When you are a business owner in the Arlington, TX area, there are a lot of very important decisions that need to be made on a daily basis. One important decision that you will have to make will come when you choose a new insurance policy for your company. One form of insurance that you will need to get is general liability insurance. There are several benefits that will come when you get a general liability insurance policy.

Liability Protection

The main advantage of having general liability protection is it will give you protection against liability risk. Any business owner is going to take on some level of liability risk on a daily basis. If you are found to be at fault and have to pay damages for an accident, the impact could be devastating. If you have a general liability insurance policy, you will have protection against this risk.

Requirement Compliance

Another reason to get general liability coverage is that it will help you to stay in compliance with various requirements. Most companies are going to have a variety of interested parties that will want you to have this coverage. This can include your lenders, landlords, and investors. If you do not have this coverage, you could be in default with a variety of different agreements.

Ultimately, any business in the Arlington, TX area would benefit from having general liability coverage. If you are searching for this protection, you should call Strack Insurance Services to discuss your needs. The team at Strack Insurance Services will be able to fully assess your business and company risks. Based on this assessment, the team will be able to determine how much coverage you need to properly protect your organization from liability risk. 

If you rent an apartment or house in Arlington, TX, you need rental insurance to protect the property. Renters insurance is essential because it helps pay for repairs and the replacement of some of your belongings, such as furniture, clothes, and other items. Here are the facts you need to know about rental insurance coverage options for Arlington, TX residents.

Rental Insurance Coverage Options

There are three insurance coverage options, including:

• Personal property
• Loss of use
• Personal liability

Personal Property Coverage

Personal property coverage helps with the finances you need to repair or replace your belongings. When you travel, personal property coverage insures your luggage and similar items.

Loss of Use Coverage

If the house or apartment you’re renting needs repairs and you have to temporarily move out, loss of use coverage helps with the additional living expenses, including food, rent, and other expenses you have that you would not have if you were still able to live in your home.

Personal Liability Coverage

If someone is hurt in your home, personal liability coverage helps with legal fees if you are sued.

Rental Insurance and the Risks it Covers

We at Strack Insurance Services recommend having a renter’s insurance policy to help protect you against different risks. These risks include:

• Theft
• Fire
• Storm damage

There are other instances rental insurance covers and your exact coverage options vary by policy, so contact us to discuss specific rental insurance risk coverages.

Rental Insurance Claims

If you need to file an insurance claim, follow these three steps to help ensure the claims process goes as smoothly as possible.

1. Tell us as soon as possible

2. Send us any information we require as soon as possible

3. Keep your receipts

Here at Strack Insurance Services, we provide Arlington residents with a variety of insurance options, including renters, home, auto insurance, and other insurance solutions. Contact us today to discuss our insurance options. We look forward to working with you.

Owning your own business can be exciting and fulfilling. Few things in life will give you quite the same feeling of accomplishment. Owning your own business, however, comes with a certain load of responsibility and care. At Strack Insurance Services serving Arlington, TX, we love helping small business owners protect their investment. Keep reading to learn what you need to know about commercial insurance. 

What is Commercial Insurance?

Commercial insurance is a general term used to refer to a collection of insurance policies that help business owners protect their business. As the owner of a business, you are held in a more vulnerable spot when it comes to risk and liability. Commercial insurance can help to protect you from this risk and liability so that your assets are not put in danger. 

What Does Commercial Insurance Cover?

A commercial insurance policy can be customized to suit your individual needs. However, most commercial insurance policies cover the following areas:

Property Damage- If there is damage to the physical property that houses your business, commercial insurance will kick in to cover the costs of repairs. This also covers losses sustained during a burglary. 

Vehicle Insurance- If your business owns and operates vehicles, commercial insurance will cover those vehicles and vehicle operators the same way regular auto insurance does.

Liability Coverage- Business owners have special liability risks. If someone is injured or their property is damaged because of an employee or because of your services, liability insurance will kick in to cover these costs of any legal costs. Liability coverage also covers you in the event that an employee is injured while working for you. 

If you would like to learn more about commercial insurance, you can call our friendly staff today. Strack Insurance Services serving Arlington, TX is ready to help you with your insurance needs and questions. 

Having a life insurance policy in place is an important financial decision. In order to make the most of this investment, it is important to consider a few things before purchasing your policy. At Strack Insurance Services, serving Arlington, TX, we take great pride in educating our clients and future clients on these topics. Keep reading to learn about 3 things you should consider when choosing life insurance. 

Final Expenses 

Your final expenses will be the first thing to consider when purchasing life insurance. A life insurance representative can help you estimate how much of your policy should be designated for this expense. They can help you understand the different types of expenses depending on what your final wishes are. A life insurance representative can also help you estimate how much these expenses may cost in the future. 

Your Family 

Life insurance is an investment you make to ensure that your family is provided for in the event of your passing. Your family dynamics will be a crucial consideration when deciding which type of life insurance to purchase and how much. If you are married with children, you will want to consider what the future needs of your family will be. What will your spouse be able to contribute to these needs and how much life insurance money would be needed to supplement. 

Your Standard of Living

Each family has an individual standard of living and expectations. Most people hope that through a life insurance policy, they can help their family maintain their current standard of living. A life insurance representative will help you evaluate this in light of how much life insurance coverage you would need to help your family maintain their standard of living for a designated number of years. 

If you would like to learn more about life insurance, please contact our friendly staff at Strack Insurance Services, serving Arlington, TX today. 

When purchasing a flood insurance policy, there are many factors to put into consideration. Besides discussing your monthly premium, it crucial to identify what is covered by your flood insurance policy. If you are living in Arlington, TX, here are a few factors to consider when buying flood insurance.

Factors to consider when buying a flood insurance cover

• What your flood insurance covers

It is essential to discuss the policy document with our agents at Strack Insurance Services to find out what is covered by the policy. While such items as water pipes may be covered, such items as detached garages, barns, and sheds may not be covered depending on your policy. Depending on which area of Arlington, TX you live in, the cost of the policy may vary.

• What flood plain your home is zoned for.

In Arlington, TX, some areas are zoned as high risk, moderate risk, and low-risk areas. It is essential to discuss the risk zone where your property is based on our agents at Strack Insurance Services. This will make sure that you get a suitable policy that fully covers all your valuables.

• Insurance company reputation

Buying insurance from a reputable insurance company is crucial as it gives you the peace of mind to know the property or business is protected. Carry out research about the insurance agent you intend to buy the cover from and find out about its payment history. This information is readily available on our Strack Insurance Services website to ensure that your concerns or queries are addressed before buying any policy.

• How much coverage you need

Identify all the key areas you would want to be covered before taking a flood insurance cover. This will advise your decision on whether you may require additional coverage on areas not covered by the standard flood insurance cover.

Please visit our website or give our agents at Strack Insurance Services a call for further information on the flood insurance.

ATV owners in Arlington, TX should be aware of any insurance requirements they’re subject to. They should also explore the financial advantages of carrying ATV coverage. At Strack Insurance Services, we provide insurance policies for area ATV owners.

The following are three insurance mistakes you should avoid if you own an ATV.

Carrying no liability coverage when you take your ATV in public park areas

ATV insurance is not required by law in Texas and in many other states. However, having liability coverage for your ATV is important if you’re riding your ATV in public areas. 

Any time you ride your ATV around others, it’s possible that you could experience an accident and be held liable for the damages. ATV insurance coverage protects you from the financial consequences. 

Neglecting to pay for collision coverage

An ATV is an expensive piece of equipment. If you don’t carry collision coverage for your ATV, you can instantly lose the money you’ve invested in it if you get into an accident. For this reason, it’s important to pay for collision coverage. 

Failing to research possible discounts you can take advantage of

There are many things you can do to potentially bring down the costs of your ATV insurance. For example, you could bundle your ATV insurance with other insurance policies you buy from the same provider. You might also be able to bring down ATV insurance costs by investing in adding safety and security features for your ATV. 

Would you like to learn more about ATV insurance considerations in Arlington, TX? We’re here to answer any questions you have at Strack Insurance Services. 

Planning for a fun RV trip with your family is fairly easy, but the one thing you can’t plan for as you’re pulling out of Arlington, TX, is severe weather. You may encounter hail, thunderstorms or possibly even a tornado; all of which can be terrifying when you’re traveling in your RV. Not only can severe weather happen at any time and in any location, but it can happen quickly. To help ensure your RV trip is safe, Strack Insurance Services has put together a few tips to weather a storm in an RV.

Know Where Local Shelters are Located

Although your RV can provide protection from the elements, in a severe situation, such as a tornado, you’ll want to shelter in a place that is stable and secure. When you arrive at the campsite, it’s important to take a few minutes to get information about local storm shelters. Be sure you know the location and the best route to get there. Remember to talk with your family and have a plan in place in case you have to get to shelter in a way other than by taking your RV.

Have an Emergency Bag Packed

Keep in mind that if you have to leave your RV due to severe weather, you probably will not have much time to gather items you’ll need. So, you should have an emergency bag packed and ready to go. The emergency bag should contain medications you’ll need for a few days, important documents that you brought with you, cell phone chargers, few bottles of water and a change of clothes for each person traveling with you.

Before hitting the road, be sure to research the type of storms that you may encounter as well as the risks for the geographical area in which you’ll be traveling. In many situations, you’ll have at least a few hours’ notice before a severe storm hits, so you should routinely check the weather forecast and if it looks like you could be in for severe storms, be sure to have a backup plan in case you have to take a detour. Being prepared and knowing what to do if you encounter severe weather will allow you to stay safe.

Residents of Arlington, TX that are interested in reviewing and/or updating their RV insurance policy should contact Strack Insurance Services.