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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Holiday Gatherings & Liability Risk

Happy Thanksgiving, The BIG I, one of the professional organizations our agency maintains a membership with has published a reminder to homeowners & sponsors of Thanksgiving parties or gatherings. They advise that as millions of Americans host and attend Thanksgiving dinners this Thursday; Many may be unaware of the risks. We advise our clients to consider the risk of being held liable if a guest...

DOL Issues Guidance on Employer Notification Requirements

On May 8, 2013, the U.S. Department of Labor (DOL) published 2013-02 Technical Release to provide employers guidance on the provision of the Patient Protection and Affordable Care Act (PPACA) that requires employee notification of health care insurance coverage options. Only employers that employ one or more individuals and who are engaged in, or produce goods for interstate commerce are subject to FLSA requirements.  The FLSA generally does...

Law & Ordinance

  What is Law & Ordinance Coverage? ~ One of the most important or potentially important types of property or homeowner’s insurance coverage available in some policies & also one of the most commonly overlooked is a coverage called Law & Ordinance. County and city building ordinance codes often change to reflect new standards for building or home construction. This can present a problem if...

Making Better Hiring Decisions

Failure to Make Good Hiring Decisions~  Half of all hiring decisions don’t work out; I hear money going down the drain of many restaurant establishments as I write this. The reason for this is pretty easy to deduce; either the restaurant owner makes the wrong decision or the candidate decides they are in the wrong job. When budgets are tight and failure is costly, the fine dining...

Insurance Intelligence – Umbrella Liability Coverage

On the Need for Umbrella Liability Coverage. It’s All About Financial Independence~ Have you ever heard the phrase “you don’t have to be a millionaire to be sued like one?” Well, it’s true. It happens every day in the court systems all across Texas. There are many nightmare scenarios that demonstrate the need for liability insurance protection; so many, in fact, that the most careful, most conservative...

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