How To Avoid Risk As A Small Business Owner

Owning a business generates a great sense of accomplishment, but it also carries with it many risks. Learning how to avoid the most common risks is important to your future success. At Integra Insurance Services serving Huntington, TX and surrounding areas, we want to provide our clients with the best information so that they can make intelligent insurance choices. Keep reading to learn how to avoid risks as a small business owner. 

Screen Employees Thoroughly 

It is very important that you only bring on new team members who are going to bring value to your business and not take away value. You can cut down on risks by screening employees thoroughly with the use of background checks and in-depth reference reviews. 

Keep High Safety Standards

One risk that business owners face is the risk of injuries in their place of business. Injuries can affect both employees and customers. You can cut down on these risks by always insisting on high safety standards. Keeping areas impeccably clean and free of clutter is another great way to cut down on the risks of injuries. 

Proper Training

Insisting that employees are trained properly is also imperative to cut down on risks. This is especially important if your company works closely with clients or customers. If you are providing service within customers’ homes or vehicles or handling hazardous materials this is of utmost importance. It may take more of a time investment upfront to train employees properly, but this investment could save you from difficulties in the future.

If you would like to learn about commercial insurance or any of our other insurance products, please contact us at Integra Insurance Services, serving Huntington, TX, and the surrounding areas. 

4 Overlooked Home Insurance Facts

Integra Insurance Services provides coverage to the Huntington, TX community and the surrounding areas. Life is often full of unpredictability. We strive to help our clients find the necessary coverage to protect them when adversity arises. We have working relationships with various carriers throughout the South. Providing great customer service is important to us.

Overlooked Home Insurance Facts

Home insurance gives you peace of mind if something happened to your Huntington TX property. The policy protects your home against potential structural damage. You are covered if your home is damaged due to a fire or natural disaster, such as a tornado. All of your personal items are covered if you are a victim of theft. If you have multiple luxury possessions inside your home, you’ll need to amend your policy in order to fully cover those items if something happens to them. Liability coverage protects you if you accidentally damage your neighbor’s property or a guest is injured while visiting your home. While you are researching coverage, consider these overlooked home insurance facts.

Home Insurance Covers Your Pets

Home insurance covers you if your pet injures someone on your property. The liability coverage steps in to take care of the injured party’s medical treatment.

Falling Objects

Home insurance covers any damage to your home due to a falling object. As a Huntington, TX resident, you are aware that severe weather could move through the area at any moment. If a storm causes a large tree branch to cause damage, you are covered.

Alternative Living Coverage

Home insurance covers you if your property suffers serious damage, and you have to stay somewhere else until the repairs are finished.

Connected Structures

Home insurance covers any damage to a connected structure such as a garage or fence.

Do You Need Full Coverage Insurance on Your Vehicle?

It is not uncommon for Huntington, TX drivers to only purchase the state minimum of auto insurance in an effort to save money. While this can indeed save you money on your insurance premiums from month to month, you may not necessarily be sufficiently covered in the event of an accident. Keep reading to learn a few things Integra Insurance Services wants you to know about liability insurance and full coverage insurance.

What Exactly Is Included in Full Coverage Insurance?

Full coverage auto insurance offers protection for virtually anything that can occur to you and your vehicle while behind the wheel. It offers protection for others in a collision while also offering compensation for injuries and damages you may endure in an accident.

Full coverage consists of both comprehensive and collision coverage. This means you are also covered for damages caused by a fire, vandalism, theft, animals, etc.

What Exactly Is Included in Liability Insurance?

Every state requires auto liability insurance, which is designed to offer protection for other drivers and their vehicles. This type of coverage will offer coverage for bodily injury and property damage for a third party in a collision. The amount of coverage will vary from one state to the next depending on state requirements, so make sure to check with your insurance company before purchasing a policy on your own to ensure you are in compliance with the state minimum.

If you are uncertain whether you should invest in liability or full coverage auto insurance, contact our team at Integra Insurance Services. Every policy is tailored to your individual situation, so let us help you identify your auto insurance needs in Huntington, TX.

What coverage comes with toy insurance?

Those that are in the Huntington, TX area should always look for ways to have fun in the great outdoors. When you want to enjoy all the local parks and trails, investing in a recreational toy is a good idea. When you do invest in a recreational toy, you will want to make sure you are properly insured. A proper toy insurance plan will come with a few forms of helpful coverage.

Coverage to Offset Liability Risk

One of the reasons that you should get a toy insurance plan is so you can offset your liability risk. When you choose to invest in a recreational toy, you will be taking on liability risk with every use. If you do cause an accident, you will have to cover any damages that you cause. As these damages can be significant, getting a toy insurance plan with liability coverage will be helpful as it can offset this risk.

Cover Your Recreational Toy

When you get a toy insurance plan, you also will get coverage for your toy. If your toy is stolen, vandalized, or damaged in an accident, it could be expensive to replace or repair it. Fortunately, you can get a toy insurance plan that will provide the support you need to cover losses that you incur. 

As you are evaluating your toy insurance needs in the Huntington, TX area, you could find that you have a lot of questions. When you are looking for a coverage plan in this area, it would be helpful to start your search with Integra Insurance Services. The team with Integra Insurance Services can give you a lot of guidance that will help you build a proper plan. This will ensure you get the liability and property protection that you need. 

Why Texas Boat Owners Should Consider Adding Storage Coverage To Their Boat Insurance Policies

Integra Insurance Services assists the Huntington, TX community, as well as the surrounding areas. We have partnerships with multiple carriers across the South. This allows us to offer our clients flexible policies that adjust to life’s unpredictability. We are committed to helping you protect your assets.

Should You Add Storage Coverage To Your Boat Insurance Policy?

Huntington, TX is known for its hot weather during the summer. Many Texas residents enjoy cooling off by the lake by having fun on their boats. Boat insurance helps keep you and your loved ones safe while you are out on the water. Boat insurance covers you if collide with another watercraft or object. You are also covered if your boat suffers damage due to a fire, hurricane, or tornado. Comprehensive coverage protects your boat if it is stolen or vandalized. If your boat causes damage or if a passenger is injured, liability coverage steps in to protect you. You can also cover any accessories and personal items on your boat if they are damaged or stolen.

You may think it’s unnecessary to have coverage during the times when you are not operating your boat. However, accidents can happen at any time. If you are left unprotected and something happens to your boat, that could lead to serious consequences. That’s why it is beneficial to have year-round coverage on your boat, including when it’s in storage. Someone could infiltrate the facility and vandalize your boat or steal your possessions. Perhaps an accidental fire starts. These are common scenarios when storage insurance will cover you.

Integra Insurance Services Will Help You Protect Your Assets

Visit our website to learn more information about boat insurance.

What You Need To Know About Specialty Property Insurance

Property owners need sufficient insurance in order to protect the investments they have made in their properties. At Integra Insurance Services, serving Huntington, TX, we make it our aim to provide clients with solid information so that they can make confident insurance choices. Keep reading to learn more about specialty property insurance. 

What Is Specialty Property Insurance?

Specialty property insurance is a unique type of insurance policy that can be customized for properties that do not fit into traditional categories. Finding the right kind of insurance coverage for these properties is imperative to your ongoing financial health and success. 

What Types of Properties Are Covered?

Specialty property insurance can be customized to cover many different types of properties. Below you will find some of the most common properties that would need this type of coverage.

  • Rental properties- If you have invested in rental properties, you will need customized insurance coverage.
  • Vacant properties- Vacant properties carry with them a unique set of risk factors. You can make sure all your bases are covered with specialty property insurance. 
  • Manufactured homes- Not all homeowner policies are appropriate for manufactured homes. A specialty property policy could be just what you need. 
  • Multi-unit tenant insurance- For those operating a multi-unit rental property, there are specific insurance needs that can be met with a specialty property policy. 

If you would like to learn more about specialty property insurance or any of our other insurance products, please contact us at Integra Insurance Services, serving Huntington, TX. We will be happy to answer your insurance questions and help you find the best policy to meet your needs. 

Required Commercial Insurance in Texas

When you own a business in Texas, it’s important to have all of the insurance coverages that you need to keep you and your business protected. In this state, there is only one type of commercial insurance that is required in most cases, but there are several other types that are extremely helpful for businesses of various types. If you need commercial insurance, call us at Integra Insurance Services in Huntington, TX.

Commercial Auto Insurance

When your business owns a vehicle in Texas, it is required to have commercial auto insurance. There are three amounts of coverage that are required to be in these policies. The first is an amount of bodily injury liability for one person who is injured in an accident caused by your company’s vehicle. The second is a large amount that is required for all of the people who become injured in this type of accident. The third is a minimum amount of property damage liability that covers the damage to someone else’s property in an accident caused by your company’s vehicle. If you have a vehicle that is used for work tasks, but it’s not owned by the company, it should have a policy called hired and non-owned. This isn’t required, but it is a smart choice to make sure that your vehicle is covered when it is taking care of work tasks. 

Workers’ Compensation Insurance

Texas is unusual among states because it doesn’t require every company to have workers’ compensation coverage for its employees. This coverage is only required if you contract with the government. Otherwise, it’s simply suggested and not required. This type of insurance pays for the medical bills that are caused by an employee who is injured while on the job. This coverage can keep you from being sued over these bills and other expenses related to the injury. 

Call Us Today

If you need commercial insurance, give us a call at Integra Insurance Services in Huntington, TX.

Why Home Insurance is a Good Idea in Texas

Buying a home in the great state of Texas is an achievement like no other. Settling down in the Lone Star State is something many people only dream about – and you’ve done it! 

Now that you own a home, you’ve got to insure it properly with the right coverage for your family and your needs. 

Why Insurance for My Home?

Rules and regulations aside, home insurance provides the peace of mind that even a cushioned bank account can’t. Home insurance takes care of you in the event that something bad happens, be that a natural disaster, fire, theft, vandalism, or anything in between. Money runs out, but your insurance policy won’t if you have the right coverage. 

Residents of Huntington, TX should do their due diligence and look into their current policies and see what is missing or needs to be updated. Integra Insurance Services is happy to evaluate your plan and help you shop for a better policy with more thorough coverage. We are living in difficult times, and you don’t want to put yourself in the line of potential financial hardship by failing to properly insure your home. 

From protecting your personal belongings to your valuables within the home, to the structures on your property like a shed or pool, to liability coverage that saves you if someone gets injured on your property. These are just a few of the coverage options that a quality home insurance policy offers, and you should prioritize investing in one if you haven’t already. 

If you live in Huntington, TX and are in the market for a better home insurance plan, Integra Insurance Services is here for you. Don’t hesitate to reach out to us and we’ll take care of you. 

Tips for Driving in the Rain

When driving in the rain, you must take extra caution. The road conditions can be unpredictable, not to mention the fact your visibility is often compromised. The team at Integra Insurance Services decided to put together a few simple tips for driving in the rain for Huntington, TX residents.

Tip #1: Use Your Headlights

While a very simple task, many drivers forget to turn on their headlights if it is not dark outside. However, you can increase your safety as well as the safety of others by turning on your headlights when it’s raining. In doing so, you are simply ensuring that other motorists are able to see you better in low visibility conditions.

Tip #2: Reduce Your Speed

The speed limit you see posted on the road is for typical road conditions. Therefore, when you encounter any kind of adverse weather conditions, such as rain, it is a good idea to reduce your speed. This can help you maintain control of your vehicle.

Tip #3: Increase Your Following Distance

In addition to slowing down during the rain, you also want to ensure that you fall back from the vehicle in front of you a bit. Ideally, you want to leave around three or so seconds between you and the vehicle in front of you. However, when it is raining, you should increase this to about six seconds or so. You may even want to add a couple of seconds if you are driving at night and it’s raining.

Tip #4: Know How to Correct Hydroplaning

Hydroplaning occurs when one of the tires comes into contact with too much water and loses traction, resulting in the vehicle skidding out of control. This can be incredibly scary. In the event this happens to you while driving in the rain, remain as calm as possible. Turn the steering wheel—gently—in the same direction your vehicle is hydroplaning because this will help to get the tires to realign with the automobile. Give the brake pedal a light pump, or press the brakes as normal if you have antilock brakes in an attempt to slow the vehicle down and regain control.

Whether you are interested in more safe driving tips, or you would like to ensure you are properly insured with your auto insurance policy (or maybe need to get one!), reach out to our team at Integra Insurance Services, serving Huntington, TX.

What is Covered Under a Toy Insurance Policy?

Recreational toy owners in Huntington, TX know how much fun every season can be with this type of vehicle. Sharing memories and adventures with family and friends is a great way to enjoy everything Texas has to offer. 

In the same way that you protect your home and vehicles with insurance, you should maintain a recreational toy insurance plan as well. While some people think that insuring these types of toys isn’t necessary, the agents and team at Integra Insurance Services highly recommend doing so. 

Two important ways that toy insurance protects you are liability coverage and asset protection. 

Liability coverage is necessary when you are at fault in the event of an accident. If you’re in a collision while driving your toy and you are at fault, liability coverage will protect you from the financial stress an accident can cause. If anyone is injured in an accident and needs medical care, liability insurance protects you from having to pay those bills.

If your recreational toy is stolen or damaged in any way, asset protection will absorb the costs associated with this scenario. Financial support is a valuable benefit to any type of insurance because you can’t plan for everything that could potentially happen. Let an insurance plan provide you with peace of mind that your toys and other financial assets are covered. 

The team at Integra Insurance Services can help residents in the Huntington, TX area find a recreational toy insurance plan that suits their needs and protects their assets. All your investments should be properly covered by insurance, and our agents can help you build a policy so you can get out there and enjoy all the great adventures that Texas has to offer.