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What Does an Insurance Policy for a Bar and a Restaurant Cover?

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Understanding Insurance for Your Bar and Restaurant

If you have a business in the Houston, TX, area and need insurance, our agents at Outdoor Insurance Services are ready to help you get the coverage you need.

The Importance of Bar and Restaurant Insurance

Whether you operate a bar, a restaurant, or both, providing services to customers, onsite or via delivery, can lead to negative situations. These may include accidents, injuries, and lawsuits that might be filed. Each of these situations can lead to financial loss for you and your business.

Bar Insurance

While the state of Texas does not require bars and taverns that serve or sell alcohol to have liquor liability insurance, it is recommended for bar owners to have this coverage. Customers who are consuming alcohol may become intoxicated, resulting in an injury, such as a slip or fall, or cause damage to the property. Insurance is also important in the case of a lawsuit brought against a company by a customer for a variety of reasons.

Examples of incidents liquor liability insurance cover:

  • Alcohol poisoning.
  • Public fights involving intoxicated customers.
  • Sexual or non-sexual assault by an intoxicated customer(s).
  • A DUI by an inebriated customer even after leaving your establishment.
  • Alcohol poisoning.

Restaurant Insurance

The state of Texas requires businesses that prepare and serve food onsite, as well as businesses that deliver food to have restaurant insurance. Types of insurance include general, product, and liquor liability, food contamination, and umbrella liability insurance. Restaurant insurance is important as it can help in situations such as:

  • Property damage.
  • Equipment damage.
  • Personal injury.
  • Food spoilage.

Contact Our Office

For more information or to ask questions about bar and restaurant insurance in Houston, TX, contact Outdoor Insurance Services’s customer-friendly team. We will provide you with the most current information to ensure your business is covered.

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Building Your Custom Farm and Ranch Policy

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At Outdoor Insurance Services, we provide ranch and farm owners in the Houston, TX area with the insurance they need to protect their home and business interests fully. Let’s begin by defining what farm and ranch insurance entails.

Defining Farm and Ranch Insurance

Farm and ranch insurance is a custom policy package with various coverage components. You can tailor your policy to include the coverage you need from options such as home insurance, farm property (which covers elements like livestock and pesticides), farm liability, commercial vehicles, workers’ compensation, and crop insurance.

Creating a Custom Policy

We assist you in creating a policy that includes only the coverage you need. Everyone starts with the basics, covering your farmhouse, barn, and equipment. We won’t include livestock coverage in your policy if you farm but do not raise livestock. Conversely, if you’re a rancher who doesn’t grow crops and instead buys hay to feed your livestock, we won’t include crop coverage in your policy package.

This approach ensures a fair insurance policy that provides the coverage your farm or ranch needs without unnecessary additions. You receive all the coverage you need without incurring excess premiums.

Updating Your Policy

If you decide that growing your hay would be more cost-effective, contact us before planting your crop. Our insurance agents will help you update your farm and ranch insurance policy.

Request an Insurance Review

Contact Outdoor Insurance Services today to schedule an insurance review. Let us help ensure that your farm or ranch in the Houston, TX area carries the insurance coverage it needs.

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When Should You Get Flood Insurance? Is it Required?

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If you’ve been considering adding flood insurance to your home or commercial property, it’s important to understand what it is and what it covers. There could be cases where it’s required, and you need to add it to your policy.

What is Flood Insurance?

This policy is a supplemental insurance option that can be added to your home or commercial insurance policy. It covers damages to the area done by water and other natural disasters that aren’t usually covered under your standard policy. It’s ideal to give you that full coverage protection.

When Should You Get Flood Insurance?

If you aren’t sure about getting flood insurance, there are a few things to keep in mind to help you make that decision.

1. You Live Near Water

Whether it’s the ocean, rivers, or major lakes, getting flood insurance on your property is a good practice. Even if your area isn’t labeled as a flood zone, you’ll want to make sure to have this coverage in the event of a tragedy.

2. Loss of Natural Trees and Wooded Area

If you live in an area that is built up with a lot of homes and a lot fewer trees, then you might want to get flood insurance. Naturally, certain trees and wooded areas can handle excess rain, but areas that do not have that natural buffer are more likely to experience flooding.

3. It’s a Requirement

If you’re looking to purchase a home in a flood zone, you will need to have this insurance before you can secure your mortgage. A flood zone could be an area that has already experienced flooding or has the potential to experience it based on its location in local water.

If you’re considering adding flood insurance to your policy, feel free to contact Outdoor Insurance Services. We proudly serve the Houston, TX area and surrounding communities.

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Insurance for Off-Road Travel

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Getting there is part of the fun of hunting, fishing, hiking, and camping. That means driving off the road. At Outdoor Insurance Services, serving Houston, TX, and all of Texas, we remind our clients that ordinary coverage for their car, truck, or RV doesn’t protect them when they are off the public roads.

You will also need off-road coverage if you drive:

  • An all-terrain vehicle (ATV)
  • Dune buggy
  • Golf cart
  • Snowmobile (Ask us about out-of-state coverage)
  • Minibike
  • Trail bike
  • Camping trailer

You should also consider off-road coverage if you drive a Jeep Wrangler, Toyota Land Cruiser, or pickup. Just because a vehicle can be driven off-road doesn’t mean it should, but if you plan to drive off-road at all, you’ll need additional accident coverage, or you risk paying for repairs out of pocket.

You can get collision, comprehensive, bodily injury, and liability riders for driving your vehicle off the road. If you hit a rock, a tree, a moose, or a deer, or slide into a lake, your collision and comprehensive coverage will kick in. You aren’t likely to hit another vehicle, but you can have liability coverage if you do. You’ll be covered for wind, hail, wild animals, and theft.

Your policy won’t cover ordinary wear and tear, losses incurred during illegal activities, or unauthorized alterations to your vehicle. It also won’t cover crashes due to mechanical failure.

If you plan to use your vehicle anywhere not designed for ordinary safe driving, see us at Outdoor Insurance Services in The Woodlands for coverage for your vehicle domiciled in Houston, TX, or anywhere in Texas. We can help you find the insurance company you need for the coverage you need to address your specific situation. Give us a call today!

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Insurance for Off-Road Travel

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Getting there is part of the fun of hunting, fishing, hiking, and camping. That means driving off the road. At Outdoor Insurance Services, serving Houston, TX, and all of Texas, we remind our clients that ordinary coverage for their car, truck, or RV doesn’t protect them when they are off the public roads.

You will also need off-road coverage if you drive:

  • An all-terrain vehicle (ATV)
  • Dune buggy
  • Golf cart
  • Snowmobile (Ask us about out-of-state coverage)
  • Minibike
  • Trail bike
  • Camping trailer

You should also consider off-road coverage if you drive a Jeep Wrangler, Toyota Land Cruiser, or pickup. Just because a vehicle can be driven off-road doesn’t mean it should, but if you plan to drive off-road at all, you’ll need additional accident coverage, or you risk paying for repairs out of pocket.

You can get collision, comprehensive, bodily injury, and liability riders for driving your vehicle off the road. If you hit a rock, a tree, a moose, or a deer, or slide into a lake, your collision and comprehensive coverage will kick in. You aren’t likely to hit another vehicle, but you can have liability coverage if you do. You’ll be covered for wind, hail, wild animals, and theft.

Your policy won’t cover ordinary wear and tear, losses incurred during illegal activities, or unauthorized alterations to your vehicle. It also won’t cover crashes due to mechanical failure.

If you plan to use your vehicle anywhere not designed for ordinary safe driving, see us at Outdoor Insurance Services in The Woodlands for coverage for your vehicle domiciled in Houston, TX, or anywhere in Texas. We can help you find the insurance company you need for the coverage you need to address your specific situation. Give us a call today!

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Insurance Coverage for Hunters

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Liability coverage safeguards hunters from violations that could result in jail time or make them liable for hefty legal costs. Other types of insurance provide protection for a hunter’s equipment, which they depend on during hunting. Here, we will discuss different types of coverage that could benefit you.

Liability Coverage

Hunting liability coverage is crucial when actively hunting. This coverage offers protection against accidents that may injure another person and against damage to the land where the hunting is taking place. Both hunters and the owners of properties used for hunting should have liability protection.

Equipment Coverage

Items like rifles, storage cases, and other types of gear used while hunting can get damaged or stolen. Hunters are entitled to add equipment coverage to their existing insurance policy. Such coverage assists a hunter in maintaining their equipment’s condition. The coverage could pay for the repair of guns and other gear and possibly even their replacement. In case items are stolen from a hunter, this coverage might reimburse the insured individual for the costs they incur ‘out-of-pocket’.

Inspection Steps

Before obtaining insurance coverage, some primary inspection steps should be completed. All guns, cases, and other equipment used during hunting should be inspected. This inspection will determine the condition of your belongings. Upon receiving the inspection results, you will be prepared to acquire insurance coverage for your hunting essentials.

Agent Support

Get in touch with one of our Outdoor Insurance Services agents before the hunting season begins. An agent serving the Houston, TX region will advise you on the types of hunting coverage you’ll need and will prepare your insurance policy.

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Claiming for Liability from Guest Injuries at an RV Park

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As a manager of an RV park in and around Houston, TX, ensuring guest safety is paramount. However, even with the best precautions, accidents may still occur. Following specific procedures and gathering essential information to resolve the issue smoothly is crucial in such situations.

Overview of Liability Coverage

Liability insurance covers medical expenses, legal defense costs, and settlements should you be found liable for any incidents. It’s crucial to fully understand the terms of your liability coverage, including the limits and any potential exclusions, to be adequately prepared should an injury occur to a guest.

Collecting Evidence Following an Incident

In the unfortunate event of a guest injury at your RV park, immediately ensure the guest receives the needed medical attention. Once immediate needs are addressed, commence with documenting the incident. This includes taking photographs of the accident scene, collecting statements from any witnesses, and recording any additional pertinent details, such as the timing and prevailing conditions of the incident.

Informing Your Insurance Provider About the Accident

Swiftly contact your insurance provider to report the incident. Provide them with all the evidence gathered, including photographs, witness statements, and a detailed narration of the incident. To assess the claim accurately, they may request supplementary information like medical records or maintenance logs for the specific location of the incident.

Cooperating with the Claims Adjuster

An insurance adjuster investigates by reviewing the collected evidence. It’s vital to fully cooperate with the adjuster as their findings will dictate the final amount the insurance provider will payout.

Settling the Claim

Following the investigation, your insurer will determine whether you’re liable for the guest’s injuries. If liability is established, your insurance coverage will cover the ensuing costs up to the limits specified in your policy.

Outdoor Insurance Services: Your Trusted Insurance Partner

At Outdoor Insurance Services, our team brings their expertise to all your insurance needs. We proudly serve Houston, TX, and the surrounding areas. Contact us today to learn more about how we can assist you.

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How Hurricanes Damage the Home (and What You Can Do About It)

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Natural disasters comprise some of the most significant threats to homes. This holds particularly true if you reside in a state like Texas, where a majority of homeowners confront relatively high annual hurricane risks. Understanding the extent of damage hurricanes can inflict, regardless of whether you’ve encountered little to zero risk previously, can be a strong motivator to devise ways to shield your home against such destructive storms. This understanding also illustrates the necessity of contacting us at Outdoor Insurance Services. We cater to homeowners just like you in the Houston, TX area.

What Kind of Damage Do Hurricanes Cause?

The two most damaging aspects of a hurricane are the high winds and the extensive influx of water. High winds cannot only tear roofs off and damage other property sections, but even minor winds can weaken already inadequately supported parts of the home, resulting in thousands of dollars worth of damage during unexpected storms. If debris gets blown around, it can result in damage to doors and windows, leading to water intrusion. Water is another major concern, causing damage to floors, destroying electrical equipment, and more. To safeguard your property ideally, consider installing impact windows and hurricane shutters, reinforcing doors, elevating the home, and conducting regular maintenance. However, there is yet another way to protect yourself.

Secure Your Home With Hurricane Preparedness Insurance from Outdoor Insurance Services

While the steps above offer valuable prevention against damage, what happens if your home sustains damage necessitating intensive repairs? At Outdoor Insurance Services, we can assist you in exploring a wide range of policies to help you prepare for hurricanes and safeguard your finances in case your home in Houston, TX, suffers severe damage. Compare quotes with us today to find the policy that best suits your needs!

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What Are the Benefits of Builders Risk Insurance?

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Building a new structure or renovating an existing one is an exciting venture, yet it is not devoid of risks. Numerous hazards could potentially interrupt your project. At Outdoor Insurance Services, operating in Houston, TX, we focus on providing builders’ risk insurance to shield you from unanticipated setbacks.

Comprehensive Coverage

Builders risk insurance presents comprehensive coverage tailor-made specifically for construction projects. This type of policy generally covers physical harm or damage to the building under construction and materials, fixtures, and equipment on the site. You can rest assured that your project is secured, whether from fire, vandalism, or unfavorable weather conditions.

Financial Protection

One advantage of builders’ risk insurance is the financial safeguard it offers. Construction projects frequently involve substantial investments; any damages or delays can result in considerable financial losses. With builder’s risk insurance, you can mitigate these risks and guarantee that unexpected incidents won’t upset your budget.

Customizable Policies

Every construction project is distinct, and the insurance requirements vary as well. Builders’ risk insurance policies can be customized to suit the specific needs of your project. Whether you need coverage for temporary structures or protection against specific hazards like floods or earthquakes, you can design your policy to offer the precise coverage that you require.

Peace of Mind

Perhaps the most priceless advantage is the peace of mind that comes from knowing your project is insured. Construction undertakings can be stressful, but a solid builders’ risk policy lets you concentrate on the project rather than worrying about possible mishaps.

At Outdoor Insurance Services in Houston, TX, we comprehend the intricacies of construction projects and can provide you with the finest possible protection. Contact us today to explore how builders’ risk insurance can secure your project.

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The Cash Value and Death Benefit in Whole Life Insurance

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There are two amounts of money that are important to know about when you have a whole life insurance policy. These are the cash value that the policy and the death benefit amount have amassed. These can also affect each other in some cases. Understanding how each works is important when you have this type of life insurance policy. Call us today at Outdoor Insurance Services in Houston, TX to get started with life insurance.

Your Policy’s Cash Value

When you pay your premiums for your whole life policy, the insurance company makes a profit through investing in those payments. A small percentage of that profit is made available to policyholders in the form of a cash value of their policies. It takes a few years for this value to start to build up, but when it does, it can add up to a considerable amount that you can borrow someday if you need to. Many people feel peace of mind knowing that this amount is available to them just in case. 

The Death Benefit

The death benefit is the set amount that is specified when you get your policy that will be given to your beneficiaries. It’s a good idea to know how much your death benefit is so that you know how well your loved ones are protected. If you borrowed any portion of your policy’s cash value, that loan must be repaid. The amount of money still owed on the loan is deducted from your death benefit until it’s paid back. 

Get Whole Life Insurance 

If you’re interested in a whole-life policy, we can help. Contact us at Outdoor Insurance Services in Houston, TX, to learn more and get started with a policy.

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