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Types of Commercial Insurance

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If you operate a business within Granbury, TX, getting the correct type of commercial insurance will be a crucial part of helping your business succeed. Commercial policies help you protect your employees, your business’s property, and your customers. Deciding on the right type of coverage may unfortunately not be an easy task, an area that All-Tex Insurance can help with. Below, we discuss types of commercial insurance to consider purchasing.

Property Insurance

Property insurance protects your buildings and the contents within when covered perils arise and cause damage or losses. Examples of these hazards include fire, theft, or hail. When either of these happens, property insurance covers your costs of property repair and replacement costs.

General Liability

General liability protects you when your customers are injured at your workplace. It will help you cover the treatment costs and legal fees when you are sued for harm caused. In addition to this, general liability will also come in handy when you face claims related to advertising injury, including libel and copyright infringement lawsuits.

Commercial Auto Insurance

Commercial auto insurance will come in handy when you own vehicles registered in your business name. If you or your workers get into an accident while delivering products, commercial auto insurance will cover the costs of vehicle repairs and replacement.

Worker’s Compensation Insurance

If you have more than one employee in your business, worker’s compensation insurance will help you protect your labor force. When your employees get bodily harm during business hours, this policy enables you to pay for the rising consultation or treatment expenses.

Cyber Liability Insurance

Cyber liability insurance provides coverage when your business experiences data breaches. It will help you pay for costs such as client notification expenses, monitoring costs, and legal fees when your stakeholders sue you.

Professional Liability Insurance

Professional liability insurance protects you from errors and omissions. This policy will prove helpful when you offer services, with companies such as legal practices, accounting firms, and real estate practices often benefiting from its protection.

If you need any of the listed commercial policies to protect your Granbury, TX business, consider giving All-Tex Insurance a call today.

Three Interesting Facts About Home Insurance

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At All-Tex Insurance, we help Granbury, TX, residents take care of their insurance needs. And we can provide you with excellent home insurance that minimizes your financial damage. Read on to understand three essential and interesting facts about your policy. 

Fact 1: Home Maintenance Helps Minimize Claims 

While your insurance does not cover regular day-to-day maintenance, they may end up giving you some bonuses if you keep your home maintained. That’s because they know that you are taking care of your house and doing what you can to minimize any serious issue. 

Fact 2: Dogs May Cause Home Insurance Issues 

Home insurance companies may have a hard time providing policies to dog owners. Some might even exclude many large dogs, like an Akita, Boxer, Doberman Pinscher, or German Shepherd. Why? These dogs are big, often cause a lot of damage, and may not be suitable for a home that needs a lot of insurance. 

Fact 3: Sometimes, It Is Better Not to Make a Claim 

This fact may be hard for some people to accept. Why wouldn’t you want to make a claim on home damage? Too many claims in a short period may end up affecting your insurance rate. That’s why it is usually best to make one big claim for repairs and to cover the costs of more minor issues. Doing so can save you money on your premiums.

Understanding Your Policy Options 

If you think you need help with home insurance and want to make sure everything goes as smoothly as possible for you, it is wise to call us at All-Tex Insurance. We cover the Granbury, TX, area and can provide you with the high-quality coverage needed to keep your home safe from damage. We look forward to working with you!

What is Umbrella Insurance?

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Umbrella insurance is primarily concerned with liability. Sometimes, the liability section of standard home, auto, and commercial insurance is not enough to cover you in the face of excess liability if you are legally liable. All-Tex insurance serving the city of Granbury, TX is here to assist you to make sure that you have sufficient coverage in the event of a figurative downpour.

What is umbrella insurance exactly? Umbrella insurance, much like the name implies, is insurance that is designed to protect you against unforeseen excessive liability not covered by your traditional personal or commercial liability policies. Liability insurance is for personal injuries or property damage, for which you are legally responsible.

Almost all types of policies, including personal, commercial, and auto insurance policies, offer a certain amount of liability coverage, but it may not be enough and, therefore, it is worthwhile to consider additional umbrella insurance. If you had to imagine your insurance policies all standing side by side, then umbrella insurance would be placed above those to provide extra protection. The equivalent of an umbrella, in an unexpected cloud burst of rain, keeping you that little bit drier. You will not always use your umbrella insurance. It will only come into play when the limits of your standard policies have been exhausted.

There are variations to umbrella insurance. Some umbrella policies offer the additional financial protection of paying for defense in the event of a liability lawsuit. It is worthwhile reviewing your policy and asking your insurance agent if it is included.

Umbrella insurance is there to cover the gaps so don’t hesitate. If you believe that you have insufficient liability insurance for yourself or your business, then contact All-Tex Insurance serving Granbury, TX today and secure peace of mind.

Why basic auto insurance isn’t always the right choice

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In the state of Texas, you don’t actually need to have auto insurance; you do however have to prove that you could pay for any damage that you might cause in an accident where you are at fault. For the average person, the easiest way to prove that is to actually have insurance.  At All-Tex Insurance in Granbury, TX, we are locally owned and operated and work with multiple carriers to provide our customers with the most choices at the best prices. 

The basic amount of liability coverage you should have in Texas is 30/60/25. That is $30,000 for injuries sustained by the first injured person in an accident with a max of $60,000 for all injuries and $25,000 for damage to property. Why this might not be the right choice is that with the steep rise in medical costs, it doesn’t take long to blow through $60,000. If the cost of the injuries goes over that, you could be paying out of pocket which might prove to be a hardship. Why put your hard-earned assets at risk? 

While liability coverage protects others from you, what about your vehicle? If it is damaged in an accident where you are at fault, you will need to pay for the repairs or possibly the replacement of your vehicle. If you still owe on your vehicle, you are liable for that as well. If you have collision coverage, it will pay to have your vehicle repaired or replaced so that you can carry on normally. 

What if your vehicle is stolen or damaged by something that is beyond your control. Again, you would be responsible to repair or replace it. Not everyone can afford to do that.  When you count on your vehicle every day, you need to make sure you have more than basic auto insurance. 

Contact All-Tex Insurance in Granbury, TX when you are ready to discuss your auto insurance needs. 

Why A Strong Workers Compensation Plan Is An Important Part Of Commercial Insurance

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All-Tex Insurance offers coverage to the Granbury, TX community, as well as the surrounding areas. For over 15 years, we have helped our clients find the coverage they need to protect what’s most important. We strive to make life a little easier for you by making sure that you are covered regardless of what life throws your way.

Why Workers Compensation Is Important

The Texas economy thrives on the success of businesses. As one of over a million business owners in Texas, you have a valuable asset. Commercial insurance helps protect your Granbury, TX business and ensures that it will not be thrown off track if an obstacle arises. Your business is covered if your equipment or inventory is stolen. Your business is also covered if severe weather causes property damage.

Liability coverage protects you if a customer suffers an injury on your property or claims that your product caused them harm. One of the most significant parts of commercial insurance is worker’s compensation. Worker’s compensation protects your employees if they are injured in the workplace.

Worker’s compensation protects your business against possible legal action as a result of a workplace accident. This helps alleviate stress regarding the future of your business. Worker’s compensation covers your employees’ rehabilitation, which helps improve morale. You help show your employees that they are a valuable part of the company. You also help improve the reputation of your company because you are showing the industry that you are serious about taking care of your employees. This can help your business attract top talent.

All-Tex Insurance Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.  

Using Umbrella Insurance With Other Policies

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When you have home and auto insurance policies, some coverage is lacking. That’s why so many people get an umbrella policy to work with those two policies. If you are interested in getting an umbrella insurance policy, contact us at All-Tex Insurance in Granbury, TX to find out more. 

Adding to Your Policies

With your home and auto policies in place, several types of coverage are included in both of these policies. One of those coverage types is liability coverage. The liability coverage in these two policies covers you if there is an accident that is your fault and there are injuries or property damage that results from it. However, the amount of this liability coverage is fairly low with both of these policies. To add to that liability coverage, there is umbrella insurance. It adds to the liability of both policies so that a serious accident can be paid for without a lawsuit or you having your finances wrecked. It is much less expensive to do this than increasing the amount of coverage you have in your home and auto policies.

How It Works

When there is an accident either at home or in your vehicle, the home or auto insurance will pay for the bills up until it reaches its maximum amount. After that, your umbrella policy kicks in. It has a much higher maximum, so you are far less likely to have to come up with the overage on your own. It protects you by paying that overage up to its own maximum. 

Get Your Umbrella Coverage

If you want better liability coverage for your home and auto policies, you need an umbrella policy. Call us at All-Tex Insurance in Granbury, TX to talk to an agent about your liability coverage needs.

Spring Auto Insurance Facts to Remember While Researching Future Coverage

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All-Tex Insurance provides coverage to the Granbury, TX community. We strive to make sure that our clients find the policies they need to be prepared for whatever challenges life throws their way. We assess each of our client’s personal situations so that we can offer them a custom policy. We are confident that we can help you regardless of your individual needs.  

Auto Insurance Facts To Remember in Spring

Auto insurance covers you and your vehicle as you navigate the ever-changing road conditions daily. Driving is unpredictable, as accidents can happen at any time. Auto insurance ensures that you’ll be prepared if something unexpected happens. The policy covers your vehicle if it suffers damage due to a collision. Liability coverage protects you if you are ruled to be at fault for the collision. As you are researching coverage, think about the seasonal adjustments that you’ll have to make, such as during the Fall.

Potential Theft

Research shows that auto theft crimes rise during the Fall. Comprehensive coverage protects you if you are a victim of auto theft.

Potential Animal Collisions

As you drive through Granbury, TX in the Spring, you may see deer and other animals. It’s important to stay alert, as hitting one of those animals can cause significant damage to your vehicle.

Rear-End Collisions

Rear-end collisions are common during the Fall, especially at places like the mall. If you’re heading to a popular mall to do some shopping, make sure that you avoid parking in tight spaces. That will reduce the chances of you being involved in a collision.

All-Tex Insurance Will Help You Find Coverage

Visit our website to learn more information about auto insurance.

Understanding Common Commercial Insurance Risks

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Some entrepreneurs in Granbury, TX have avoided commercial insurance policies for many years to cut operational expenses. However, as All-Tex Insurance has realized that those who have avoided such policies do not fully understand the commercial risks they face in their business operations. Here are some of the possible commercial insurance risks that should compel you to have business insurance for your company. 

Employee Injuries

Every business has workers who play a central role in helping the company to handle its operations. Multiple risks face such employees as they work, and any injury could have devastating impacts on the business. Without commercial insurance to cover employee injuries, the company will have to foot the medical bills and associated living expenses. 

Loss of Income

Many uncertainties and risks can easily expose a company to significant loss of income. Sometimes such problems as power outages can lead to extended downtimes that expose a company to multiple losses for weeks. Commercial insurance can help replace all the lost income during business downtime, which means a company will not suffer losses in its business operations. 

Advertisement Lawsuits

Companies advertising their products and services are vulnerable to possible lawsuits due to breach of trademarks, copyright issues, and sometimes defamation claims. These issues are likely to happen at any given time, which means that a company will be losing huge sums of money if there is no advertising liability coverage. Commercial insurance is essential in covering for advertisement lawsuits, thereby helping a company avoid huge financial losses. 

As a prominent entrepreneur in Granbury, TX, there are many commercial risks that your business faces. Having commercial insurance coverage from All-Tex Insurance protects you from such risks and ensures continuity in your entrepreneurship. Contact our office to get started with a quote.

What Are Home Insurance Riders?

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You already know that you need home insurance to protect yourself financially. But did you know that standard coverage might not be enough? For those with unique situations, there is an option to extend your policy to meet your needs. Called a rider, it is a good way to tailor your coverage appropriately.

Not sure what this means? Thankfully, our team at All-Tex Insurance has you covered. Here’s what you need to know about home insurance riders.

What is a Rider on a Homeowners Insurance Policy?

A home insurance rider is essentially an amendment to your basic property policy. It allows you to extend your coverage for a specific reason, such as owning items that are more expensive than usual or having certain circumstances that go beyond the typical home in your area.

For example, if you have a large jewelry collection or own several antique rifles, you might need riders to ensure they’re covered in the event of a loss. Those with electronics, computers, or other items with a higher than normal value should have a scheduled personal property rider on their home policy.

Other situations where riders are useful include coverage for identity theft, building code upgrades after a total loss, or even business property coverage if you work from home. Each carrier offers different riders, so check with your agent to see which ones are available for your policy.

Why You Need to Talk to Your Agent About Getting a Rider

Your insurance needs are unique. By speaking directly to your agent, you can find out which riders apply to your specific situation. From there, they’ll be able to tell you what ones are worth adding and which ones you need to skip.

Are you looking for quality home insurance coverage in Granbury, TX? Please contact our All-Tex Insurance team to receive a no-obligation quote.

Who should buy umbrella insurance

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When it comes to umbrella insurance, it is not insurance to cover your umbrella. It is insurance to protect your assets. What exactly does that mean? It means when you have assets; you are at risk of being sued. It is just that simple. Being involved in legal action can cost a bundle of money. If you don’t have a lot of ready money, you could be forced to sell your assets or even have your wages assigned. At All-Tex Insurance in Granbury, TX, we have 20 years of experience helping customers find perfect insurance products. 

Umbrella insurance is an additional layer of protection that goes into effect when your primary policy liability has reached its maximum. To purchase umbrella insurance, you must already have a policy with liability converge. You don’t need to be a homeowner. Renter’s insurance, auto insurance, boat, condo, and motorcycle insurance all have liability coverage. If you have commercial insurance, chances are you have liability coverage as well. 

With your primary policy, you likely won’t have a very high level of liability protection. Every state has its own required minimum limit on auto liability. Most are $50,000 or less. That won’t go very far if you are in a serious accident and are at fault. If you haven’t checked it recently, you should check what you have for a limit on your liability coverage. Most umbrella policies start at one million dollars and go up from there. With legal cost and a judgment against you, this won’t seem like an outrageous insurance amount to carry at a very affordable rate. Basically, if you have any assets, you should buy umbrella insurance. 

If you are ready to discuss umbrella insurance, All-Tex Insurance in Granbury, TX is here to help out.  Contact us and let us give you a quote.