Commercial insurance is something every business should consider. It is not just one type of coverage: several lines can be combined into a policy tailored to your needs. Talking to an insurance agent can help you to access your risk level and determine the right kind of commercial insurance for your particular business. .At Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX, we provide the finest customer service and as independent agents, we offer some top carriers in the business.
When it comes to commercial insurance, the only requirement by the state of Texas is for commercial auto insurance. Commercial auto insurance is a necessity for any vehicles owned by your business. The required coverage is 30/60/25. What that means is $30,000 for injuries for each person in an accident with up to $60,000 for an individual accident. $25,000 coverage for damage to property. Many personal auto insurance policies will not pay for an accident that happens while on business use.
Texas does not require employers to have workers’ compensation coverage but that doesn’t mean that it is a good idea not to have it. Workers’ Compensation is good for employees and employers, and it is worth considering for every business.
Two other types of commercial insurance are also essential to the health of your business even though they are not required by the state of Texas, Commercial property and liability insurance.
- Commercial property insurance protects your business location from damage from a covered peril. It covers more than the building it covers the things you need to do business like machinery, equipment, electronics, and inventory.
- Commercial liability covers you from legal action against your business from customers, clients, and even employees. It also covers legal expenses to defend your business.
Contact Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX for all your commercial insurance needs.
When it comes to choosing the right auto insurance policy, many people get confused and do not know how to make the right choice. However, when you have the right information, it is easier than you think. The best and most valuable source of the information you need is an insurance agent. Main Street Independent Insurance Agencies Inc. serving Ft. Worth, TX prepared a list of questions you should ask an insurance agent when you are shopping for auto insurance:
What Is Covered If I Get Involved in a Car Accident and My Vehicle Is Damaged?
One of the most common misconceptions is that car insurance automatically covers the repair and replacement of a car. However, you may not have these benefits without the right coverage. If you want the repair and replacement of your car to be covered, you need collision coverage or comprehensive coverage. Make sure you ask an insurance agent about it before buying a certain policy.
Will My Policy Cover Other Drivers of My Car?
Usually, your auto insurance will cover you while you are driving your own car. However, there may be other situations. For example, your family member may drive a car too, or your friend will borrow your vehicle. Will they be covered if they are involved in an accident while driving your car? It is another question you should always ask an insurance representative.
What Factors Are Having Impact on the Cost of Insurance?
If you feel your premiums are too high, you should ask an insurance agent to give you specific reasons and explain what is the reasons for the price you have to pay.
There are many other questions to ask and you should not hesitate to ask them. The more questions you ask, the more information you get that will help you make the right choice and purchase the insurance policy you really need. If you have any questions or you want to learn more about the insurance options available, feel free to contact Main Street Independent Insurance Agencies Inc. serving Ft. Worth, TX – our insurance agents will be glad to answer all your questions.
Suppose you operate your business in Ft. Worth, TX. In that case, you need to have the necessary commercial insurance policies to cover your entity for unseen occurrences that are likely to have adverse impacts on your organization. Main Street Independent Insurance Agencies Inc. helps you to understand the various types of commercial insurance policies that are available for consideration so that you can safeguard your properties, business, and even your workers.
Your business’s property is important, and it provides the foundation that your organization uses to achieve growth and to offer services. Without properties, it is evident that your company will collapse, and it could be hard to start operations once again. The property insurance policy covers all the assets that your organization owns. This policy generally protects against theft, damages, and fire.
General Liability Insurance
As a business serving hundreds or thousands of customers, there is a chance that some of your customers will be affected by the products or services on offer. Injured customers can choose to sue for compensation for personal injuries and associated damages. In this case, you need to have liability insurance to cover such eventualities. Legal expenses, property damages, and personal injury compensation are areas that liability insurance policy will cover.
Worker’s Compensation Insurance
Worker’s compensation insurance is not only a legal requirement in Texas but also across the country. This insurance policy is specifically designed to handle injuries that employees are likely to get, which are work-related. However, all employees covered by the worker’s compensation insurance are required to give up on the rights to sue the company in the case of an injury that happened while performing their work duties.
These are not the only commercial insurance policies that your business needs. There are other specialized commercial insurance policies that are necessary for your enterprise. If you want to know more about commercial insurance policies, contact us at Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX.
With winter fast approaching, now is the time to start preparing your house for the winter where the elements like snow, sleet, and wind can do major damage. Continue reading to learn how to prepare your house for the colder weather in next to no time.
1. Insulate, Insulate, Insulate!
Drafts emitting from windows can cause your energy bill to spike exponentially and leave you feeling far chillier than normal. Quickly and affordably fix the problem by applying v-seal weather stripping along the sides of the window that allow them to still open, but keeps the cold away.
2. Remove Tree Branches
Homes that have trees with limbs hanging near your home are more likely to suffer roof damage during a windstorm and may be susceptible to leaks from water cascading off low hanging branches.
3. Clean the Gutters
Debris build up in your gutters can lead to costly ice dams that contribute to your home’s foundation is weakened. Once the fall leaves have fallen, either hire someone to do the job or use a ladder to remove leaves, twigs, and other debris that accumulates in the gutters.
4. Check the Roof
Winter is not the time to have a leaky roof and doing an inspection will help spot issues. Luckily for those that don’t like heights, you should be able to inspect your roof safely from the ground with binoculars.
5. Fireplace Inspection
It is recommended that your fireplace be professionally inspected every year so be sure to call your favorite fireplace inspector early to avoid missing out on their services.
When it comes to insuring your home, look no further than the friendly and professional team at Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX. Give us a call today to learn about our insurance products.
Fort Worth, TX is a wonderful place to call home. It has a great location and fantastic amenities. You have access to highways that can take you all over the state. Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX has been providing superior service to residents of the greater Fort Worth area for 11 years. We make sure you have coverage today as well as in the future.
In the state of Texas liability insurance is required. The requirement is 30/60/25. What this means is
- $30,000 in liability coverage for injuries per person
- $60,000 total liability per accident
- $25,000 in damage to property
This insurance is to protect other drivers and their property from you in the event you cause or are responsible for an accident. It does nothing for your vehicle. Chances are in an accident that involves damage to another vehicle, your vehicle will also sustain some damage. If you have a car loan or if you are leasing your vehicle, your lessor or lender is going to want to make sure their vehicle is protected. They will require that you carry additional insurance for that purpose.
Collision insurance cover damage to your vehicle. It has a deductible you will have to pay out of pocket but then the policy will pay to have your vehicle repaired or in the event, your vehicle is totaled, provide money allowing you to buy another car. Comprehensive is another type of coverage that protects your vehicle. Many things that damage your vehicle are things you can’t control. If your car is stolen or vandalized, crushed by a tree limb, or if you hit a deer these will be covered with comprehensive coverage.
Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX can provide the auto insurance information you are looking for. Give us a call or stop by for a free quote.
In the state of Texas, there are a lot of ways that someone could grow and develop a business. Those that live in the Ft. Worth, TX area will find that the strong local economy and support for small businesses provide plenty of opportunities for success. If you are going to start a business here, it is also important that you get the right insurance. There are several reasons why you should get a commercial insurance policy to protect your Texas business.
Insurance Provides Valuable Coverage
The main reason that you should invest in a commercial insurance policy for your company is that it will give you very valuable coverage that could help to keep your company afloat. When you are looking to protect your company, the insurance will give you protection for your business assets and can offset liability risk. This could end up being helpful as it could keep your company solvent if you ever lose an asset due to damage or are sued for liability.
Insurance is a Requirement
You will also want to get a commercial insurance policy for your small business because it is a requirement for most businesses. A small business that takes out a loan, leases a building, or even raises capital will have commercial insurance policy requirements. When you get a full policy, it will ensure that you remain in compliance with these obligations.
Choosing a commercial insurance policy in the Ft. Worth, TX area is a big decision. As you are looking for coverage, you should call the Main Street Independent Insurance Agencies Inc. When you work with Main Street Independent Insurance Agencies Inc. you are going to get guidance that can help you to understand your needs and options, which will help you choose the right policy for your situation.
The Ft. Worth, TX area is a popular community for anyone to reside in. There are a lot of great places for you to visit when you are in the area and good professional opportunities. This can make Fort Worth a good place to own a home. If you are going to purchase real estate in this area of Texas, it is important that you get home insurance. There are several situations when this coverage is needed for you.
When You Have a Loan
The majority of people that end up buying a home in the Fort Worth area will need to take out a mortgage. If you do take out a mortgage to finance your purchase, you need to make sure that you understand the insurance rules. Most of the time, you will need to have home insurance and even escrow your payments with the lender along with your monthly loan payment.
When You Live in an Association
There are many communities today that offer amenities to property owners. Along with these amenities, there are home associations set up to manage and run the community. These associations will almost always have a rule book that states that you will need to have home insurance at all times. This will help to protect you and others in the community.
There are a lot of situations when someone in the Ft. Worth, TX area will need to have home insurance. If you are going to get this insurance, you should call the team at Main Street Independent Insurance Agencies Inc. The team at Main Street Independent Insurance Agencies Inc. can help you understand all of your options. They will then help you to build a policy that offers protection and ensures your needs are met.
Being the parent of a teen has many challenges. You may think you are finally getting a grip on parenting your teen when you realize it is now time to add them to your insurance. This can be a stressful time for most parents. At Main Street Independent Insurance Agencies Inc serving Ft. Worth, TX, we want to try to relieve some of that stress by helping to educate you on this important insurance topic.
When Should I Add My Teen to My Insurance?
Each state will have different laws in place regarding when a teen should be added to the insurance policy. If you have a teen in your home who is permitted by law to drive, you need to contact an insurance rep to discuss the best timing for adding your teen to your policy.
How Will My Insurance Change When I Add My Teen?
Everyone’s insurance policy is unique according to their specific driving record and history, but you can expect your insurance rates to go up some when you add a teen driver. Teens are a bigger risk factor for accidents and traffic violations because they do not have that much experience. It is helpful to discuss with your teen what your expectations are and to inform them that their driving behavior can affect your insurance. Set in place clear consequences in the event that poor driving habits become a problem.
How Can I Keep Costs Low?
Be sure that your teen understands what you expect of them concerning their driving behaviors and make sure they understand how their behavior will affect the insurance policy. Many insurance policies will offer a good grade discount for students as well.
If you would like to learn more about adding your teen to your auto insurance, please contact us at Main Street Independent Insurance Agencies Inc, serving Ft. Worth, TX.
Business interruption insurance reimburses you for lost income in case of a disaster. You can find out if your commercial insurance currently has sufficient business interruption coverage by contacting Main Street Independent Insurance Agencies Inc in Ft. Worth, TX. We can review your account and help you beef up your coverage if needed.
What Is Business Interruption Insurance?
This coverage prevents financial loss if you have to close up shop due to a disaster. Examples include a natural disaster or fire. To get business interruption protection, you must already have commercial insurance. When you add on this service, your insurance company prepares the appropriate rider.
What You Need to Know About Business Interruption Policies
This insurance replaces income you lose when business operations cease due to damage or physical loss. The terms and conditions are outlined in your policy and your agent can help you better understand the coverage.
For insured events, your insurance pays for the cost of operating the business, temporary relocation, taxes, loan payments and payroll expenses. Again, every policy is different, so it’s important to know how your coverage works.
Most business interruption insurance won’t cover closures due to an epidemic or pandemic.
How Long Does Business Interruption Insurance Last?
The written policy dictates the terms of coverage, including how long the policy lasts. Standard policies last 30 days but insurers may allow you to extend coverage as far as 360 days. This covers the day the insurance begins and often lasts until the business reopens or through the end of the coverage limit. Some policies have a waiting period to exclude short business interruptions that pass within two to three days.
Contact Main Street Independent Insurance Agencies Inc in Ft. Worth, TX to set up an appointment for a few commercial insurance quote that includes business interruption protection.
Having a home can be challenging, especially when it comes to protecting it from unforeseen dangers. Of course, there are many things a homeowner can do to minimize risks to the home, but ultimately dangers associated with many threats, such as the weather, make having adequate home insurance in place necessary to protect that investment.
Most home insurance policies cover all types of storm damages including damage from debris and other potential side effects directly related to the storm. However, flood damage isn’t covered by home insurance and the homeowner will need to purchase a separate home insurance policy to have that protection in place. The best way to ensure the home is completely protected by home insurance is to work with an insurance agent. They can help educate the homeowner about what the policy covers and make any recommendations to help ensure the coverage fits the current needs.
Get Help Finding Home Insurance
Anyone in Ft. Worth, TX who is interested in purchasing home insurance they can rely on should consult with Main Street Independent Insurance Agencies Inc. to find out more about the different types of home insurance available in their area. The agents can work closely with potential clients to assess their needs and then offer common sense insurance products to give them the protection they need year-round. They can also help their clients submit documentation to insurance providers and assist with paperwork related to insurance claims.
Anyone in the Ft. Worth, TX area who is in the market for reliable home insurance should call or stop by Main Street Independent Insurance Agencies Inc. today to find out more or to schedule a consultation with an agent.