Entries by Tosten1980

Your Insurance Coverages May Need Some Spring Cleaning

Are you busy with closet cleanouts and dusting remote corners of your house?  Spring has a way of motivating us to get busy and start afresh. And as you’re tackling your spring cleaning list, don’t forget to add checking on your insurance policies to the task. After all, they may need a bit of dusting […]

Is an Independent Contractor Covered by Workers’ Comp?

Independent contractors are not eligible for workers’ compensation coverage; employers are not required by state law to purchase coverage for independent contractors. Whether or not a worker is an employee is not controlled by what name the employer uses for the worker, but by the circumstances surrounding the employee’s work. Independent contractors provide a service, usually with a […]

Boat Insurance Gives You Peace of Mind to Have More Fun

If you happen to be a proud owner of one of the 580,000 boats registered in Texas*, you’re probably getting her ship-shape for some summer fun, fishing and relaxation on your favorite lake.  Since Texas has more square miles of inland water than any other state, you’ve got plenty of choices.* Small boats with only […]

Understanding Commercial Property Rates and Fire Risk

If you’re in business, you probably understand what insurance underwriting means. The process of underwriting determines how likely your business is to file a claim. Simply put, the greater the likelihood of a claim, the higher your premium will be. If an insurance company determines that your business is at a high risk for a […]

Do I Need a Personal Umbrella Insurance Policy?

While a personal umbrella insurance policy may seem unnecessary, there are good reasons to have one.  A personal umbrella policy pays for losses after you have exhausted your primary insurance coverage.  It can cover your home, auto, motorcycle, boat, RV and more. Your independent insurance agent will be able to advise you on whether you need it […]

Get Commercial Auto Insurance that Does More for Your Money

Whether you’re just getting started with your business and have only one delivery van or you have a fleet of vehicles, you need the right commercial auto insurance that meets your specific needs. There are many things to consider when purchasing business auto insurance, not only the number of vehicles you use for your company, but what […]

Holiday Scenarios That Can Affect Your Insurance

It’s the holiday season, and you have a lot on your mind. Trimming the tree, buying and wrapping the gifts, baking the goodies. Be sure your insurance is up to date so you have one less thing to be concerned about! Stolen holiday packages During the holiday season, package delivery is a common phenomenon. If […]

Why Choose an Independent Insurance Agent?

There’s no way for us to know what challenges may be ahead, which makes being prepared all the more important. Insurance is one of those critical things we all need, but making the decision about which insurance company to do business with can be confusing.  While some people don’t really think too much about who […]