Contractors Need The Right Kind of Insurance Texas Construction projects depend on the special talent and skills of artisan contractors. Artisan contractors are part of our thriving economy. Every Texas contractor, at some time, should have their business insurance reviewed by an independent insurance agent like Shepard Insurance Agency. Who Are These Artisan Contractors? Artisan contractors are usually small companies that offer specialty skills made up of one or more of th

Business and Personal Insurance Now is a good time to consider reviewing your Texas insurance program. Most people don’t take time to review exposures, options, or their current economic condition before making their insurance purchase. We want to help you, so we prepared these ten insurance buying tips for 2014. Use an independent agent - Independent agents can access many different insurance companies and select the one that offers the best combination of coverage, services

Company Holiday Parties Increase Risks Your company Holiday party was going great, and everyone was having a wonderful time. Except one of the female employees said that a manager touched her and made un-wanted advances. Now she is filing an employment liability claim. This is a scenario that no one wants to happen. Your business insurance many not cover this lawsuit unless you have employment practices liability insurance. Call our office for a review of your commercial

To protect a small business from potential lawsuits, liability insurance is necessary. Policies vary greatly, and they cover different classifications of risks for varying costs. Before shopping for a policy, it is important to educate yourself about liability insurance. Business Liability Insurance Is Available in Many Different Forms Commercial General Liability, which is also called CGL, is a very broad insurance product. It covers claims from accidents, injuries, or negli

What Is Commercial Liability Insurance? To protect a small business from potential lawsuits, liability insurance is necessary. Policies vary greatly, and they cover different classifications of risks for varying costs. Before shopping for a policy, it is important to educate yourself about liability insurance. Business Liability Insurance Is Available in Many Different Forms Commercial General Liability, which is also called CGL, is a very broad insurance product. It covers c

Many Texas homeowners go without flood insurance. Many figure the odds are low that anything will happen. Some people may think that a flood is covered under their current policy. Let us correct you; unless you have added the coverage, it is excluded. We agree that the probability is low, none the less, it does exist. Now is the time to consider Texas flood insurance. Some mortgage companies may even require flood insurance, depending where your home is located. Let Shepard

We understand all Texas businesses are unique. Just because you are a small or medium sized business does not mean you are exempt from litigation. All Texas businesses need General Liability Business Insurance to protect your organization from unforeseen events. General Liability Business Insurance should be the foundation of your insurance program. General Liability Insurance provides the following coverage: Bodily Injury- Bodily Injury to a third party. Property Damage- Dam

Is Your Business Covered For These Risks? Many businesses buy commercial insurance thinking that the policy they have covers most if not all things that might go wrong and cause a loss to their business. That kind of thinking can lead to an uninsured loss. We take the time to educate ourselves on your risks, and then design an insurance program to meet your needs. Here are examples of insurance coverage options that you should consider. Business Income and Extra Expense Comm

As a business owner, you go to great lengths to provide a safe working environment for your employees, but when dealing with humans, accidents can happen. Despite your best efforts and vigilance, accidents will happen. The Bureau of Labor Statistics notes that in 2016, there were more than 1.1 million workplace injuries. Make sure you have adequate workers’ compensation to protect your business from loss. That is when Workers’ Compensation Insurance can help. Workers’ Compe

Many businesses today offer college students the opportunity to hold a summer intern position. These can be rewarding for the college student as well as provide some help to the business. Offering paid or non-paid internships can create risk for your business. We wanted to highlight some of the business risks associated with having interns. Before you bring that person on board, make sure your business is well prepared. You should have a written plan. It should include a job

A Texas Business Insurance Update We live in a society where there are more lawyers than doctors. It seems that the typical response when someone has been damaged is to hire a lawyer and threaten a lawsuit. Most businesses can’t afford to be in court to defend every action. That is why commercial insurance is so important to your business. Our agency can offer a review of your business insurance coverage and educate you on your risks and how best to protect you. These four ri

A Business Insurance Update Insurance coverage is available for almost every conceivable risk your business might face. Cost and amount of coverage of policies vary among insurers. We can advise you on the exac t types of insurance you should consider purchasing. The right insurance policies will go a long way toward helping you safeguard your earning power and your future. If you are a business owner there are a few insurance products you may not have considered. Business In

A Texas Business Insurance Update We understand every business is unique. You serve people first and foremost. Just because you are a small business does not mean you are exempt from litigation. Every business large or small need general liability insurance to protect your organization from unforeseen events. General liability insurance should be the foundation of your commercial insurance program. general liability insurance provides the following coverage: Bodily Injury- Bo

Types of Insurance a Small Business Owner Should Have There is no question, owning a business comes with a set of unique risks. The types and kinds of business threats are changing rapidly, and for your business to survive and grow you need to know how to manage your risk. A well designed commercial insurance program can protect your company from financial loss and even be the difference between closing your doors or staying open after a severe claim. The types of business i

A Texas Business Insurance and Risk Management Trends Every business faces risks of various kinds. If you have employees you have the risk of employee injury. You most likely buy workers’ compensation to protect yourself from this risk. No owner or manager wants to believe that their business is exposed to great risks; however, many situations may expose your company to lawsuits, liability and substantial expenses. An unfortunate number of these situations go unnoticed by man

Whether you’ve just started a home-based business or your business is established and growing, Shepard Insurance Agency can help you protect

Employment claims can be distracting and emotional for business owners who may feel betrayed by employees they have known and trusted. Clai

A Texas Business Insurance Update We don’t expect you to be experts in business insurance, but we thought it might be fun to test you on what you do know about your business insurance. Business insurance is designed to cover unexpected losses. We can offer a wide range of business insurance options, so please call our office today. Business Insurance Quiz (answers at the end) Your deductible is the amount you are responsible for if a covered loss occurs. True False 2. Flood a

Whether you’ve just started a home-based business or your business is established and growing,  Shepard Insurance Agency can help you prote

Whether you’ve just started a home-based business or your business is established and growing, Shepard Insurance Agency can help you protect