Archives for liability insurance

It’s a sad fact that lawsuits are getting more common and more expensive. Even if you never lose a multi-million-dollar court case, just preparing for the first phase of a lawsuit can easily run up legal bills in the tens of thousands of dollars.

Even worse, no one knows in advance what specific event may be the one that triggers that kind of lawsuit in their life. Will it be someone injured:

  • In a car accident – whether it’s you driving or someone you let drive your car?
  • At your home – through what seems at the time as a simple trip, or something happening around the pool or on the trampoline?
  • Online – losing their job or reputation because of something you or a family member say on Facebook or a blog, whether or not you even realize the potential impact?

A Personal Umbrella Insurance Policy (subject to exceptions and limitations, of course) can cover not just the jury damages or settlements in these types of cases, but also the legal costs to defend them.

Without a personal umbrella policy you may be stuck settling a case you might have won simply because you don’t have the money to pay the lawyers to fight it out.

Don’t put yourself at that risk. We’d be happy to refer you to a great independent insurance agent who can make sure you have the coverages you need.

Finding business personal property and liability coverage for home-based businesses can be difficult. These days, though, more barbers, music teachers, real estate agents and web designers are finding it convenient or necessary to work at home.

Fortunately we have the solution for you! Our new NAH (Non-Admitted Homeowners) program offers business personal property coverage up to $50,000 and liability coverage up to $300,000 and medical payments coverage up to $5,000 for dozens of different types of home-based businesses.

Just some of the acceptable classes include:

Appraisal Service Art Gallery/Art Studio Auctioneer
Barber/Beautician Bookkeeper/Accountant Caterer
Cleaning Service Clock/Watch Repair Clown/Magician/Entertainer
Computer Consultant/Repair Dog Trainer Embroiderer
Furniture Refinisher Graphic Artist/Designer Pet Groomer
Home Inspector House-Sitting Service Insurance/Travel Agent/Realtor
Interior Decorator Locksmith Music Teacher/Musician
Musical Instrument Sales/Rep. Pet Sitter/Dog Walker Photographer
Publisher Shoe Repair Tailor
Tax Preparer Taxidermist Web Designer

So if you have any insureds who work at home, be sure to log in and check out the full list under the Home-Based Business liability coverage option in our NAH program – you’ll be surprised at how many different businesses we can cover and how easy it is to quote.

If you’re a Texas independent agent who doesn’t yet represent iMGA, apply to become an agent.

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