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.

If you own a boat and live in the Arlington, TX area, it’s up to you to make sure your family is safe when you take to the water. Boat safety courses offer tips and advice on how to handle yourself while you are cruising on the lake with your friends and family. At Strack Insurance Services, the agents offer all kinds of insurance, including policies for boats and watercraft. 

Learn the Rules of the Water

A boat safety course provides each participant with a working knowledge of the laws that govern Texas waterways. By knowing and understanding these laws, boaters are better able to avoid potential accidents and keep the lakes safe for everyone who uses them.

Tips on Boat Etiquette

In addition to knowing the laws, boat etiquette is also important. It’s common courtesy to share the waterways with other boaters so that everyone can have a good time with their families. Boat etiquette is a must and prevents misunderstandings between boaters.

Protect Your Friends and Family

Taking a boat safety course will also teach you how to keep your family as safe as possible while you are out on the water. You will learn how many flotation devices are needed, as well as the best types to buy for each member of your family.

At Strack Insurance Services, the agents are well-versed in boat safety and are willing to provide you with the information you need to keep your family safe while you are on the water. If you live in the Arlington, TX area, connect with one of the agents by phone or by visiting the office. They can fill you in on when the next boat safety course is being held.

Those that are in the Arlington, TX area will appreciate the warm weather that is around most of the year. If you do live in the area, you should consider investing in a motorcycle for both recreational purposes and to be a reliable mode of transportation. If you do get a motorcycle, it is important to get motorcycle insurance. There are several tips that can be followed to help you to choose the best motorcycle insurance policy possible. 

Get Liability Insurance

When you are getting motorcycle insurance, the first factor to consider is your liability insurance needs. At a bare minimum, you need to carefully consider the state minimum requirement for motorcycle insurance. This will require you to have a certain level of liability insurance at all times. if you do not have this type of coverage, you could face serious penalization when you are caught without it. 

Collision and Comprehensive Coverage

Beyond the base liability motorcycle insurance, you may also need to get collision and comprehensive insurance. Depending on the motorcycle option that you choose, you could be making a big investment with the purchase. If you have a loan or are going to have to spend a lot of money to replace the motorcycle, you will also need a full collision and comprehensive motorcycle insurance policy to ensure you are covered. 

Anyone that has a motorcycle in the Arlington, TX area needs to make sure that they get a good insurance policy. When you are looking for insurance in this area, you should call Strack Insurance Services as soon as you can. Strack Insurance Services is a great service and option because they work hard to understand your needs to make sure you get into the right policy for your situation.