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Featured Insurance Blog

Commercial Insurance Coverage For A Warehouse Setting

Owning and operating a warehouse in Houston, TX requires that you carry adequate insurance coverage. Review some guidelines that will familiarize yourself with the coverage you need. Reach out to an agent who represents AAIGOT Insurance Agency Inc. for guidance regarding your insurance policy.

Inventory

Your inventory is essential in keeping your business afloat. If you purchase many materials that are needed to manufacture goods, they should be insured. The finished products that are sold through your business should also be insured.

Transport Essentials

If you use your fleet vehicles to transport goods, you need to make sure that each of your vehicles is equipped with insurance coverage. Coverage will protect against theft, damage to goods, damage to your vehicles, and damage to another person’s vehicle or property. The route that your vehicles travel could affect the type of insurance coverage that you need.

Onsite Accidents

Accidents can occur on the premises where your warehouse is located. You should purchase workers’ compensation insurance. This type of insurance will pay for injuries that occur at your place of business.

The size of your business will affect the type of insurance you need. The type of work that is done within your warehouse will also influence the amount of coverage that is essential.

Security

Adding security aids to your building can reduce the likelihood of needing to file an insurance claim. Commercial-grade lighting, alarms, and surveillance equipment will protect your place of business in Houston, TX. These items will also protect you and your workforce.

We Are Here To Help

 AAIGOT Insurance Agency Inc. will outline the commercial insurance plans that you can select from. Reach out to us today!

Is Work From Home Covered by Home Insurance?

In recent years, there has been an increase in Texas employees working from home. Whether an employer allows remote work or you are operating your own business from home, it’s essential to know if work from home is covered by home insurance. For individual circumstances, it’s best to contact your agent at AAIGOT Insurance Agency Inc. serving Houston, TX. But in general, here is what you need to know.

Work From Home is Different Than a Home Business

There’s an important distinction between working from home and a home business. Work from home implies you’re employed by an outside company, while a home business implies you’re working for yourself. In a work-from-home situation, your work devices, such as laptops, printers, phones, etc., may be owned by the company and covered by the company’s insurance. With a home business, your work devices and equipment would be owned by you, and you would be responsible for coverage.

Home Insurance May Not Cover Business Equipment

Each case is different, but in general, business equipment and electronic devices would be best covered by separate business insurance. This would help to ensure that purely business-related losses, such as data loss may be covered by your insurance. Otherwise, there’s a chance that you could face an unrecoverable loss.

Consult With Your Insurance Representative at AAIGOT Insurance Agency Inc

If you’re in a work-from-home situation, you should definitely consult with your insurance representative to confirm what work-related items are covered and what isn’t. You should also confer with your employer to see if they offer coverage for company devices you use at home.

For all your home insurance needs, contact AAIGOT Insurance Agency Inc., serving the needs of residents of Houston, TX, and surrounding areas.

Auto Insurance for Ride-Sharing and Delivery Drivers

Getting auto insurance is difficult as it is, but if you are a ride-share or food delivery driver in the Houston, TX area, you should know that your requirements will be different from the typical motorist. As a driver that transports passengers or other people’s goods for a living, you will need to have specialized insurance policies on your car to protect you, your cargo, and your riders. AAIGOT Insurance Agency Inc. can help you understand your options.

Auto Insurance for Ride-Sharing and Delivery Drivers

Ride-sharing platforms do provide drivers and their vehicles with an additional level of insurance coverage. Unfortunately, however, these policies do tend to have gaps in them that are your responsibility to address.

As a matter of fact, while Houston, TX drivers must legally maintain liability insurance protection if they decide to work as ride-sharing contractors, this personal insurance will not cover customers’ items that may get damaged in an accident or the injuries of ride-share clients. That is because their vehicles are being used for commercial purposes.

Another idea is to specifically look for insurance carriers that offer special packages and policies for ride-share and delivery drivers. Such policies are likely to offer collision and comprehensive coverage that will protect your vehicle if you were to get into an accident. Property damage and bodily injury liability will also be automatically covered under such an umbrella policy.

Traffic congestion is, of course, a huge issue in the area, so having the proper amount of insurance is critical for ride-share and delivery drivers. This is especially true for those who may speed in order to make timely deliveries of hot meals and frozen items, like ice cream and ground beef.

Have Questions? Consult With Us

If you are unsure of what type of policy you will need in order to continue your side hustles, we have you covered. Give us a call at AAIGOT Insurance Agency Inc., or stop by to learn more about the policies that we can offer you.

When is it a good idea to get a commercial insurance plan in Texas?

Business owners in the Houston, TX area have continued to find it to be a great place to own and grow a business. If you are going to start and run a business here, you will be able to maximize your opportunity if you continue to be properly covered with insurance. There are a lot of situations when it is a good idea to get a proper commercial insurance plan.

When Investing in Assets

A situation when you will want to get a commercial insurance plan for your Texas business is when you start to invest in assets. Businesses today will need to make sizable investments in various assets to get the company off the ground. If you do purchase assets, the losses due to fire, theft, or other forms of damage can be significant. However, if you have the right insurance in place, you will be able to mitigate this concern.

When Serving Customers

It is also important to have a commercial insurance plan whenever you plan to start serving customers. There are always liability risks that come with offering a product or service to a customer. If someone gets hurt or ill through the use of your product or service, you can be held responsible. Insurance will help to mitigate and offset this risk. 

We Are Here To Help

Any business that is in the Houston, TX area will want to know that they are getting the right insurance. When you are ready to start shopping for coverage here, you can call our team with AAIGOT Insurance Agency Inc. At AAIGOT Insurance Agency Inc., we understand the value of this coverage and know the available options. We will be able to help you create a new policy that will meet your personal needs. 

Why Is It Important to Replace Your Roof?

Your home’s roof plays a vital and essential role in protecting what is likely among the largest of your investments, your belongings, and your family. Our insurance professionals at AAIGOT Insurance Agency Inc. in Houston, TX offer this essential guidance regarding your home’s roof.

Why is it Important to Replace your Roof?

Choosing to replace the roof of your home proactively offers protection in maintaining your home’s value and extending the lifespan of your family’s home. And regular roof inspections are the key to saving money in the future.  

Prevent Water Damage

A roof that has deteriorated and remains neglected will likely develop compounding problems over time. Small issues can become expensive repairs if left unattended.

Ensure Safety

An old roof may create risk as loose shingles may fall and injure someone.  

Improve Energy Efficiency

An old roof will likely have substandard insulation, which can be replaced with energy-efficient, modern insulating materials. This will reduce air leaks and help reduce the cost of cooling or heating one’s home.  

Enhance Curb Appeal

A new roof can also enhance your home’s curb appeal. This added aesthetic is a noticeable property upgrade and may positively impact the home’s salability and value.  

Remain Compliant with Newer Building Codes

Over time, building codes change to meet evolving societal and environmental needs. Replacing your roof will help to ensure that your home’s roof is compliant with current codes – which may become a key issue when selling the property.

Contact Us Today

Knowing that your home has a well-maintained and durable roof can provide peace of mind. For more information about ways to protect your home and investment,  contact us at AAIGOT Insurance Agency Inc. serving the Houston, TX metroplex today!

Navigating Auto Insurance in Texas: What Do You Need to Know?

Texas is one of the biggest states in the nation, and therefore it has thousands of drivers on the road. This implies that it’s imperative to have the appropriate protection while driving. At AAIGOT Insurance Agency Inc., we offer various auto insurance policies and customize them to our customers’ needs. If you are searching for auto insurance in the Lone Star State right now, here is some essential information you should know: 

What Should You Know About Auto Insurance in Texas?

  • Car insurance is mandatory in Texas. Drivers in Texas are required by law to provide proof of auto insurance for any road accidents they cause.
  • Different types of coverages. The most common coverages that you should consider include liability coverage, collision coverage, comprehensive coverage, personal injury protection, uninsured/underinsured motorist coverage, and more. 
  • Possible discounts. For safe driving, completing defensive driving classes, bundling policies, and having specific safety equipment in your car, many insurance companies offer special discounts. You can ask your insurance agent about them when shopping for insurance. 
  • Factors affecting the cost of insurance. The cost of auto insurance in Texas can vary significantly depending on a number of variables, including your credit score, region, age, gender, driving history, and some others. 

Reach Out To Us

Are you a resident of Houston, TX? Or do you live in any nearby area? Are you currently shopping for auto insurance to protect your vehicle and yourself on the road? Contact us at AAIGOT Insurance Agency Inc. in Houston, TX and we will help you find a perfect insurance policy based on your individual needs. 

Tips for Entrepreneurs to Reduce Risks

Setting up or managing a small business can come with a lot of rewards. Yet with rewards also come risks. Fortunately, there are steps business owners and entrepreneurs can take to reduce risks. Examples of this include taking out commercial insurance or closely managing their finances. Contact AAIGOT Insurance Agency Inc in Houston, TX if you’d like to learn how you can mitigate risks with the right commercial insurance policies.

Build Up Emergency Funding

Many businesses with healthy revenues still run into trouble when they face an emergency, like when a piece of machinery breaks down. This could lead to orders going unfilled, which could decimate your revenues. Building an emergency fund will help you deal with such calamities. Commercial insurance, meanwhile, may provide coverage for damage from storms and the like.

Consider Your Staff Closely

Many businesses are only as strong as their workers. It’s important to closely consider what staff you need. When hiring, it’s smart to do background checks and otherwise vet staff to make sure that they’ll be a good fit. The right team members could empower your business and help you achieve your ambitions. Unscrupulous employees, unfortunately, could create risks.

Take Out Commercial Insurance

The right commercial insurance plans can protect businesses from many things, including burglaries and weather events like tornadoes. If a customer slips and is injured on your property, an insurance plan might help with litigation and settlements. Commercial insurance may help cover some of the costs associated with such events, thus helping you get on your feet.

Keep in mind that every insurance plan has its own terms and may not provide coverage for every event. Want to explore commercial insurance options? Get in touch with AAIGOT Insurance Agency Inc, serving Houston, TX and beyond, to discuss policies.

Do I Need Home Insurance in Houston?

Home insurance is another added cost to living in the Houston, TX metroplex, but it is a requirement in most situations. Most people cannot afford to buy a home with cash in hand, so they have to go to finance companies and banks to take out a mortgage on their home. As soon as this becomes a reality, the lenders demand homeowners insurance to protect the home and property as collateral. 

Those who paid out their mortgages, or were fortunate enough to buy a home outright, have the option to purchase homeowner’s insurance without being forced into it.  

Homeowner’s Insurance is the Ultimate Protection

The damage that can occur to a home and property is endless. Geographically speaking, Houston, TX is prone to take a beating from hurricanes that rage from the Gulf of Mexico. Tornados and other violent storms can pop up at any moment and cause massive damage to the property’s roofs, structures, and loose items. 

There is a deductible that the homeowner must pay out of pocket, but the insurance company covers the significant cost. Homeowner’s insurance protects the investment made by the lender and helps keep a safe haven for a homeowner and their family. 

But Is it Necessary? 

Yes, it is necessary. The cost of damage can go into the tens of thousands of dollars, if not more, in severe disasters. Not many people have the cash on hand to cover such damage. Finding the insurance company that suits your needs in coverage, premiums, and affordable deductibles is the wisest decision.  

Let AAIGOT Insurance Agency Inc. Help You

At AAIGOT Insurance Agency Inc., we can tend to your homeowner’s insurance needs and answer all your questions. We are happy to assist and ask that you contact us today for more information. 

What is the benefit of having an auto insurance plan in Houston?

Houston, TX is a very large area that continues to grow each year. Because of this, those that live in this part of Texas will need to have a car to get around. When you are looking to buy a car here, you also need to carefully assess your insurance needs.

There are various benefits that come when you are properly insured with an auto plan in the Houston metroplex:

Protect Vehicle

A reason that you will want an auto insurance plan in this part of Texas is so you can protect your vehicle. If you are looking to buy a car, you will be entering into a large investment. The best way that you can cover this investment and protect it is by getting insurance. With a proper insurance plan, you will have all of the support needed to replace or repair your car. 

Offset Liability Risks

It is also a good idea to get auto coverage to offset your liability risks. There are many risks that come when driving a car. One risk is that you will make a mistake that caused an accident. When this happens, you will need to cover the damages. If you are insured, you will get liability support that will cover these costs to reduce your personal expense. 

We Can Help

If you are going to own a vehicle in the Houston, TX area, you need to make sure that you have the right insurance coverage. When you are looking for a new plan here, it would be a good idea to call the professionals from AAIGOT Insurance Agency Inc. There are a lot of advantages that come with this coverage, and our team with AAIGOT Insurance Agency Inc will help you select an ideal policy for your situation. 

Navigating the Complexities of Commercial Insurance

As a business owner in the Houston, TX area, you know how important it is to protect your investments. Whether you’re looking for property insurance, liability coverage, or any other type of protection for your business, having the right policy in place can help keep your finances safe and secure. But with so many different types of coverage available, navigating the complexities of commercial insurance can be daunting.

That’s why our agents at AAIGOT Insurance Agency Inc have put together this quick guide for you. 

Understanding the Types of Coverage in Commercial Insurance

Commercial insurance covers a wide range of risks and offers a variety of options for protecting your business. 

Property insurance protects your physical assets like buildings or equipment from losses due to theft, fire, or other unexpected events.

Liability coverage provides financial protection against legal claims related to injury or damages caused by your business operations.

Vehicle policies protect vehicles used for company business with comprehensive coverage that includes accident and collision protection.

Workers’ compensation insurance pays medical costs incurred as a result of workplace accidents or injuries.

Finally, professional liability covers claims related to negligence or errors in the service you provide.

Navigating the Claims Process

If your business experiences a loss, filing a claim with your commercial insurance provider can help cover the costs of repairs and other associated expenses. But understanding how the process works can be confusing. Our team of experienced agents is available to answer all of your questions and guide you through each step of the claims process. We’ll work closely with you to ensure that your claim is handled promptly and efficiently, so you can get back to focusing on running your business.

Give Us A Call

At AAIGOT Insurance Agency Inc., we understand that finding the right plan can be confusing and time-consuming. That’s why our experienced team of licensed agents is here to help guide you through the process of selecting a solid policy for your Houston, TX business needs. We’ll take the time to explain all of the types of coverage available, so you can make an informed decision. Contact us today for more information on how we can help you protect your assets.

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