Do You Need Commecial Insurance At Your Law Firm?

Individualized insurance needs are a mantra of Integra Insurance Services in Huntington, TX. Like your fingerprint is uniquely yours so is the nature of your insurance needs. 

There are many factors to take into consideration when it comes to whether or not you need a commercial insurance policy if you are a licensed and practicing attorney. Commercial insurance has points that deal with the structure of your business. The basic physical property of a business puts the law firm owner at risk.

If your law firm is housed in a building where there are suites of other offices then it is imperative that you discuss with your landlord the specific coverage that your rental or lease agreement offers. These points are very specific and need to be understood fully.

Is your firm run out of your home? Are you meeting clients on the premises of your law firm or only elsewhere? Is your law firm housed alone as a sole structure? Are you renting or leasing the property? Do you own the property that houses your law firm? 

Being a licensed practitioner usually means you need additional insurance arms – including malpractice insurance. Come speak with us today. 

Integra Insurance Services in Huntington, TX takes a stand on how to underwrite insurance. Our agents also specialize in Automobile, Homeowners, and Other (Specialty, Property, Boat, and Toy) Insurance. When it comes to insurance having all of your eggs in one basket is a good thing. Especially when you go with an agency that works with your to provide the very best service by being an active listener when it comes to your insurance concerns. Then we transform into active doers in terms of putting our tremendous level of professional integrity into practice.  

Insure Your Boat During the Winter Months with Integra Insurance Services

Integra Insurance Services reminds its customers to insure their boats during the winter months. You may already have a plan in place that protects your boat from harm during the summer, but what about the winter months? What about when your boat is in storage? 

You may think that your boat is covered while it’s in storage, but that’s not always the case. Homeowners’ policies typically only cover boats and cars if they are parked at stored at your home, on your property. If you store your boat at another location, you may not be reimbursed when your boat is broken into or damaged by the cold weather. To protect your boat, check with your storage provider and make sure that they have the proper levels of insurance. Also, give a call to the trusted, experienced staff at Integra Insurance. They will walk you through the different types of policies and will explain what coverage you need and when. Your boat is an important part of your family. Don’t take any chances with it. Take the steps you need to take now to protect it from harm later. 

Integra Insurance serves the community of Huntington, TX. When you have insurance questions, give them a call at 800-655-2159 or stop by their office at 502 North Main Street. The staff at Integra Insurance are ready to answer your questions. They are well educated on the insurance laws in Texas, and they will help you find the coverage you need to protect your boat from all kinds of hazards. Don’t wait, find the insurance plan that’s right for you and your boat today. 

Types of Commercial Insurance To Protect Your Business

The day a business opens, the owners of the company have elected to face certain risks. This is true even before the first employee has been hired. Business risks require that a company maintain the correct insurance be in place from the get-go.

The reality is, just a solitary lawsuit or catastrophe is enough to financially wipe out a small business before there has been an opportunity to get the business off the ground. Integra Insurance Services offers the following types of insurance to businesses in and around the Huntington, TX area.

Errors & Omissions Insurance (E&O)

E & O Insurance is also known as Professional Liability Insurance. It offers coverage for a business in and around Huntington, TX against:

  • Negligence claims
  • Mistakes, and
  • The Failure to perform

Each industry has its own set of topical issues that Integra Insurance Services will address as they prepare a customized business insurance plan.  

Property Insurance

Property insurance is a must, even for renters. This type of insurance offers coverage for inventory and equipment, in the event of a fire or theft.

Workers’ Compensation Insurance

This type of insurance will cover medical treatments and disability should an employee be injured on the job.

Home-based Businesses Needs

Small businesses typically begin at home. However, home insurance policies DO NOT cover a business the same way a commercial policy can.

Vehicle Insurance

If company vehicles are driven, they should be fully insured to protect against claims.

Business Interruption Insurance

A business’ operations will likely be interrupted if a weather event or catastrophe occurs. During this time, a business will lose income due to the staff’s inability to work. in the office, manufacture products or make sales calls.

Give the experts at Integra Insurance Services a call today!

What Should I Expect When Filing a Home Insurance Claim for Missing Jewelry?

If you have noticed that jewelry is missing from your home, you may look to file an insurance claim with your home insurance company. Here at Integra Insurance Services, we understand that this is something that most people in the greater Huntington, TX area rarely have to do. As such, you may not know what to expect when filing a claim. Here are a few of the things you can expect when filing a home insurance claim for missing jewelry. 

Obtaining a Police Report

Before you can report jewelry missing or stolen from your home, you must first file a police report. When you file a police report, you declare under penalty of perjury that what you are saying is true. This helps assure the insurance company that your jewelry really is missing or has been taken from your home. 

Providing Information About When the Jewelry Went Missing

After obtaining a police report, you will need to contact your home insurance company. During this call, you will list everything missing and provide information about when the jewelry went missing. If your home was burglarized, this is easy to provide. However, if you do not know when your jewelry was taken or stolen, this can be harder. Always do your best to provide truthful information. 

Sit Back and Wait

After providing information to the police and home insurance company, there is nothing else you can do but sit back and wait. The insurance company will investigate your claims and pay you for the value of the jewelry, or the policy jewelry limit, if warranted

If you have valuable jewelry in your home, you may want to list each piece of jewelry separate from your home insurance claim and receive an appraisal. This helps to ensure you receive the full value of the item if it is ever damaged or missing. At Integra Insurance Services, serving the greater Huntington, TX area, we can help you with this process. Call us today to learn how to add jewelry to your existing policy or get an entirely new home insurance policy. 

Things to Keep in Mind when Purchasing Auto Insurance

Most individuals purchasing auto insurance in Texas may not be aware of what they are buying. Understanding your coverage and ensuring that you are adequately protected in the event of an accident is, however, very important. You should not wait until an accident occurs for you to get auto insurance from Integra Insurance Services since you may not get funds to pay for your medical bills or repair your vehicle.

Ensure you are careful when purchasing your policy and to do that, here are some of the things you need to keep in mind;

Know the difference between personal and commercial insurance

 Some people purchase auto insurance in Huntington, TX for private vehicles while others require insurance policy for their commercial cars. The two policies are different even regarding premiums, and you should, therefore, consider the differences before buying the policies.

Avoid buying the minimum required amount of insurance

Do not assume that just because you have an auto insurance coverage, you will be protected entirely after an accident. The protection varies depending on the premiums. Ensure to purchase the maximum amount if possible, for comprehensive protection.

You can get an itemized bill

Your insurance providers do not have the right to stop your repair shop from offering you an itemized bill with the item’s description, manufacturer and the payment billed from the insurance company for the purchase and Labor.

Understand who are protected under your policy

If you have family members, who use the insured vehicle, ensure they are permissive drivers. Otherwise, they will not be protected in the event of an accident, and they could be a hook to large bills if damages occur. Make sure to put this aspect into close consideration.

Having these facts and considerations in mind will help you shop for the best coverage that will ensure complete protection. At Integra Insurance Services, we offer consultation services where we help you make the right decision after listening to your needs. We can assist you to shop for the right policy. Visit or contact us today for more information on auto insurance in Huntington, TX.

Types Of Recreational Vehicles Covered Under Toy Insurance.

Recreational vehicles are likely to be used occasionally unlike your primary vehicle, but that does not mean that you should not get it insured. In fact, using your vehicle for fun or for extreme sports will have additional risks that may make you want to have insurance even more. Luckily, you may find affordable coverage plans if you shop around. Consult with Integra Insurance Services if you have a recreational vehicle in the Huntington, TX area.

Vehicles For Sport

Zipping around in your new ATV or dune buggy sure is a lot of fun, but make sure you have insurance so that you can play around without worrying about the financial risk factors. Sporty recreational vehicles that may be covered under toy insurance include:

  • Golf Carts
  • Dune Buggies
  • All-Terrain Vehicles
  • Classic Collectible Vehicles
  • Snowmobiles
  • Motorcycles

Larger Vehicles Covered Under Toy Insurance

Going on a trip with the family will allow you some time to relax and have fun, but you should still have coverage to protect your family. These vehicles would include trailers, campers, and motor homes.

Watercraft

Recreational watercrafts may be covered under some toy insurance policies. Small watercraft and sailboats would be covered under these plans.

Keep in mind that it should not be assumed that home or car insurance will cover these recreational vehicles when these do not. When they are parked on your property, damages may be covered under some home insurance plans but it depends on the terms of your policy. Accessories kept inside your recreational vehicles may also be covered in most toy insurance plans. If you live within the Huntington, TX area, consider consulting with Integra Insurance Services to see if they have specialized policies for your

Auto insurance coverage options

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?

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.

Business Security Systems And How It Affects Your Commercial Insurance Policy

The integrity of the agents and staffer at Integra Insurance Services is a bedrock of how we do business and how we treat your business. We hope that your business located in Huntington, TX or wherever it is in the greater Texas area has a slew of employees and clients that are filled with respect and integrity. While we are certain that we share this hope, we both know that unfortunately that is not always the case.

The Right Security System is Everything

False Claims

The amount of fraudulent claims against insurance companies continues to be on the rise. Amounts soar into the millions concerning false claims of slip and falls on business property. Having a security system in place that includes cameras can easily identify the fraudulent claims against your business.

Theft of Services or Products

Appropriately placed cameras can be a major deterrent against crime on your business property. In additions security systems can sound silent alerts to you when a theft has been initiated that could possibly prevent the full commission of the crime. There are a multitude of savvy systems on the market to help ensure you are able to keep your business safe and retain your profit margin.

Insurance Discounts

Speaking with an agent today regarding insurance rate discounts your company may be eligible for if you have a security system in place at your business is a worthwhile pursuit. Not only can you save against fraudulent claims and theft your policy rate may be lower because you have preventative measures in place for protection. 

Stop by our offices at Integra Insurance Services located in Huntington, TX to further discuss how we can work together to ensure that your business has the best insurance protection.  

Choosing Homeowners Insurance in Huntington, TX from Integra Insurance Services

A homeowner’s insurance policy will provide funds to repair or replace your home and personal property, if they are damaged in an unforeseen event. If you are looking for homeowners insurance in Huntington, TX, there is a lot to consider. Besides basic coverage, you will want to consider optional coverage for unanticipated losses. Your Integra Insurance Services agent can help provide information or quotes on the best options for your policy.

Texas Homeowners Insurance

Most homeowner’s policies in Huntington, TX contain one or more of these coverages:

  • Dwelling covers your home in case of damage.
  • Personal property pays for household good, such as furniture, appliances, clothes, that are stolen or damaged. 
  • Other structures pay to repair or rebuild detached garages, storage sheds, and fences.
  • Loss of use pays your additional living expenses while your home is being repaired. (Usually less than 24 months of coverage.)
  • Personal liability pays court costs and damages (if you are found legally responsible) for someone else’s personal injury of property damage that took place on your property.
  • Medical payments pay the medical costs if someone is hurt on your property. 

Types of Policies

The two types of policies sold in Texas are all-risk policies and named perils policies. All-risk policies (comprehensive coverage) give you broad coverage for any and all causes of loss, with specific exemptions. Named perils policies are narrower and more cost effective. They offer protection on named perils based on the policyholder’s elections. This gives you more control over your coverage but is less comprehensive than all-risk policies.

Talk to your Integra Insurance Services agent for more information on how to get the coverage you need for your home.

Contact Us

Call us today at 800-655-2159 for more information on your Huntington, TX home insurance needs.