Month: October 2021

Special Property Insurance Ins and Outs

Posted on by AgentInsure

If you want to safeguard that your property is insured as comprehensively as possible, you might want to consider special property insurance. Special property insurance is a different type of home insurance where you can ensure appropriate coverage for any emergency or situations specific to your area. 

Integra Insurance Services in Huntington, TX is proud to offer special property insurance to residents in Texas. We work with several providers to provide the best possible options for your home, and our advisers will walk you through our quotes so that you do not have to work them out by yourself. 

Why Go for Special Property Insurance

While regular property insurance can be useful in certain cases of emergencies, special property insurance provides much wider coverage than other kinds of property insurance. Additionally, you can customize your special property insurance to your needs.

Area Related Coverage

The area you live in is a decisive factor for your insurance policy, as this influences what extra coverage you might want. Of course, crime and burglary rates can prove relevant, but whether natural disasters are common occurrences in your state is just as important. 

While you hope that you will never go through any home-related emergencies in your life, knowing what you need insurance for can save you in the worst of times. The state of Texas experiences hundreds of wildfires a year, and therefore, you might want to add on specialized wildfire coverage to your special property insurance. 

If you want to receive a special property insurance quote for your property, call Integra Insurance Services in Huntington, TX today on 800-655-2159, or contact us via our contact form. We will provide you with several quotes, and discuss what inclusions and exclusions have relevance to your property and neighborhood. 

Is Commercial Insurance Mandatory in Texas?

Posted on by AgentInsure

Buying proper commercial insurance in Huntington, TX is vital for small business owners. Before purchasing commercial insurance in Huntington, TX it’s imperative to undertake thorough research to ascertain that it meets your needs and budget. Commercial insurance is instrumental for Huntington, TX business owners who want to safeguard their livelihood from financial mishaps that usually arise from accidents like a client’s slip and fall or a worker sustaining an injury. When you live in Huntington, TX you need to initiate an income-generating project like establishing a business. This investment usually comes with inherent risks that warrant prolific protection. Are you contemplating starting a business in Huntington, TX? Please get in touch with our agents at Integra Insurance Services to get the right commercial insurance that suits your needs and budget. 

Is commercial insurance mandatory in Texas?

Workers’ comp insurance is not legally required in Texas. Texas is the only state that doesn’t demand businesses to carry worker’s comp insurance. However, commercial auto insurance is mandatory for business owners who own a fleet of vehicles. As a business owner in Huntington TX, it’s paramount to consider other optional commercial insurance coverages to safeguard your business from imminent perils. They include:

General liability insurance: Accidents are bound to happen, and this limits any control over the impending cost of injuries inflicted on your client because of your products and services. It’s pivotal to invest in commercial insurance as it covers you against bodily injury liability and property damage. It caters to medical expenses and impending lawsuits. 

Property insurance: It safeguards your building and contents, together with any resulting impact on your business income after a covered calamity like fire, lightning, or any other form of misfortune.

Cyber liability insurance: It cushions your business from costs of data breach and recovery by helping you to pay for security breach expenses, extortion threats, and public relations expenses.

Workers’ Comp Insurance: Though Texas state does not legally require this form of policy, it’s a vital tool to consider. Many states design their coverage to help cater to employee’s work-related injuries and sicknesses. Workers covered by this form of coverage get medical care to treat their illnesses and injuries. It might cater to funeral benefits and lost income.

Business interruption insurance: Did you know some disruptions arising from imminent perils in Huntington, TX, could relegate your business to a standstill or complete shutdown? Sometimes a sprouting calamity may disrupt your business or even a hacking incident. This policy is tailored to shield your business venture during covered events to replace funds you would have accrued or provide funds to operate in an alternate location temporarily.

Are you a business owner in Huntington, TX looking for magnificent commercial insurance to safeguard you, your business, and your employees? Please call or visit us at Integra Insurance Services for queries and more information about commercial insurance coverage.