Posts Tagged ‘texas insurance agency’

Business Owners Need Workers’ Compensation Too

Tuesday, August 2nd, 2016

Most of the business owners around Lubbock I deal with exclude coverage for themselves and other owners in their workers’ compensation policy. It seems that many owners don’t like the idea of getting hurt or don’t believe that an accident will befall them. Group Health Insurance Excludes Workplace Injuries Perhaps some of them believe that if…Read More

Darwinian Insurance Underwriting = Extinct Dog Breeds?

Friday, March 9th, 2012

Some dog breeds would become extinct if insurance company underwriters had their druthers.  (I love that word.)  Here’s why: The legal climate around dog bites is so bad that their owners almost are always responsible for the actions of their pets.  Insurance companies have responded to the nearly $360,000,000 in annual claims for bites by installing Darwinian underwriting. …Read More

Save Money on Car Insurance while taking less Risk

Saturday, February 4th, 2012

Why do you buy Auto Insurance?  “I have to” may be your response and that is so true.  Most states require auto liability insurance and almost all lenders require collision and other than collision coverage (the so-called “Full Coverage” option) so “I have to” is a great reason but there is an even better reason…. Before the…Read More

Child only Health Insurance

Thursday, September 8th, 2011

If anyone needs to get a child only health insurance policy (in TX), there’s a program through Blue Cross that has a one time per year open enrollment period.  The deadline is September 15th to enroll.  No agents are involved.  Go to http://bcbstx.com/coverage/individual/bluepathway.html to find out more.  It’s the only commercial insurance program in Texas…Read More

Which Deductible Should I Buy?

Monday, July 4th, 2011

Low deductibles are great when the claim occurs but rarely are they the best long term decision. O.K.  Let’s start this discussion with a trip to Las Vegas.  Odds are, if you are reading this, you don’t live in Vegas so a trip is within the sphere of imagination for you.   See this decision is…Read More

Protect your business’ pocketbook

Thursday, June 30th, 2011

You’ve just signed for that business loan and you’re ready to get the doors open just as soon as possible. The banker shakes your hand and says “Have your insurance agent add the bank onto your insurance policy”. You say, “I’ll get that done” while thinking…I need to get an insurance policy going soon. A…Read More

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