Benefits of Having Commercial Insurance

As the name suggests, commercial or business insurance is designed to protect businesses, including business owners and employees they hire. Since every business is different, there is no one-size-fits-all commercial insurance policy. Whether you run a big company with a hundred employees, you are a freelancer who makes some extra cash, you can benefit from commercial insurance.

Benefits of Commercial Insurance

Here is a list of the key advantages of commercial insurance:

  • It helps you win more clients. The bigger a client, the more likely you will have to sign a contract with them. Contracts often require carrying a special type of commercial insurance – errors and omissions insurance. This type of insurance covers professional mistakes that are made by a business owner or by one of the employees. 
  • Handles high legal bills. Business owners often become targets for lawsuits. For example, if a visitor gets injured on your property or gets hurt by a product you sell, you can be sued. Most commercial insurance policies provide lawsuit protection and cover your legal fees. 
  • It helps you recover from damages to commercial property. One of the main purposes of business insurance is to pay for repairs and replacement of business property and equipment after windstorms. A standard commercial insurance policy also pays for losses related to theft, vandalism, and fire. 

Insurance Solutions of Texas in Sugar Land, TX – Quality Insurance Policy to Businesses and Individuals 

If you are a business owner in Sugar Land, TX or any other surrounding area in Texas and you are shopping for commercial insurance, Insurance Solutions of Texas is ready to help you with every step of your insurance process. Our experienced and knowledgeable staff is always ready to answer your questions and help you find a policy you need.

Things home insurance won’t cover

Sugar Land, TX is a great place to buy a home. It is one of the fastest-growing cities in Texas and lots of new development there means finding a home is easier than in some other cities. Your home is a major investment no matter where you buy it and making sure it is protected with the right home insurance is important. At Insurance Solutions of Texas, we have been in business since 1993 and we have the knowledge and experience to make sure you get the right insurance for your particular needs. 

Floods

Floods are something Texans are all too familiar with. When a storm or hurricane hits the Gulf Coast, waters rise. Floodwaters cause massive amounts of damage. If you live in a flood zone and have a mortgage, your lender will require you have flood insurance. Your home insurance will not cover flood damage caused by surface water. Busted pipes, yes, rising waters, no. 

Sewer back up

Nothing is more disgusting to think about than a sewer backing up into your home. It is disturbing to understand your home insurance will not pay for any damage that is caused by the sewer backup in your home. 

Land movement

Land movement includes a few different things. It includes earthquakes, mudslides, and sinkholes. All of them are scary to think about and not covered by traditional home insurance. 

Owner neglect

When you live in a warm climate, there are certain things you as an owner must do to protect your home. You must treat it for termites and other pests. You must make sure mold doesn’t grow in your home and you must keep your home in good repair. If you don’t, your home insurance will not foot the bill. 

When you are ready to update your home insurance, give Insurance Solutions of Texas in Sugar Land, TX a call for a no-obligation quote. 

Important Flood Safety Tips

Sugar Land, TX is no stranger to floods. Whether you’re new to the area or a long-time resident, Insurance Solutions of Texas wants to make sure you’re prepared the next time the waters run high. Check out our flood safety tips below!

Stay Up To Date

During a storm where flooding is likely, listen to the television or radio for current information. Know the area you’re in. Streams, canyons, and drainage canals can flood rapidly. These areas are especially prone to flash flooding, which can occur without warning.

Preparing Evacuation

Keep an emergency bag prepared with food, important documents such as identification and insurance papers, food, and a flashlight. If you have time, secure your home and move essential items to an upper floor if possible. You may be instructed to turn off utilities at a main switch or valve. If you can, disconnect electrical equipment but do not touch them if you are wet or standing in water.

During An Evacuation

When leaving your home, do not walk through water that is moving. Even just half a foot of moving water can cause you to fall. While driving, flooded areas should be avoided. If you encounter rising floodwaters, abandon the car and move safely to higher ground if possible.

After A Flood

Avoid contact with floodwater and do not swim through it due to the risk of dangerous debris and chemicals in the water. Avoid downed power lines. Do not return home or enter a disaster area until officials declare it is safe to do so. 

Sugar Land, TX is all too familiar with the devastating effects of flooding. Let Insurance Solutions of Texas take care of your flood insurance needs before it’s too late. Contact us today.

How to Find the Most Beneficial Auto Insurance Policy

Auto liability coverage is required in the state of Texas. But what other types of coverage do you need? Remember that liability (as its name suggests), only covers damages that others incur as a result of an auto accident that is deemed your fault. 

Other Types of Insurance You May Want

Even though liability is the only type of auto insurance that is required for your vehicle in Texas, you may want to look into other types of insurance such as:

  • Collision insurance
  • Comprehensive insurance
  • Uninsured
  • Underinsured
  • Medical Payments

Collision insurance covers damages to your own vehicle, whether it was your fault or not. If you incur damage from an accident that was the fault of an uninsured or underinsured driver, you will still be able to replace or repair your loss with your insurance policy if you deal with a company like Insurance Solutions of Texas in Sugar Land, TX. The medical payments option helps cover hospital or medical costs due to an accident and is optional coverage. 

What’s the Difference Between Uninsured and Underinsured?

Uninsured is insurance you carry that covers loss when the other driver has no insurance at all. Underinsured covers loss or damage due to not having enough insurance to cover the loss. 

Which is Right for Me?

Insurance is a personal thing. Other than the obvious required and state-mandated coverage (liability in Texas), how much of the other types of insurance you carry is up to you. You should consider the level of risk you take based on the amount of driving you do, how much you take other people in your vehicle with you, your likelihood of accident based on statistics such as age and other factors, and how much insurance you can afford.

Speak to your Sugar Land, TX insurance expert of Insurance Solutions of Texas to learn more and know that, when the unexpected happens, you’re covered!

Why Texas Business Owners Need A Strong Workers Compensation Plan

Insurance Solutions of Texas offers coverage to the Sugar Land, TX community, as well as the surrounding areas. For over 20 years, we have helped our clients in the contracting and real estate industries find the coverage they need to be successful. We help simplify the process of searching for insurance. We are confident that we can help you find the right policy to protect your business.

Why Texas Business Owners Need A Strong Workers Compensation Plan

As a Sugar Land, TX business owner, you have to manage a lot of obligations on a regular basis. You have to provide quality service to your customers while also acting in the best interests of your business. Commercial insurance helps make things a little less stressful. Commercial insurance covers your headquarters, equipment, and inventory if they are damaged. You are also covered if your business is impacted by a fire or a natural disaster such as a tornado. Liability coverage protects you if you are held responsible for causing damage or bodily injuries. Commercial insurance also helps you take care of your employees.

Having great employees is a key to maintaining a successful business. Worker’s compensation allows you to show appreciation for your employees. If one of your employees is injured in the workplace, worker’s compensation will cover their injuries and rehabilitation. This allows your employees to focus on getting healthy. If your employee is unable to work, they are still covered through the policy. A strong workers’ compensation policy can help you attract the top talent in the industry. It also helps your business because employee morale should stay high. Everyone knows that they are a valued part of the company.

Insurance Solutions Of Texas Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.  

Home Insurance for Peace of Mind

It’s not a question of if, but when. Home insurance is something that every homeowner in Sugar Land, TX should have for peace of mind. But what are the benefits? Insurance Solutions of Texas can give you a few reasons why home insurance is so important.

What Is Home Insurance?

Home insurance is a policy that covers the full replacement cost of your home, less any deductible. You can also get additional coverage for contents inside the house and other structures on your property, like garages or decks. Homeowners usually pay their premiums monthly to protect themselves from unpredictable scenarios such as fire, theft, vandalism, and severe weather events.

Why Have Home Insurance?

It’s not a question of if, but when something unexpected will happen at your place, so it’s important to be prepared with an emergency fund if there are damages when you’re unable to make repairs; this way, you won’t lose everything— including peace of mind!

Home insurance may be required when you have a mortgage. If you don’t have a mortgage, it may be worth looking into to see if the peace of mind is worth the cost.

Home insurance will cover both your building and personal property according to what’s covered by your policy. Your home might need repairs after an accident or natural disaster like flooding; this type of coverage pays for damages up to certain limitations set in the agreement— which could include structural damage and replacement items inside the house such as furniture, appliances, clothing, and more!

If any damages happen—whether they’re intentional (such as vandalism) or accidental — these too can be taken care of because most policies also provide liability protection on anything.

Are You Looking for Home Insurance?

Home insurance will not stop disasters from happening. However, it will give you the peace of mind associated with knowing that you’re financially safe.

Are you in Sugar Land, TX and looking for home insurance? Contact Insurance Solutions of Texas for more information.

What Are Your Flood Insurance Options in Texas?

If your home is located in a floodplain zone, your mortgage lender will require you to have flood insurance. Even if your home is not located in a designated flood zone, it is still a good idea to have a policy in place since floods can happen anywhere. The flood insurance agents at Insurance Solutions of Texas in Sugar Land, TX, understand the importance of having a flood insurance policy in place to be on the safe side.

The state of Texas is prone to suffering floods, especially if your house is located in a coastal area or in a wide band area that is often referred to as Flash Flood Alley.  

Flood insurance Coverage

A flood insurance policy will cover any damages to your home, including the structure of your house and any outbuildings on the property, due to a flood up to the amount of $250,000. You will need to obtain a separate policy that will cover your personal belongings in the event of a flood, and that coverage can be any amount up to $100,000. Keep in mind, though, that there is a 30-day waiting period before your flood insurance coverage is active when it comes to most flood insurance policies. In other words, do not wait until a storm is on the horizon before you try to obtain a policy.

Call For An Appointment Today

To get your policy started right away, you will want to contact a flood insurance agent you can trust. The flood insurance agents at Insurance Solutions of Texas in Sugar Land, TX can assist you in obtaining your flood insurance policy today so call for an appointment.

Auto Insurance Requirements and Options in Texas

In the state of Texas, all drivers must have at least a liability insurance policy that will cover injuries and property damage sustained by other people in a crash that you caused. The auto insurance agents at Insurance Solutions of Texas in Sugar Land, TX can explain the additional liability auto insurance coverage that you can obtain.

Underinsured/Uninsured Auto Insurance Coverage

You can also get uninsured and underinsured motorist coverage. If you are hit by someone in an accident who does not have insurance or does not have enough to pay for damages, your policy will pick up the difference.

Comprehensive Insurance

Comprehensive insurance will pay for your vehicle if damaged or destroyed in an unforeseen circumstance, such as a fire, vandalism incident, or natural disaster. It will also pay to replace your vehicle if it is stolen.

Collision Insurance

Collision insurance will pay for damages to your vehicle if you collide with another auto or object.

Medical Payment Insurance Coverage

Medical payment insurance will pay medical bills for you and your passengers and will pay your medical bills if you’re injured while riding in someone else’s vehicle.  

Other Types of Auto Insurance Coverage

There are a few other auto insurance coverage types that you can opt to add to your policy, including towing and labor coverage and personal injury protection coverage, which is similar to the medical payment coverage. Still, it also pays for lost wages and even some non-medical costs.

Call For a Quote

To obtain the types of coverage you need and to provide you with the security you deserve, contact the experienced and trusted auto insurance agents at Insurance Solutions of Texas in Sugar Land, TX.

Commercial Insurance Add Ons To Consider

With all of the time, effort, and money you’ve put into your business, it is vital for you to do whatever you can to protect your company. The best way to do this is with the right insurance coverage. Commercial insurance is something you likely already have, at least in some form, but there are probably ways your business is currently exposed, leaving you and your employees at risk. To help, Insurance Solutions of Texas has several commercial insurance add ons for you to consider. So, if your business is in Sugar Land, TX, here are a few coverage options to consider. 

Property Insurance

You don’t need to own the property to need this kind of commercial insurance. Property insurance will protect the equipment you have within the building, even if it is a rental. 

Auto Insurance

Do you drive for your business? Maybe you have employees that do. Well, you will need commercial auto insurance for this. Traditional auto insurance will not protect the vehicle in the event of an accident. So, make sure you have the right coverage for all of your vehicles by protecting them with commercial auto insurance. 

Worker’s Compensation Insurance

If an employee is injured while performing work tasks, they will need to be taken care of. Paying for these kinds of injuries out of pocket is expensive, and if you try to avoid doing this, the employee may attempt to bring out a lawsuit. Protect you and your employee with worker’s compensation. 

Commercial Insurance For Your Business

Having commercial insurance built specifically for you is of critical importance to your company’s success and longevity. You don’t want to leave yourself exposed. So, if you currently run a business in or around Belaire or Sugar Land, TX, now is the time to contact the team at Insurance Solutions of Texas.

 

What You Need To Know About Home Insurance

Home insurance is designed to protect one of your largest assets, and you want to be sure you’ve got the right policy for your needs. If you’re in or around the Bellaire or  Sugar Land, TX area, Insurance Solutions of Texas can help you find the policy that’s right for your needs. You don’t have to settle for a mediocre policy that you aren’t comfortable with when there are opportunities for you to get the coverage that’s truly right for you. Not all policies work for all people, so finding what’s right for your home and family is the first step.

That step is easier to take when you have knowledgeable agents on your side. You can ask all the questions you have about home coverage and get the answers that will help you make an informed decision. The goal of insurance is protection and peace of mind, but the way to get those things is to have the information you need when looking at different policies. With agents that are committed to helping you find the right coverage for your specific situation, you can feel good about finding a policy that meets your requirements and protects the home you love and care for.

When you’re looking for home insurance in Sugar Land, TX, Insurance Solutions of Texas can help you find it. Reach out to our knowledgeable agents today, and ask them all the questions you have about a home policy that will fit your needs. Then you can enjoy your home even more and do all the things you want. The local area has so much to offer, and it’s more fun to explore those things when you know your house is protected properly. We want to help you with that so you can fully appreciate all the area provides.