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Even though the law currently requires all motorist to carry liability insurance, there are many who do not.   What happens if you are in an accident with another person who does not have insurance and they were at fault in causing the accident?  Your car is damaged and you are hurt, who is going to pay for all of it? READ MORE >>

  Sexual Harassment is a challenge for every business to prevent.  Even though the laws have been on the books for some time (Title VII of the Civil Rights Act of 1964), we continue to see major cases of sexual harassment in the news.     What is Sexual Harassment? According to the U. READ MORE >>

    When insuring your home, it is very important to understand the valuation method that your policy uses to insure your home and the personal property. This will determine how much a company will pay you in the event of a claim.   Replacement Cost READ MORE >>

Protecting Your Business Against Ransomware Attacks Recently, The FBI published an article to help all for and not-for-profit businesses protect themselves against Ransomware attacks. These attacks are occurring more frequently and they are no longer just directed towards the larger corporations. READ MORE >>

      Competitive and Independent  •We are tied to YOU, not the company •We give you CHOICES when it comes to insurance companies and products •We will shop your insurance to other companies so you don’t have to   READ MORE >>

  There is a difference between just talking about disasters and living through one. On May 11, 1970, Lubbock Texas was struck by a large tornado.  This tornado ravaged the downtown area and caused many deaths.   At that time, our agency's address was 811 Ave M. READ MORE >>

There are many types of Homeowners insurance policies to choose from.  Therefore, it is important that you review your policy to make sure that the policy will respond appropriately in the event of a disaster. Here are 3 areas of the Homeowners policy that you should review annually. READ MORE >>

Our agency insures many businesses of all sizes.  When working with new clients, we are often surprised to find that many businesses are not fully educated about some very important coverage and risk management techniques that could be critical to their operation. READ MORE >>

  What Liability Limits do you carry on your Personal Auto Policy?    What about your Umbrella Policy Limits?  Do you have an Umbrella Policy?  What is an Umbrella Policy?   These questions are not sales questions, these are financial questions. READ MORE >>

This is a question we ask all of our private school clients.   The answer to this question will determine if a school can survive a disaster regardless of the insurance coverage.  Insurance is a financial component to help protect a school. READ MORE >>

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