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

Texas Homeowner’s Insurance & Technology Can you believe all the new innovations that are available for your home? Many new technologies can help you in the kitchen, help keep your home cooler in summer, and some even reduce your homeowner’s insurance premiums. Here is a recent quote from an insurance company, “If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that.” Here are a few technologies that will help keep your home

Identity Theft Prevention Your identity belongs to you, and it is important to protect it. The best way to protect yourself against identity theft is to prevent it. However, if your identity is stolen, you will be able to minimize the damage by being prepared to act quickly. Shepard Insurance Agency offers identity theft and cyber risk insurance to businesses and individuals. Our homeowner’s coverage also includes a wide range of insurance options. We offer property insurance

Human caused disasters and natural disasters occur in every state. California has earthquakes and wild fires, Colorado has flooding and wildfires, the Northeast has winter storms and high winds, Florida has flooding and hurricanes, and the Midwest has flooding and tornados. Insurance And Disasters It is safe to say that most business and homeowner’s insurance policies do not cover the risks associated with disasters. The only exception would be damage caused by wildfires. Let

We are moving into Hurricane season and we to remind you of how important it is to have the right kind of insurance and to be prepared. Hurricanes bring two big problems: water and wind. Depending on where you live, you may need to buy these separate policies in order to cover hurricane damage: Flood insurance: No homeowner’s insurance policy will cover floods, including water from a storm surge. To get coverage, you’ll need flood insurance. Windstorm insurance: Homeowners in

A Personal Insurance Update We work to ensure that your personal insurance provides the protection you deserve and need. We understand you may need different coverage like a personal umbrella, RV insurance, valuable articles coverage, earthquake, or flood coverage. Over the years, we have found that homeowners who adhere to the following strategies have a better chance of obtaining the best possible combination of coverage, price, and service. Use an agent like us to represe

Choosing the right motorcycle insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state. Liability coverage Liability insurance covers bodily injury and property damage th

We all want our family vacations to go perfectly, but even with the best intentions, things can happen. Ticket mishaps, delays, schedule changes, auto accidents, and more can cause your vacation to be ruined. Your personal insurance program can be expanded to include travel and accident insurance. Call our office for a free review. Vacation Pre-Planning A little work in advance can help reduce the likelihood of bad things happening on your vacation. Here are some things to

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

Auto Insurance Are you in the market for a new low-cost car? Before you head off to the showroom, you may want to determine which cars are the least expensive to insure. There are many low-cost autos on the market which are very popular. If you are in the market for a fuel-efficient, low-cost auto, here are some items to consider. Auto Liability Coverage pays for medical damages and funeral expenses for any people injured or killed in an accident for which you were responsibl

If you drive your personally owned auto for Uber, Lyft, or even a pizza delivery company, your personal auto insurance will not provide coverage you need, should you be involved in an accident. Uber and Lyft are "rideshare" services that compete with taxis and more traditional car transport services. These companies do not own or operate their cars and do not hire their drivers directly. Drivers are independent contractors who drive their own vehicles to pick up and drop off

Believe it or not, a small to medium sized business has a greater chance of having a cyber-attack than it does of having a fire. We’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing. According to Symantec, in 2017, the average annual cost of cyber attacks

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

A Insurance Update If the last time you had an insurance review was when the Dallas Cowboys won a super bowl, it is time to have us review your business and personal insurance. Our team is ready to help you understand how your insurance needs have changed over time. Here are a few examples of how life changes may impact your insurance. How often do you travel out of the country? Do you have any domestic employees? Has there been any changes in marital status? Are you involved

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

A Texas Insurance Update Insurance may be confusing to some people. But here are few interesting facts to get you thinking about your insurance program. Insurance can offer the right combination of pricing and coverage on your home, auto, and boat insurance. If anything these are great reasons to have us complete a review of your insurance program. There were over 26,000 arson fires in the U.S. in 2017. In 2017, 42,658 wildfires burned over 9 million acres in California, Nort

A Texas Personal Insurance Update Are you tired of people telling you why you need to buy their insurance? Are you sick of buying “cheap” online insurance, only to end up with the wrong coverage? We thought it might be fun to tell that you do not need personal insurance if you meet the following criteria. Remember, personal insurance is designed to protect you from accidents and other unforeseen events. You May Not Need Insurance If You Never make any mistakes Don’t own or

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