Here at First Texas Insurance, we want to ensure that, not only are we part of your team, but that you have a strong financial and liability team in place. It is important to have certain professionals in place, or creditable professionals in mind, when dealing with the most important aspects of your life.
Below is a diagram created to help you begin building your strategic team! We recommend having all of the following support systems in place in the event of a catastrophic event in your life. These people may not seem too important to you now however, in worst case scenarios, you will work with these professionals very closely so, we recommend taking the time to research your choices and make your decision based on references, professionalism, work ethic, and many other important attributes that you would want these individuals to possess.
We’ve left an open bubble as you more than likely already have a trusted source in mind for dynamic life events such as a financial advisor, an arbitrator, or any other professional that would benefit you depending on the specific situation like a roofer, contractor, or independent adjuster.
In taking the time to build your team, these individuals would ideally communicate frequently and adequately, with you and each other, to work in your best interest! Be sure to select dependable, responsible, and organized professionals to ensure that your satisfaction is guaranteed across the board.
Receiving a notice of a “General Liability Audit” can sometimes cause a business owner stress; although, that is not the intention. An audit is performed to ensure you have paid the appropriate premium for your exposure, or the thing for which you have insurance. Your initial deposit premium was based on your best estimate of the audit-able exposure (payroll, sales, etc.). Insurance companies use a premium auditor at the end of the policy period to compare the actual audit-able exposure against your estimated amount. This determines the actual premium. (more…)
Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. (more…)
Please click the link below and take a look at this article from Texas Heritage for Living. There are great tips on how to be prepared for severe weather & make sure your home is safe!
For safety and insurance purposes it’s important to implement a Drug-Free Workplace Policy for your company or organization. A Drug-Free Workplace Policy that is reviewed and signed by every employee ensures each individual is aware of the risks that come with working while under the influence of drugs or alcohol and has promised to refrain from engaging in such behavior. (more…)
The Insurance Council of Texas (ICT) has placed the insured losses from Hurricane Harvey at $19 billion. On August 25, Harvey came ashore, as a category 3 hurricane with 130-mile-per hour winds, just east of Corpus Christi in the Rockport/Port Aransas communities. Harvey’s winds caused extensive damage in the area and farther inland, and unfortunately resulted in 70 deaths. (more…)
With concerns about hurricane damage & flooding growing due to Hurricane Harvey in the Gulf Coast, we would like to take a minute to share an article from one of our carriers, American Strategic Insurance & Progressive Home Advantage, to help you better understand why flood insurance is needed & what this can help cover for loss avoidance, in addition to covering unpreventable damages to the home and/or contents. Below is an excerpt from their article. (more…)
Tires are a vital part of car safety, handling, and even fuel economy. Their importance can’t be overstated. After all, tires are the only part of the vehicle that touches the road. But for shoppers, it can be difficult to parse through marketing claims in order to find the model that best addresses your needs and budget. Please visit the following link for Consumer Reports list of the top rated tires for your vehicles:
Updated Texas Law
No Text and Drive law effective 9/1/2017
We wanted to make sure you are aware of a brand new driving law which goes into effect September 1, 2017. It will be against the law all across Texas to text while you are driving. This new law concerns “reading, writing, or sending electronic messages” using a “wireless communications device.” The new law does not address stricter cell phone bans already in place in other cities such as in Austin and San Antonio.
You may still use your cell phone for satellite navigations systems such as Google Maps and MapQuest.
Fines can range from $25 to $99 for first time offenders, and $100 to $200 for repeat offenders. Of course, there will also be additional court costs. A conviction will not result in any points being assessed.
If you cause an accident as a result of texting which causes serious bodily injury or death to another person, the new law provides for a misdemeanor offense punishable with a fine up to $4,000.00 and confinement in jail for up to one year.
You could also be charged with felony negligent homicide.
This email was one I received from an attorney on the new law. Please be sure you have a no text and drive policy all on employee’s while in a company automobile or running errands for the company.
Please let me know if you have any questions at all.
As always, thank you for the business and for making me a part of your team.
Traci Garner Davis
Our November 2013 Safety Newsletter is ready for viewing!
Click to view in a separate window: November 2013 Safety News
- The book on ladder safety
- HazCom changes
- GHS label elements
- and more…