Month: January 2019

When to Buy Special Property Coverage for Your Home

Posted on by AgentInsure

Special insurance coverage for Huntington, TX provides many benefits that can’t be earned in any other way. We at Integra Insurance Services can provide you with many options for this coverage and help you better understand when it is a good choice for your policy.

What is Special Insurance Coverage?

Special insurance coverage comes in a few different varieties, including commercial and residential coverage. Commercial coverage provides protection for public entities and non-profit companies. This type of coverage helps protect their property and business from damage and liability lawsuits.

Special insurance coverage for a home typically focuses on higher-end items in a home, such as jewelry, watches, furs, expensive gems, dinnerware, trophies, and guns. This type of coverage helps to keep homeowners from suffering total loss if somebody breaks into their home.

When is Special Insurance Wise?

Special insurance coverage is a good choice for anybody who runs a business from their home or who owns a large number of expensive items that they want to protect. For example, people who own gold coins or who have a lot of jewelry should probably consider special insurance coverage.

These types of policies can be tweaked and adjusted to meet the needs of just about any homeowner. For example, an individual can limit certain types of coverage that they don’t need and focus on just the ones that they do. So make sure to talk to your provider to learn more.

Who Provides Coverage of This Type?

If you live in Huntington, TX and want special insurance coverage, we at Integra Insurance Services can help you out. Our experts will work hard to find a great insurance policy that suits your needs and which gives you and your home the protection that it deserves.

Which kind of business needs commercial auto insurance?

Posted on by AgentInsure

If you use your vehicle for business purposes, then you may need to purchase commercial auto insurance. You can’t always prevent accidents from happening, but you can prevent yourself from having a large financial setback when accidents do occur. 

Risk can take many forms when you have a business, but when vehicles are involved, you have another set of risks involved. Even if your driver follows all of the driving laws and drives cautiously, mistakes can happen. They could have just one moment of distraction, or another driver could be driving recklessly. The risk is everywhere, and insurance is there to make sure that everyday life doesn’t slow you down or set you back.

You may not be able to completely eliminate your risk, but with the appropriate insurance, you can manage it. Commercial auto insurance is similar to the auto insurance private individuals purchase but at much higher limits.

By purchasing commercial auto insurance, you protect both your business and your business’ interests. Within those interests, you will be protecting your employees (both primary employees and those you may be doing business with) and your equipment (vehicles and goods). If you use a vehicle to transport goods or people from state to state, then you may be required by the federal government to have commercial auto insurance. Things to consider are the type of goods (hazardous materials) and the number of people (16 or more people require a higher premium of insurance than those carrying 15 or fewer) that you are transporting.

For more information and details about commercial auto insurance and how it could benefit your business in Huntington, TX, you can contact Integra Insurance Services. They can help you find the insurance that is right for you and your business.