Has there been a more politically divisive time in American history? Well, there was the Civil War. But otherwise, things are pretty grim in the world of Democrats vs. Republicans. So when we speculate about whether the insurance situation can improve under a Hillary Clinton presidency, we have to consider her friction with a Republican Congress. […more]
All Texans know that we live in the greatest state on earth. As such, we don’t like to be bothered by problems that divert us from advancing our business, socializing or just relaxing with some Friday night football. So it’s no wonder that many folks don’t want to face the frightening and highly inconvenient problem of climate change. But it’s here, and a spate of [...more]
Texas’ insurance market is the world’s 12th largest based on premium volume, and 400 insurance companies are headquartered in the Lone Star State, according to the Insurance Journal. These range from the very large, such as USAA, to specialty companies, like Tokio Marine, which started out in aviation covering antique warbirds, corporate jets, and even homemade private planes. Just about any kind of insurance coverage [...more]
Most of the business owners around Lubbock, exclude coverage for themselves and other executives 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. […more]
Solar energy has become increasingly popular across the US. According to the Solar Energy Industries Association, solar panel installation increased 16 percent from 2014 to 2015. More impressive, for the first time, solar overtook natural gas in new installations. […more]
The Fourth of July can be an exciting time to celebrate our nation’s history. On Monday, many of us will get off work and celebrate with friends and family – grilling burgers and brats, hosting parties, and lighting fireworks. Unfortunately, this holiday can also be dangerous and should be treated with caution. There are a variety of insurance claims that occur on July 4th, some [...more]
Friday the 13th, a day with superstitions you either avoid or embrace. For those of you a little skeptical on whether the day is truly unlucky, consider this… […more]
If Hillary Clinton or Bernie Sanders wins the presidency, the U.S. will have Obamacare and then some. Especially if Sanders is elected. Both candidates have been very vocal – and quite detailed – about their plans for healthcare. […more]
Lubbock is a city of wide-open spaces and believe it or not, there are a variety of outdoor options to stay healthy. Don’t rely completely on health insurance, get some much needed exercise! Whether you prefer exercising on wheels, motors, or sturdy shoes, you can find an outdoor outlet in the Hub City. The plethora of gyms and activity centers can also give shelter in [...more]
President Obama’s Affordable Care Act has been one of the most divisive laws in recent memory. As Super Tuesday revealed, Trump and Cruz have the highest probability of securing the Republican nomination. For the sake of brevity, let’s leave out Rubio and democratic candidates and focus on how Cruz and Trump plan to tackle Obamacare. […more]
Open carry legislation went into effect in Texas on January 1, 2016. This means that ordinary citizens with an existing concealed handgun license, can openly carry their firearms in public. There are several exceptions, including college campuses, federal and state owned land and in businesses that overtly prohibit open carry. While Texas is by no means the first state to allow open carry, it’s the [...more]
If you start reading about all the types of insurance on the market for a business, you might become overwhelmed. It’s a rookie mistake to forgo insurance, thinking coverage for a new business is an unnecessary expense. Instead, let’s look at the minimum amount of insurance an entrepreneur should carry. Note the types and amount you should carry depend on your industry, location and the [...more]
News of rising health insurance premiums has alarmed Texans as well as citizens of other states. In July, the New York Times announced that insurance companies were petitioning the federal government to approve rate increases of 20 to 40 percent and even higher. In Minnesota, for instance, Blue Cross and Blue Shield sought to raise premiums an astonishing 54 percent. […more]
As you surely know by now, small employers in Texas are facing a series of changes under the Affordable Care Act. Some of these changes center around the Adjusted Community Rating (ACR), which went into effect in January of 2014. So far, it’s affected small businesses with 1 to 50 employees. But starting in 2016, employers with 51 to 100 employees will also be subject [...more]
With Thanksgiving right around the corner, allow us to use this analogy to describe small vs. large insurance carriers. No one wants a small turkey for their family, you want quality meat at an affordable price that can feed everyone. Same with insurance, a policy that is affordable and provides adequate coverage should be the goal for a new auto, home or renters policy. [...more]
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