Tag: Dallas business insurance agents

Commercial Insurance Hired and Non-Owned Auto Liability

If you’re a small business owner or run a non-profit, did you know you could be sued if an employee or volunteer is involved in an accident while driving their own car or a rented vehicle on business? Unfortunately, it’s true and there is an option that may be added to your commercial insurance policy or purchased separately, if it can’t be added to your general liability insurance, to protect you in such an event. It’s referred to as hired and non-owned auto liability, or HNO liability, and it could save your bacon financially.

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Employment Practices Liability Insurance and Gay Marriage

On a Friday in late June, the Supreme Court, ruled in a 5 to 4 decision, same sex couples may now be legally married in all 50 states. Many people rejoiced while many people thought America was going to hell in a hand basket. Regardless of where you stand on the issue, the impact of this decision has huge ramifications for small and medium sized businesses specifically in the area of employment practices liability insurance or EPLI.

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What Additional Insureds are and Why They Matter

I’ve been working with two general contractors this week. One is a custom home builder and remodeler in Dallas, and the other is a roofing company in Frisco. Both are getting general liability policies with a blanket coverage option for additional insured’s, and both wanted to understand what an additional insured is and why it matters to them.

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Do You Have the Right Commercial Insurance?

Over the past several weeks, I’ve had discussions and quote requests from 4 small business owners in the Dallas / Fort Worth area. Each of them is living the dream having started and building a successful small business through all of the hard work and long hours it takes to build a successful company. Each of the businesses are in different industries, but what was remarkable is their similarity as it related to their commercial insurance. Their commercial insurance coverage didn’t adequately protect them.

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