Kurtin Insurance & Financial Services

1300 W Sam Houston Pkwy S,
Ste 220, Houston, TX 77042

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How Does Commercial Insurance Protect Your Business?

Every business in Houston, TX needs protection from liability claims. Claims can arise when you are legally obligated for someone injured on your property or you or an employee damage someone else’s property. This is where commercial liability insurance comes into play.

Commercial liability insurance will pay your defense against a lawsuit and pays damages up to policy limits. If your damages exceed the policy limits, your business will be responsible for paying the remainder.

There is not one standard commercial policy in Houston, TX to protect your business. Depending on the certain risks your business faces, you may need additional coverage. An agent at Kurtin Insurance & Financial Inc. can help you find the right level of protection for your business.

Business property insurance will protect the building your business is in, as well as personal property. This can include your business equipment and inventory. Business income insurance will help protect your business if you need to close temporarily due to a covered loss, such as damage from a fire. This policy can help you to pay expenses while your property is being repaired or replaced. Workers’ compensation insurance will protect your business against costs associated with injuries to employees. This policy helps cover legal fees if a worker or worker’s family decides to sue and can cover medical expenses and wages for the employee. Data breach insurance will help protect your business from the cost of cyber attacks and threats. If your business is attacked, there are many expenses, from finding the source of the breach to communicating with those affected. It would be best if you also had public relations to manage its reputation throughout the process. Commercial umbrella insurance can help protect you even further and acts as a safety net with extra coverage when your other policies reach their limits.

Contact Kurtin Insurance & Financial Inc. to get a quote on commercial insurance. 

What You Should Know about Home Insurance

Home insurance in Houston, TX can be overwhelming, but there are some things you need to know.

You Need Home Insurance

You may not be required to have insurance in Houston, TX, unless your lender requires it, but you do want to have it. Home insurance protects more than just your home and includes your personal property and liability against accidental damage or injury to third parties. Your home is one of your largest assets so be sure to protect it.

There Are Different Types of Policies Available

Even though home insurance can be pretty standard, some policies are slightly different. Be sure to speak with an agent at Kurtin Insurance & Financial Inc., so you understand your policy. There is a difference between cash value coverage and replacement cost coverage. You should also know that home insurance won’t cover everything, and there will be coverage limits.

Review Your Needs Every Year

You want to make sure you still have adequate coverage with any changes you make. New insulation, remodeling, or adding a room can add value to your home, and you want to increase your replacement cost protection.

Home Maintenance Matters

An insurance company wants to make sure your property is in good shape, so you must maintain your home. Keep your trees trimmed, have a regular roof inspection, and watch for signs of a leak. Home insurance likely won’t cover any issues due to lack of maintenance, so be sure you take care of things.

Create a Home Inventory

A home inventory can help you make sure that you have adequate insurance coverage for all your belongings. This also creates a record to make it easier to make a claim.

Contact Kurtin Insurance & Financial Inc. to get a quote on home insurance.

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