasks like assistance in bathing, clothing, and also dishes. Neither Medicare nor Company Health Insurance covers these solutions. While long-term care insurance coverage do spend for such kind of services, they are expensive. Before you purchase such a plan, make sure that you could pay for to pay the costs currently as well as later.

Group Medical Insurance– Exactly how it works

A team medical insurance policy is insurance coverage applied by the company with an insurance company. The employer typically pays a part of the costs of the group medical insurance plan. A team health insurance policy offers a company the advantage of not paying the whole premium for the insurance plan in order to cover his employees. The best way to obtain group medical insurance is to get a quote from different firms as well as locate the one that best suits your business and also your workers.

Can Group Insurance policy be categorized under tax incentives?

Team medical insurance is tax deductible. Offering medical insurance to workers has many advantages. Not just are workers better, yet likewise they are less most likely to switch work.

Which Life Quote is right for me?

A life insurance policy shields your household financially if you or your spouse dies. Insurer comprehend that life is constantly transforming, so there are a selection of life insurance plans to fulfill your altering needs. Because many households depend on two incomes simply to make ends meet, insurance provider provide plans that can insure greater than someone, shielding the total family members earnings.

It is never prematurely or far too late to think about your life insurance policy alternatives. There are 2 major kinds of life insurance policy– term as well as entire life. Entire life is occasionally called permanent life insurance policy, and it inclusives several sub-categories, including conventional whole life, universal life, variable life and also variable global life. Term life insurance supplies monetary security for a restricted and specific time period, at a reduced expense than irreversible life insurance. These policies end without worth if the insured endures the stated period. Universal life insurance policy gives survivor benefit as well as income tax-deferred cost savings to assist you satisfy your economic goals while you are living. It has several adaptable functions and benefits that can transform with your changing financial demands. Whole life insurance provides the protection amount to your recipient in case of your death, in addition to cash-value financial savings you could use throughout your lifetime.

Variables you need to take into consideration before purchasing Medical insurance

Prior to acquiring your medical insurance coverage, you should consider these elements:

-The integrity of the insurance company. Does it deal with individuals relatively? Does it pay cases immediately? Does it have adequate team to answer your inquiries and resolve troubles?

-Most insurance coverage require you to cover part of your health and wellness expenses on your own (your part is called the “insurance deductible”) prior to the company pays anything. Under some policies the insurance deductible is yearly, and you pay just as soon as every year if you make use of the insurance. Under others, you pay the deductible each time you have a disease or injury. In selecting insurance policy, you should believe very carefully regarding just how much you could pay for to pay out of your own pocket each time you are sick or damaged, as well as consider the insurance deductible against the premium prior to you decide.

-Usually, after you have paid the deductible, an insurance plan pays only a percent of your medical expenditures. The plan might pay just 80 percent; the staying 20 percent, for which you are responsible, is called the coinsurance or co-payment.

-Some policies state specific buck limitations on what they will certainly spend for particular solutions. Various other plans pay “typical” or “affordable” costs, which indicates that they pay exactly what is typically butted in the town. Be really mindful in reviewing plans with specific buck restrictions; for significant health problems, the limit might be far too low and you might have large clinical costs not covered by your insurance policy.

-Some insurance plan placed a time frame on health problems and also injuries. In that case, after the advantage duration for a problem has run out, you need to pay for proceeding the treatment of the disease on actual expense basis, even if you are still insured by the firm.

-Lots of insurance policies do not cover pre-existing conditions. If you get here with a condition that will require medical focus, validate the pre-existing facet of the plan that you are examining.

5 Tips for Saving Money on Employee Benefits


Employees’ loyalty is greatly enhanced when their employer offers them decent employee benefits. However, offering benefits can be a struggle for small businesses with limited profit margins. Below we offer 5 tips on helping smaller employers to minimize the costs of providing their loyal employees with good benefits.

1. Consider buying cooperatives

Health insurance buying cooperatives can help smaller companies to woo potential insurance providers. Each cooperative has its own unique structure, and may or may not issue superior insurance rates to companies in the regular open market. The value of buying cooperatives is often determined by local insurance underwriting rules and regulations.

A New York City business cooperative, for example, offers members up to 35 health plans to compare and choose from. Though the insurance itself often comes with no discount, members are nonetheless entitled to additional benefits such as free health assessments and discounted dental care.

2. Health Savings Accounts & High-Deductible Health Plans

Employers can use these plans to influence employees into considering their own healthcare costs. People with high-deductible health plans (HDHPs) can use HSAs to harness employee tax funds for non-covered medical expenses. Unused HSA funds can also conveniently be rolled over to the following year. Both employers and employees alike can fund an HSA plan.

Additionally, health reimbursement accounts (HRAs) can also be used in conjunction with HDHPs. Employers use an HRA to set aside funds that can be used to reimburse a fixed amount to employees when it comes to non-covered healthcare expenses and deductibles. The funds are technically owed to the employer, but the employee can nonetheless roll unused funds over to the following year.

3. Look into disease control

Thorough health assessments and preventive healthcare can ease the symptoms and onset of chronic diseases such as asthma or diabetes. Smaller businesses with limited profits and healthcare budgets will often struggle if an employee has a long-term illness that racks up medical bills. In order to avoid this, many smaller companies are now running disease control plans that aim to treat and manage any chronic diseases that their employees may suffer from. Both insurers and third-party organizations provide these disease control plans that can save a smaller business tons of healthcare costs in the long run.

4. Utilize FSAs (Flexible Spending Accounts)

Employees can use FSAs to pay for non-covered medical bills with their pre-tax money. FSAs come in the form of special debit cards that cover co-pays and medications that are uncovered by the employee at hand’s insurance plan. The money is taken away from the pre-tax funds that employees reserve. These FSA cards cost very little to own (often $2 or $3 per month) yet several FSA providers include them as added perks with certain insurance plans.

5. Implement a company wellness plan

Whether it’s a free gym membership, healthy canteen, or free periodic health tests, employers can provide their staff with many health-conscious facilities and resources that often see their insurance costs drop. Employer insurance costs can be greatly reduced by promoting health and wellness knowledge among your staff and providing them with the necessary facilities with which to boost their health.

We’re always looking out for insurance information that affects your finances and your health too. Get in touch with us 24/7 and we will answer any insurance-related questions you may have.

5 Workplace Safety Mistakes You Should Avoid At All Costs

The Occupational Safety and Health Administration (OSHA) compels employers to ensure that their employees’ working environment and conditions are safe and free of any apparent dangers. Workplace safety inevitably requires strict training and inspections in order to be effective, as well as complete adherence to all the regulations and rules that are set in place. Most workplace accidents and ailments are able to be prevented by following strict protocols and safety plans.

Employers should never ignore their staff taking shortcuts that compromise the health and safety of their day-to-day operations. Cutting corners and ignoring health and safety regulations could lead to hazardous and inevitably life-threatening situations that could negatively affect you and your employees. Below we have highlighted 5 workplace safety mistakes that should be avoided at all costs.

1. Ignoring PPE rules

Personal Protective Equipment (PPE) should be worn throughout the entirety of any tasks that require it. Uncomfortable temperatures or overly-nonchalant attitudes should not excuse employees from wearing their PPE at the appropriate times. Conducting periodic PPE assessments allows you to comprehend the PPE that is necessary for your workers and working environment. It is your responsibility as an employer to ensure that your employees are provided with well-fitting PPE that protects them during their day-to-day duties.

2. Using incorrect tools

Using an incorrect (or makeshift) tool for a job is inevitably hazardous and inefficient. Even if a tool is similar to the appropriate one, it is still not advised to use it. Tools are built for specific applications; forcing tools to do things that they are not designed for is inherently dangerous. Employers should always provide their workers with the appropriate tools to carry out their duties.

3. Skipping routine machine inspections

You should always conduct routine machine inspections, even if a machine seems to be working as it should. Machine breakdowns and maintenance procedures can crop up when you least expect them, so be sure to stick to your scheduled machine inspections. Have certified professionals conduct thorough machine inspections that can alert you to any subtle hazards or problems. Though this may take up your time, having an expected machine breakdown in the middle of a busy day can be catastrophic and dangerous.

4. Refusing to review annual safety guidelines

Your business inevitably changes and evolves over time, and your safety guidelines should evolve too. Reassess your safety guidelines every year and be sure to educate your employees about them regularly. You should ideally train your employees with regards to workplace safety regulations on a regular basis, especially if you make changes and modifications to your facilities or processes. The latest version of your health and safety guidelines should always be available for your workers to peruse.

5. Using ladders instead of scaffolding (and vice versa)

Scaffolds and ladders are not interchangeable; they have their own specific purposes. Swapping either of these pieces of equipment for the other can lead to serious injuries and fatalities. There were over 800 fatalities as a result of falls in 2015; it is of the utmost importance that employees working in elevated areas are provided with robust and appropriate equipment for ascending and descending heights.

Always remain organized and proactive when it comes to workplace safety; an accident will occur when you least expect it. When an accident does happen, following the appropriate health and safety guidelines will allow you to rest assured that your employees are as safe as they can possibly be. It also covers your back in the event of legal proceedings and insurance claims.

We’re always looking out for insurance information that affects your finances and your health too. Get in touch with us 24/7 and we will answer any insurance-related questions you may have.

Getting Health Insurance When You Retire

Those of us who have had lengthy careers with good employers have most likely never needed to worry about health insurance plans, as good employers will consistently reward their loyal employees with health benefits. If you’re approaching retirement age, however, you may need to evaluate your options when it comes to a health insurance plan for your retirement.

Below we offer a few tips to help you in this process!

1. Compare your options

The Affordable Care Act means that those retiring before the age of 65 cannot be denied health coverage for any pre-existing medical conditions. Despite being named the “Affordable” Care Act, its supposed affordability may seem rather steep to some people. Although you can get coverage, retirees between the ages of 55 and 64 will usually be paying at least $1,000 per month in costs. Although President Trump may modify the healthcare system, this aspect is likely to stay the same. This is potentially good news for those planning to retire between the ages of 55 and 64.

Those aged 65 years and older are eligible for Medicare, though there will be options that you will have to decide between. You have regular Medicare or the Medicare Advantage Plan, for example, each of which has their own associated advantages and disadvantages depending on your circumstances. is full of information, though talking to an insurance agent will help you to make an informed decision.

As you compare your retirement healthcare options, be sure to account for general healthcare costs every year. Your insurance coverage may cover a lot of things, but you should leave an additional $10,000 per person per year for other costs such as dental and premiums.

2. Discover group health retirement benefits

Before you do anything else, make sure that you examine your existing healthcare benefits and find out how they change (or go away entirely) upon retirement.

You may, for example, find that you have to option of continuing with your group plan. Sometimes you may have worked with an employer for enough years to receive retirement benefits. Additionally, you may reach an age which makes you eligible for certain health insurance benefits regardless of your past service. If necessary, go to insurance workshops and study the fine print on your employer’s health insurance policies for retired former employees. If you find that your employer doesn’t offer health benefits to retirees, you should check to see whether you can stay on the current plan in accordance with COBRA provisions.

3. Frequently review your plan choices

When fall’s open enrolment comes around, you should check to make sure that you’re getting the best bang for your buck with your health insurance plan. Plans change all the time, along with their fees and associated health benefits. An insurance agent can help you to find a plan that fulfills your retirement needs without plunging your bank account into the red.

4. Speak with an agent

If you need help, you can always speak with a health insurance agent who has ties to your area’s major health plan providers. Many health insurance agencies have retirement specialists who assess retirees’ health insurance options for a living. An insurance agent will compile information about your medical records and income, providing you with a list of recommendations based on your needs and annual budget. Working with a health insurance agent allows you to feel at ease, knowing that you’re working with someone who understands all the nuances of insurance policies and documents.

We’re always looking out for insurance information that affects your finances and your health too. Get in touch with us 24/7 and we will answer any insurance-related questions you may have.


Top 10 Workplace Safety Guidelines

A safe workplace is a function of how the management and workers of an establishment adhere to and communicate safety standards. Workplace safety is not all about policies and practice guidelines alone.

Strong workplace safety is built around encouraging employees to identify unsafe behaviors and recognize opportunities for improvement. This will help them make well-informed safety decision while discharging their duties.

Below are Top 10 Workplace Safety Guidelines Each Employee Must Know to help you create a safe working environment centered on shared responsibility:

  1. Be Aware of your surroundings: this simply means being aware of the particular hazards associated with your workplace or job. After learning these risks, you will be able to avoid potentially hazardous areas and situations, as well as machinery.
  2. Keep correct posture to protect your back: if you do your job at a desk, ensure to align your shoulders with your hips to avoid backaches. When picking objects up, always bend appropriately so that you don’t hurt your back. Try as much as possible to avoid stooping and twisting. Using safety equipment and ergonomic designed furniture will also ensure that everything you need is within reach so that you don’t have to strain your back when you want to get them.
  3. Go on regular breaks: a majority of injuries and illnesses that occur in the workplace are because a worker is tired and burned out, making him not to be alert to his environment. Going on regular breaks helps a worker stay afresh on the job. A great tip for keeping alert is to schedule the most onerous tasks when your concentration is at its best; after you wake up in the morning.
  4. Use machines and tools properly: always follow proper instructions when using a particular device, avoid taking shortcuts as this is a leading cause of workplace injury. For example, using scaffolding as a ladder, or using a tool in place of another for a particular job is a huge risk. When you use the right tools the right way, you have significantly reduced the chances of workplace injury.
  5. All emergency exits must be easily accessible: you will need to reach the doors quickly and easily in case of an emergency. Also, all roads or entrances leading to equipment must be clear in case you will need to stop them from running during an emergency.
  6. Let your supervisor know about unsafe conditions: did you notice any safety hazards or risks in your workplace? Report them immediately to your supervisor. Legally, they are obligated to make a working environment safe for their employees. So they will take care of any reported unsafe condition to ensure you and your co-workers have a safe working environment.
  7. Use mechanical aids whenever possible: rather than trying to carry or lift a heavy item to save time during your workday, you could take extra time to use a wheelbarrow, crank or forklift, or conveyor belt. A lot of injury risks are associated with lifting heavy objects.
  8. Be sober: Many workplace injuries occur as a result of drugs and alcohol. Drug usage or alcohol consumption can compromise a worker’s ability to exercise judgment, coordination, alertness or concentration, motor control, and could expose him to different workplace injuries and fatalities.
  9. Minimize workplace stress: endeavor to keep workplace stress at it bearest minimum because it can result in lack of concentration or depression. Some examples of the common causes of workplace stress are a heavy workload, long hours, job insecurity, and conflicts with co-workers or managers. Discuss your workplace stress concerns with your supervisor and see if they can help you address them.
  10. Wear the correct personal protective equipment (PPE): a great way to reduce workplace injury is by wearing the proper safety equipment; lack of these may get you injured. Equipment such as earplugs, earmuffs, safety goggles, hard hats, gloves, or a full-face mask is recommended for specific jobs and can help reduce the risk of workplace injury associated with such jobs.

The business owner and facility manager must educate their employees on workplace safety efforts and encourage the workers to be active players in the process. By encouraging your employees to think and practice safety, you’ll control costs with reduced injuries. You’ll also reduce insurance costs.

And if you need to review your risk profile and get advice on managing risk costs, contact us anytime!


5 Tips to Prepare for an Unclear Future – Insurance Planning is Financial Planning

The rate at which the world is changing is faster than most people can process.  We find ourselves asking, what just happened and what does that mean? There is a constant ripple effect resulting from each change happening in the world. This affects you, your family, your close relations, the ones you love, your friends, your colleagues, etc.

In the midst of all these changes and challenges, many people sleep well at night while others are so stressed, they find it difficult to get a great night’s rest. So, what are some ways to achieve peace of mind?

  1. Start saving… today!

The amount saved is less relevant to building a habit of regularly saving. It’s this habit that will help you get ahead each month. Pay yourself first and then simply find a way to make up for it by more aggressively looking for bargains in your everyday spending. As for debt, you simply need a plan to help you manage it. Of course, if you have debt, protecting against a loss in income is super-important. Savings combined with insurance can help.

  1. Instead of thinking “what’s in it for me” think “what’s in it for us.”

When thinking about financial planning for your family, realize that it is a team effort. Learn to communicate things clearly, create a future plan together, and be clear about your mutual financial goals.

  1. In life, certain events will occur!

Life will throw many things at you. With a little planning they won’t overwhelm you. Sure there are the things you plan like buying houses and cars, or taking trips. However, there are other things that might be unexpected… You might discover you’re pregnant (surprise!). You might receive a pink slip and lose your primary source of income. As you develop a financial strategy, leverage the 3Ps – Plan, prepare, and protect to safeguard the assets you have.

  1. Think about insurance as part each major financial decision. Also, set a regular schedule to think about insurance.

Be aware that insurance will always part of the decisions you will have to make for every major life event. Having a regularly scheduled “insurance review” and revisiting all your insurance coverage for your major life events  helps ensure you have adequate protection. And when life changes occur, it’s best to include your financial planner and independent insurance agent in the discussions to get the best advice for your evolving situation.

  1. Have “go-to” people who can help you in difficult times.

Speaking of getting help… having people you trust that you can quickly reach out to in moments of uncertainty will ensure you make the best decisions and give you further peace of mind… (We’re here for you when you need us!!!)

Planning creates peace of mind!

People usually don’t like thinking about catastrophic events that could happen. People don’t like thinking about unforeseen dangers or risks to enable them to come up with a plan for each. Yet life becomes easier to manage when you consider these things and have a plan of action including insurance.

Did this article prompt a question? Reach out to us! We would love to hear from you…

The Common Insurance Every Serious Construction Contractor Must Have

More often than not, construction insurance is necessary for each construction project. This kind of insurance typically offers coverage for natural disasters, risks, material, employees, as well as your company. Here are some of the most common insurances for the construction industry.

  1. Contractor Liability Insurance Coverage

For protection against injuries, property damage, and accidents suffered on the job, there is a need for a good contractor liability insurance coverage. Also, workers in the construction industry can accidentally damage property by mishandling materials and tools, or while a remodeling process is ongoing.

  1. Builder’s Risk Insurance

This insurance policy covers the payment if there’s any damage as based on the coverage limit. This limit is a solid representation of a given structure’s entire completed value. In other words, it includes all materials and labor cost, without land value. Coverage for damages resulting from faults such as design, planning, materials, and workmanship are not included.

  1. Performance Bond

In a situation where the contractor is unable to perform or fails to complete the project according to established and provisions of the contract, the performance bond will help to protect the owner against possible losses. The surety will be responsible for reimbursing the owner for losses in cases where the contractor declares bankruptcy or defaults.

  1. Payment Bonds and Construction Projects

To ensure all subcontractors, material suppliers, and laborers are paid to leave the project lien free, there is a three-way contract, the payment bond, formed between the owner, the contractor, and the surety.

  1. Professional Liability Insurance

Professional Liability Insurance covers errors caused by Contractor’s carelessness while carrying out his functions under the specified agreement. If your omissions and errors resulting in loss of client investment or if you do not perform your contractor duties, the insurance covers your litigation expenses.

  1. Flood Insurance

Flood insurance may be beneficial (or required) in situations where a project is located in a flood zone. It is needed for avoiding insurance solicitations when the construction project could be impacted by a flood event.

Construction Insurance Cost Control

By completing your jobs in a timely manner and maintaining excellence in your construction business operations, you can save with smaller premiums and deductibles in your insurance.

On the lookout for other great information about insurance topics? Contact us anytime for all insurance related questions.

Common and Expensive Car Insurance Mistakes and How to Avoid Them

Important Information

Most people will not argue the need to have car insurance for their cars because they know that how important auto insurance is to cover difficult situations such as theft, natural disasters, and accidents.

However, what most car-owners don’t know is how to avoid certain car insurance challenges. Some of the the most common mistakes range from paying too much, not having adequate coverage for your insurance needs, or signing up for redundant policies.

Here are some other challenges…

Not fully understanding the coverage you’ve purchased

Do not be deceived by the term “full coverage”. You might not be as covered as you think you are. Never make assumptions about the coverage you have or don’t have. Always get clarity on your insurance contract. Your agent should be happy to help you understand. And if they leave you with more questions than answers, we’re here to help!

Not asking about discounts

There are numerous discounts you may be entitled to have, such as price reductions, discounts for seniors, students, safe drivers, and lots more. Also, you could save on your premiums based on how your vehicle is equipped. Never fear of asking your insurance agent for discounts. They add up!

Neglecting to compare rates

While shopping for insurance isn’t really fun, getting multiple quotes is beneficial…  comparing rates benefits your wallet and gives you peace of mind. The good news is that as an independent agency we compare rates between multiple carriers to find the best policies for our clients!

Purchasing only the state-required minimum

Purchasing state minimums for your insurance may keep your insurance premiums low. However, it will always cost you more if and when you need to make a claim. It is advisable to pay a little bit extra just for that peace of mind. That way you will be ready for anything that comes your way with complete coverage.

Avoiding these car insurance mistakes is easy and we’ll gladly help. If you have questions about car insurance, please reach out to us!

Preventing Future Auto Insurance Problems

Choosing the right insurance policy can be an excruciating process for many people, and they try as fast as possible to get through it. When getting auto insurance, most people prefer to go with a company they know or one they often see on TV. Often, folks discover too late via terrible customer service or a complicated claim filling process that their auto insurance is doing more harm than good.

The smarter way to buy auto insurance

Vehicles are not assets, but a liability. They start depreciating the moment you put on your ignition and start to drive home. Right from there, your car will continue to lose value and cost you money. No one wants to lose their vehicle or overspend on the car for repairs after an accident. So it’s wise to take time and choose the right auto insurance policy suitable for you and your needs.

There are several things you can do when choosing an auto insurance plan. The first is to check all details of what is included in the package. A lot of people pay little or no attention to these details until an accident occurs. Of course by then, it’s too late. And some folks also make the mistake of opting for the lowest quote they can get. However, they fail to understand that the coverage is insufficient.

A lot of people will think that by omitting family members who drive the car “occasionally” that they are saving money. However, they may be voiding their insurance altogether. It’s best to really thoroughly discuss your situation and planned car-use to be sure you have adequate insurance coverage.

Prepare for the future

If you go to a little extra effort to protect your vehicle with the right insurance, you  can significantly decrease the potential risks you face.

Always have it in the back of your mind that the cheapest insurance policy isn’t always the best option for you. You will have to consider several factors before choosing an insurance provider. Apart from the price, other factors to consider include customer service, feedback from customers, and financial stability.

Oh, and we offer an extra benefit. We secure quotes between multiple carriers to help you find the most competitive rates. That means we take care of the shopping for you.

And if you’re on the lookout for great information about insurance topics that impact health and your pocketbook, check back here often. And please contact us anytime for all insurance related questions.

5 Insurance Tips to Help You Protect Your Small Business

According to statistics, there are 28 million small businesses in the United States, which account for 54% of all sales. These businesses are driven by entrepreneurial spirit and the burning desire to introduce a unique idea to the market or offer a unique skill.

Launching a business and keeping it thriving demands great passion, robust business plan, significant capital and some other things most people usually overlook, such as insurance.

Starting a business is itself a risk, so all business owners must take the time to insure themselves, their investment, employees, and property the right way. There are lots of things to put into consideration, such as commercial auto, property, and workers’ compensation. As complicated as it seems, it is straightforward if you know where to start. Here are some tips below:

Risk abounds… understand possible threats

It is essential to understand threats that may work against your business before deciding on how to protect it. Since there are several commercial insurance options, you must first understand your needs and your level of exposure before opting for a coverage. Loss of income, slip and falls, fire, defective products, equipment breakdown, injured employees or customers are some of the threats that can affect a business. Do not just wish them away, assess every step of your business, contemplate the worst that could happen and get insurance for it.

Employment Practices Liability Insurance

Sometimes, the employer-employee relationship can go south. Although most business owners try to maintain a good, healthy relationship with their employees, disputes are inevitable. Every business owner must protect themse just in case any minor conflict translates to litigation. With Employment Practice Liability Insurance, employers are protected against wrongful acts that may occur out of their employment practices, which may include age, race, sex discrimination, failure to promote, and wrongful termination. In today’s insurance market, this coverage is quickly becoming indispensable.

Find security in a digital world

In 2017, CNBC reported that hackers had hacked 14 million businesses in less than 12 months; that is nearly half of all small businesses in the United States. So, endeavor to get insurance for any online threat your business may face. If your business requires you to conduct transactions or collect customer’s personal information online, then the Cyber Risk Coverage or Data Compromise coverage will be ideal for you. If hackers ever were to successfully steal a customer’s information or if the information leaks, such customer may want to take legal action against you. Usually, Data Compromise Coverage provides Response Expense Coverage that helps cover the cost of informing and assisting your customers after a data hack. Selecting this option also provides Defense and Liability Coverage, which takes care of third-party action brought against you by those affected by the data hack. Comprehensive Cyber Risk coverage provides coverage against electronic data damage and computer systems from a virus or computer attack. It also protects your business’s liability to third parties if there is any damage to them as a result of your business’s computer system vulnerability.

Home is where the heart is

If you run a home-based business and you have a homeowners’ policy, please note that the policy does not protect your home-based business. After assessing the risks associated with your business, you may want to add a rider to your policy to protect the primary business risks. Be sure to add business insurance to protect your home-based business.

Consult an agent

This is the most important tip. Work with our team with the aim of determining the right coverage for your business. We’ll develop a plan that will help protect your business.

And as always, if you’re on the lookout for great information about insurance topics that impact health and pocketbook… Contact us anytime for all insurance related questions.