Property and Casualty Insurance in North Texas
One thing that every homeowner fears after a property loss is hearing the words "Sorry, you're not covered.” Wealthy Families and individuals often have homes equipped with expensive electrical systems such as complex multi-zone heating and air conditioning systems, home security systems, and home theater systems. These often elaborate systems Continue Reading …
Typically, insurance certificate management takes a backseat to creation of leases and contracts pertaining to liabilities – that is until a loss occurs. This often overlooked function is just as crucial to the success or failure of a company as the tens of thousands of dollars spent on legal liability precautions. Companies often taking for Continue Reading …
Should I purchase the Loss Damage Waiver offered by the rental agent when I rent a vehicle? This is a great question, and one that our customers ask frequently. Whether you rent a vehicle for personal use while on vacation, or as a substitute while your vehicle is out of commission for repair or service, or for business use while out of town, Continue Reading …
Hiring or Sending Employees to Work in Other States 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 Continue Reading …
If a household employee is injured while working for me, will my homeowners insurance policy provide any help with the medical bills? What if the employee sues me? Do I need to purchase workers compensation insurance? You are not required to purchase workers compensation insurance to cover these employees, because the Texas Workers’ Continue Reading …
The holiday party season is just around the corner. If you are considering hosting a party for friends and family this year, whether at home or in a restaurant or rented facility, you want to be sure the event is not ruined by an insurance or liability issue – and there are plenty of issues to consider. Liquor Liability Even though Continue Reading …
A gas exploration company land man has offered me a large sum of money to explore for gas on my property and an even larger sum of money to extract the gas if they find it. What potential liabilities do I face if I accept the offer and what insurance is available to protect me if something goes wrong? That’s an excellent and timely Continue Reading …
I own some vacant land and farm land that I want to lease to groups of hunters and also allow some daily hunting by individual hunters. What kind of liability insurance should I purchase to protect me in case someone is hurt while hunting on my land? Isn’t there a law that gives me immunity for this? We’re glad you asked, because chances are Continue Reading …
Will the liability insurance on my homeowners policy cover me if I accidentally shoot someone while hunting? What about some other kind of accident on my hunting lease? And do I need any special coverage on my hunting jeep and 4-wheeler? It’s as certain as the hunting seasons: When the season begins, hunters ask us about liability Continue Reading …
The experience rating modifier is the one area where an employer’s efforts can significantly reduce insurance premium cost. Experience rating is the interaction of claims management and workers compensation insurance pricing. An organization that controls its losses also controls its experience modifier and ultimately is responsible for higher or Continue Reading …