July 1, 2020

Business Insurance for Contractors

Often insurance companies have bundles ready for specific businesses, like contractors. There is no specific contractors’ insurance, but we know that these businesses typically require similar coverages. These bundles typically include general liability insurance, commercial property insurance, and builder’s risk. In the end, though, you select the policies that best suit your operations. Usually, a […]

June 24, 2020

Do I Need a Personal Umbrella Insurance Policy?

When most think of umbrella insurance policies, they assume it applies to a corporation. Umbrella insurance is, after all, liability insurance, and we do usually think of liability in terms of a company. But an individual or dependent can also cause property damages or bodily harm that can mean certain lawsuits. Additionally, your umbrella insurance […]

June 17, 2020

The Benefits of Having an Independent Insurance Agent

When you understand the difference between a direct writer and an independent insurance agency, then the main benefit behind us becomes obvious. A direct writer works for a single insurance company. Meanwhile, independent agents, like us, represent and work with a variety of insurance carriers. As we will outline, this difference amounts to your insurance […]

June 10, 2020

Do I Need Flood Insurance For My Business?

What most do not realize is that standard property insurance will not cover you in the case of a flood. And this goes for commercial properties as well. Neither a Commercial Package Policy (CPP) or a Business Owners Policy (BOP) will include flood insurance. This is by design, though. As a business owner, you need […]

May 27, 2020

The Importance Of Cyber Liability Insurance

If you are a business owner, then you need cyber liability insurance. The further we get into the 21st century, the larger technology and the internet get. As the internet grows, so does the amount of people who abuse it. Cyber liability insurance protect businesses after their data was stolen or transmitted, the work of […]

May 20, 2020

COVID-19 and Business Interruption Insurance

The COVID-19 pandemic has interrupted the business operations of hundreds of businesses across the Greater Houston area. Small and medium-sized businesses have lost money from being required to shut down and to prevent the spread of the virus. You may have thought about your business interruption insurance working to help sustain your business. Unfortunately, business […]

May 13, 2020

What are Living Benefits in Life Insurance?

Life insurance helps your loved ones cover expenses in the event of your passing. Life insurance covers funeral expenses, debt, and other end-of-life expenses. As you can see, life insurance activates once you have died. However, there are some policies that generate benefits while you are still alive called living benefits. Living benefits are “cash […]

May 8, 2020

The Pros and Cons of Annuities

In a blog from last month, we discussed what an annuity is and various types of annuities. In general, an annuity is a contract with an insurance company where you pay a lump sum or monthly payment, and receive regular disbursement in the future. There are several types of annuities you can choose from: fixed, […]

April 21, 2020

What is an Annuity?

Retirement is a portion of life many look forward to reaching. It is a time for peace and relaxation as you live out the rest of your life without having to work. There are many different ways of reaching a successful retirement. One such method is known as an annuity. An annuity is a contract […]

April 17, 2020

4 Flood Insurance Myths Debunked

The Greater Houston area calls for flood insurance more than many other regions in the United States. With frequent rainfall and the chance for tropical storms or hurricanes, residences should consider flood insurance. Flood insurance is beneficial because it helps replace damages done from water, unlike many other insurance policies. Unfortunately, there are many myths […]

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