What is Hired Automobile Coverage?
Hired Auto and Non-Owned Automobile Coverage Hired Auto and Non-Owned Auto coverages are usually added as an endorsement to a commercial auto policy or sometimes as to an endorsements to …
Independent Contractors
(Copied with permission from IIAT website.) Prior to passage of the 1991 Workers’ Compensation Act, the status of independent contractors was subject to considerable debate and confusion. The previous statute …
Do I need Professional Liability Insurance?
Most people realize the importance of having a Business Owners policy whether they operate from their home or otherwise, but few think that they might also have a professional exposure. …
How much insurance do I need on my home?
Replacement cost vs appraised value. During construction of a single-family house, the home builder will carry insurance for builders’ risk and general liability. Historically, most homeowners don’t insure their properties …
Coinsurance – What Is it?
Several reoccurring questions we hear are: Why do I have to carry so much insurance on my property? I can’t sell it for that much, why do I need to …
Does Texas law provide immunity to charitable organizations?
Charitable Organization Immunity – Liability and your Non-Profit Immunity In an effort to promote more volunteerism, The Texas legislature passed the Charitable Immunity and Liability Act in 1987 which primarily …
Should I Put Family Autos on the Business Policy?
Scenario: I am the majority owner of my business. My accountant has suggested it is a good idea tax-wise for the business to own all of my vehicles – including …
Commercial Property Insurance – How much is enough
What is enough and how do I know when I have reached that amount? The age-old question we all want answered. First you must determine if you want full Replacement …
VIDEO: What is Loan/Lease Gap Coverage? (55 seconds)
Watch this short video to learn about an important aspect of auto insurance: loan/lease gap coverage.
VIDEO: What is Umbrella Insurance? (59 seconds)
Have peace of mind – watch this short video to learn about Umbrella Insurance.