The following information is for educational purposes only. There is no guarantee of coverage promised or express warranty implied. Please contact us if you have any questions.

Is Business Liability Insurance on Your Mind?

Does Your Business Have The Right Property Insurance?

If your employer issues company-owned property to you, such as a laptop, and it becomes damaged, it may not be covered by your homeowner's policy. Your employer should have a business property policy with off-premises coverage. However not all businesses secure such coverage. For those that do, the coverage most likely includes limitations and exclusions that may increase the employee's responsibility should damage occur. Even homeowner's policies that include business property coverage place limits on the amount of coverage provided and/or may not cover the property if the damage occurs away from the home. As a precaution, we recommend you do two things. First, ask your employer about the guidelines for the use of company-owned property away from the office, including how financial responsibility for damages is determined. Second, check with the agent that handles your homeowner's policy, to ensure you have the right coverage for your situation. It is wrong to believe that General Liability is the only coverage a business needs.

Gambling with Your Health?

A study done by the Institute of Medicine has identified a direct link between a lack of health insurance and death from health-related causes. In Texas, as many as seven people die each day because they are without health insurance. For people between the ages of 55 and 64, not having health insurance ranks third as a cause of death (following heart disease and cancer). The reasons are logical. Diagnosis is much more likely to occur when a disease is in an advanced stage and more difficult to treat. Additionally, individuals without health insurance are less likely to pursue preventative care, which can greatly lessen the risk of developing life-threatening conditions. Don't gamble with your health. Contact us! We will help you learn about the many options available to you.

Business Liability Provides Protection for Your Volunteers:

We are a nation filled with volunteers and we applaud those who give of their time. But, even actions with the best intentions can at times have dire consequences. If you cause an automobile accident while you are actively volunteering, are you sufficiently covered in regards to liability? Generally, homeowners and auto policies cover non-business activities, however only for bodily injury and property damage (they may not cover personal injury, for example). Additionally, some policies exclude coverage when the insured is reimbursed for expenses and/or travel. commercial insurance policies (both Business Auto and General Liability) can provide coverage for volunteer exposures, with the proper designations.