Month: September 2017

Auto insurance coverage options

Posted on by AgentInsure

Are you confused by what is covered in an auto insurance coverage? Unsure of whether to take this cover or not? Integra Insurance Services is here to help you understand car insurance and why it is so important.

If you are in Huntington, TX, or whichever part of the world, you probably know that car insurance is a requirement by law. It is essential that you have this cover lest you attract penalties or even lose your driving license. At Integra Insurance Services, we have a team of well-trained employees who make sure you understand all the terms of insurance as well as all the coverage options before you sign any legal contract.

Every state has its auto insurance requirements. As for Huntington, TX, it is a must for you to have a liability coverage. Let’s look at it in detail.

Liability Coverage

However experienced you are in driving, once in a while you might find yourself involved in an accident. In such a case, if you cause injury to another driver and their passengers or if you cause damage to another person’s vehicle, you are held liable for all the damages. The state requires that you pay for all the medical expenses as well as cater for the car repairs. A liability coverage helps you cater for all the costs incurred.

In addition to Liability Coverage, we also offer collision coverage, comprehensive coverage and personal injury protection. A collision coverage helps you pay for damages caused to your car as a result of a collision with another vehicle or object whereas a comprehensive coverage caters for any damage caused to your vehicle by anything other than collision.

As for personal injury protection, we cover all your medical expenses if you were the driver as well as that of your passengers. Also, depending on your policy, we also cover funeral costs.

Integra Insurance Services is here because of you. Feel free to contact us through our website or call us for more information.

 

What Is Commercial Insurance?

Posted on by AgentInsure

Do you own your own business? If so, you may be thinking about insuring your company. An agent at Integra Insurance Services serving Huntington, TX can help you not only find the right policy for your business, but show you what commercial insurance is all about. Commercial insurance is what makes the difference when your business makes a mistake or suffers physical damage.

Liability and Worker’s Compensation Insurance

Categories of commercial insurance include liability insurance, worker’s compensation insurance, and property insurance. As far as liability insurance goes, it covers your business in case someone outside your business gets injured or third party property is damaged. There are sometimes different subcategories under liability insurance that allow you get more specific coverage, such as malpractice or errors and omissions. Worker’s compensation insurance takes care of injuries suffered by employees while they are working. 

Types of Policies for Commercial Property Insurance

Within the category of commercial property insurance lie three different policy forms: basic form, broad form, and special form. All of these serve to protect a business against different types of damage.

  • Basic Form: covers perils that are common, such as some natural disasters.
  • Broad Form: usually covers what the basic form does, plus damage like the collapse of a structure or what can be caused by internal malfunctions, like leaking water systems.
  • Special Form: usually includes every peril that might occur, minus exclusions that are specifically described. Exclusions might include damage from war or vermin.

Get a Commercial Insurance Quote

Whether you are a new business in search of commercial insurance for the first time or an established business looking for a good quote, Integra Insurance Services serving Huntington, TX is a great place to start. You can contact them today to get a quote started.