Author: admin

How To Talk to Aging Parents About Life Insurance

Posted on by admin

Talking about end-of-life preparations can be uncomfortable and sad. Many people altogether avoid these types of conversations for these reasons. Here at Outdoor Insurance Services, serving Houston, TX, and the surrounding areas, we want to help clients face these types of conversations with their families. Keep reading to learn more on talking about life insurance with aging parents. 

Do I Need To Talk To My Parents About Life Insurance?

Suppose your parents have not already shared their plans for end-of-life expenses and life insurance with you or another trusted family member. In that case, you need to attempt to have this conversation. This is important because when families are not aware of preparations that have been made or policies that are in place, it makes it very difficult and stressful to pay for and plan final arrangements.

When a parent passes away, the family will already be distraught, and any confusion about life insurance policies or how to pay for expenses will significantly add to that stress. Talking about these things now will bring peace of mind, even if it is initially awkward and uncomfortable. 

How Do I Start This Conversation?

When it is time to start this conversation, be sure to approach it gently. Make sure you explain to your parents that you want to be able to carry out all of their final arrangements precisely as they wish, and to do that you need to know what plans have already been made, what expenses have already been paid for, and what type of insurance policies are already in place. 

If you want to learn more about life insurance, please contact us at Outdoor Insurance Services, serving Houston, TX, and the surrounding areas. 

What Is Operator’s Insurance and When Do You Need It?

Posted on by admin

Here at Outdoor Insurance Services, serving the greater Houston, TX area, one of the types of insurance we offer is operator insurance. While there are many types of insurance products that you may be familiar with, operator’s insurance is not one of the products that most people are familiar with. As such, when you hear this term, you may wonder what operators’ insurance is and when you may find yourself needing an operators’ insurance product. Read on to get the answers to these questions. 

What Is Operator’s Insurance? 

Operator’s insurance differs greatly from traditional liability insurance that you see with auto or truck insurance policies. With traditional policies, the vehicle itself is covered, regardless of who is operating the car, as long as they are not on an excluded list. With operator’s insurance, you, the driver, are covered, regardless of which vehicle you operate. Most operator’s insurance policies apply to drivers of cars or operators of big rigs. 

When Should You Consider Purchasing an Operator’s Insurance Policy? 

If you typically drive one or more vehicles you do not own, purchasing an operator’s insurance policy may benefit you. It helps to ensure that you are covered as the driver of the vehicle or truck, regardless of what type of insurance the owner of the vehicle has. This helps to protect you when you are operating someone else’s vehicle. 

Operator’s insurance may be needed if you operate a vehicle or a big rig you do not own. Typically, insurance products cover the vehicle itself, but operator’s insurance is designed to cover the operator or driver. If you want to purchase an operator’s insurance policy in the greater Houston, TX area, please get in touch with Outdoor Insurance Services to get the help you deserve when looking for and purchasing your ideal insurance policy. 

What comes with a wineries insurance plan in Texas?

Posted on by admin

Wine continues to be one of the most popular adult beverages in the world. Today, wine grapes continue to be grown in parts nationwide, including in the Houston, TX area. If you are going to open a winery here, it is essential that you carry proper insurance for the business. A wineries insurance plan will offer various types of coverage for business owners in this area. 

Liability Coverage

Whenever you are going to produce and serve alcohol, there is a certain amount of liability risk that you are taking on. Getting proper insurance should be a top priority when you are looking to mitigate this liability risk as well as possible. A winery insurance policy will give you coverage for accidents on the property and product liability coverage, which can offer support if someone is hurt or becomes ill by consuming a product you serve.

Coverage for Assets

It is also wise to get a winery insurance plan for proper asset coverage. Anyone purchasing a winery will also need to acquire buildings, wine production equipment, vehicles, and other vital assets. Without insurance, you could lose these items entirely if a fire or another peril occurs. Ultimately, your insurance plan will give you financial support if you incur a serious loss.  

If you are looking to open a winery in the Houston, TX area, you will want to ensure that you are properly insured. If you are looking for winery insurance, it would be helpful to call our team at Outdoor Insurance Services. Our insurance professionals understand the importance of proper business coverage, and we can help build a plan to protect your winery adequately. 

How to prepare your home for a storm

Posted on by admin

Preparing your home for a storm can be a daunting task, but it’s essential to ensure the safety of your family and property.

Here are some steps from us at Outdoor Insurance Services you can take to make sure that you’re ready when a storm hits the Houston, TX area:

  1. Secure outdoor furniture: Make sure all outdoor furniture is stored in a safe place or tied down securely, so it doesn’t become dangerous debris during high wind
  2. Clear away debris: Walk around your property and remove any objects that could cause damage if thrown by the wind; this includes items like garden tools, pool toys, or any other loose items.
  3. Cover windows and doors: Install storm shutters on your windows to protect them from flying debris, or use plywood to cover them up temporarily.
  4. Check your roof: Make sure there aren’t any loose shingles or tiles that can be easily ripped off during high winds.
  5. Trim trees: Prune your trees, so branches don’t come into contact with your home in the event of a storm.
  6. Stock up on emergency supplies: Have a first aid kit, flashlights, and food/water stored away for emergency use if you get cut off from power for an extended period.
  7. Check your insurance policy: Ensure your homeowner’s insurance is current and covers any damage caused by storms or flooding.
  8. Stay informed: Use local media outlets to stay informed on the progress of approaching storms and follow any safety instructions given by local authorities.

By preparing for your home, you can ride out the storm knowing you have done everything possible to stay safe. For more storm tips, call us at Outdoor Insurance Services today. We proudly serve the Houston, TX area. 

What is craft brewery insurance?

Posted on by admin

Today, more people are starting their own businesses, particularly craft breweries. Every business needs insurance to cover potential losses and protect its property and income. This includes breweries. Although commercial insurance is a wise thing to have, breweries have more risks involved. This means that they need something with more coverage than what regular business insurance would give. This is where craft brewery insurance comes in.

What is craft brewery insurance?

Craft brewery insurance has a lot of similarities to commercial insurance, but it also covers a lot more, such as brewery equipment, tank leaks, and much more. Here are some of the things brewery insurance can cover:

Business property coverage

Suppose something happens to your property, like a fire, natural disaster, or other types of damage. In that case, business property coverage will help pay for the damage to your property so that you can stay in business.

Tank coverage

Your product has to be stored somewhere. Most breweries store their product in tanks. If one of your tanks is damaged or leaking, your insurance can be used to replace the tank so that you lose the least amount of product possible.

General liability coverage

Suppose a customer or employee gets hurt or their belongings get damaged due to the fault of the business. In that case, general liability insurance can cover the costs of medical bills, lawsuits, or the replacement of their belongings.

Equipment breakdown coverage

The brewery equipment is not included in a typical business insurance policy. This is one of the reasons why brewery insurance is helpful to have. Brewery insurance helps cover the costs of equipment if the equipment breaks down.

Liquor liability coverage

Liquor liability coverage is a bit different from general liability. Any business that sells alcohol is required to carry liquor liability insurance. This covers property damage and bodily injury due to over-intoxicated customers.

Contact Us

If you are looking into opening a craft brewery and need brewery insurance, we would be happy to help you here at Outdoor Insurance Services in Houston, TX.

What Type of Insurance Coverage Does a Bar or Pub Need?

Posted on by admin

If you’re in the process of opening a bar or pub in Houston, TX, congratulations! You’ve taken the first step towards owning your own business. As you already know, there’s more to opening a business than just hanging a sign outside and waiting for customers to come in. Outdoor Insurance Services is here to answer your questions.

Liquor Liability Insurance

If you plan on serving alcohol at your bar or pub, then you need to have liquor liability insurance in place. This type of insurance protects you from lawsuits that may arise from incidents that occur on your premises. For example, if a patron gets into a fight at your bar and someone is injured or drinks too much and gets into an accident after leaving your establishment, you could be held liable. 

Property Insurance

Property insurance protects your business in the event of damage to your physical property due to fire, theft, vandalism, or other covered events. This type of coverage is important for any business owner. Still, it’s especially important for those in hospitality because your property will likely see more wear and tear than other businesses. 

Cancellation and Postponement Insurance

Cancellation and postponement insurance protects you from financial losses if you cancel or postpone an event for a covered reason, such as severe weather or illness. This coverage is important for any Houston, TX business that hosts events like weddings or corporate parties. 

As a new bar or pub owner, it’s important to ensure you have the proper insurance coverage before you open your doors for business. Contact Outdoor Insurance Services, and we’ll help you get the coverage you need to get going!

Get the livestock protection you need with a Farm & Ranch policy

Posted on by admin

Outdoor Insurance Services is proud to help the farmers and ranchers in the greater Houston, TX region with all of their insurance needs. If you want to learn more about the Farm & Ranch policies available in our area, give our office a call today. We look forward to working with you!

Protect your livestock with a Farm & Ranch policy

Owning and operating a ranch and running livestock can sometimes be challenging. There are a lot of factors that are outside the control of the rancher, such as weather and feed-related issues. If you want to protect your financial interests, no matter how challenging the year may be, having a Farm & Ranch policy can provide that coverage. 

Livestock often represents the largest investment of a ranch. Raising and harvesting cattle and other animals can take a lot of work and a high investment of time and money. It makes sense to protect those investments and hard work. If you aren’t familiar with this type of insurance, now is an excellent time to find out more.

An experienced, local agent who understands the ranching business is an effective resource for learning more about the available insurance policy options. Why not learn more about how a Farm & Ranch insurance policy can help protect your livelihood today? Our team is here to provide any information you may need while selecting your policy.

Find out more today!

If you own livestock in the Houston, TX area, you can count on the Outdoor Insurance Services team for all your Farm & Ranch insurance policy needs. Contact our office today to learn more by scheduling an appointment. See you soon!

Do You Need Flood Insurance?

Posted on by admin

No matter where you live, having flood insurance is a good idea. Many areas flood regularly, and many more areas flood infrequently. But, once is enough for an enormous amount of damage to a home. It would help if you had flood insurance when you want to protect your home against all its risks. When you need flood insurance protection, call us at Outdoor Insurance Services in Houston, TX to find out more. 

Home Insurance and Flooding

Flooding can happen for several reasons, many of which are not covered by home insurance. Many assume their home insurance policy will pay for any damages after a flood, but this isn’t the case. To protect your home against floods, you must have a flood policy. Floods can cause enormous damage to a home, so it’s never a good idea to be unprotected in case one should happen. 

Backing for Flood Insurance

When looking for flood insurance, there is just one sponsor and backer of this coverage. The government backs it through the National Flood Insurance Program. This also means that the price of this insurance is always the same from any insurance agency you buy it through. The NFIP has recommended that all homeowners have this insurance to protect their homes against floods, not just if they live in a flood zone. About one in five flood claims that are reported come from areas that are not in designated flood areas. 

Get Your Flood Policy

When you want the best protection, you can get for your home, that includes getting flood insurance. Call us at Outdoor Insurance Services in Houston, TX to get started.

     

RV Power Outlets and RV Park Insurance

Posted on by admin

RV owners in Houston, TX, are eager to get away from town and have fun in nature. Most visit an RV park at least three times annually. A considerable margin of RV owners prefers private campgrounds for camping. RV park and campground owners are at complex risks from the environment, visitors, or employees. Protecting your RV park, campsite, and amenities requires a critical risk-management strategy. Among the extras on RV Park are RV Power Outlets that need to be protected against unforeseen occurrences.

Outdoor Insurance Services is trusted by many business owners and entrepreneurs in Houston, TX with insurance packages to mitigate against losses accrued to their unique requirements. RV park insurance is accustomed to protecting against costs related to damage to property due to bad weather or any bodily injury and property damage on business premises. For example, visitors to the RV power outlets get injured or property damaged.

A comprehensive policy package for RV power outlets, as well as RV parks in general, may include:

  • Insurance against commercial crime– protection against theft by workers. Fraud or forgery, robbery, and all losses from fraudulent deeds.
  • Commercial general liability– daily risks that may occur in the presence of third parties, such as property damage and bodily injury. This offers protection against medical fees or legal expenses resulting from a lawsuit.
  • Mitigation against product liability– this covers liabilities associated with third-party bodily injury or property damage resulting from products you produce, sell, distribute or rent.
  • Equipment breakdown liability– This covers replacing or repairing professional tools and equipment on site, such as RV power outlets that get damaged or broken due to electric or mechanical issues. However, external causes such as floods or fires are not mitigated.
  • Insurance against Cyber liability– Customer personal or financial data in your system must be protected. This cover mitigates risks related to electronic issues, such as cyber-attacks on stored customer files.
  • Commercial property insurance– This protects your company and its contents against perils you may not have control over, like theft, flood, or fire. It may also protect your establishment against employee wages, overhead costs, and loss due to the temporary closure of your business.

Several factors, such as; business size, location, type of business, and amenities available, affect the cost of RV park insurance cover. The type of covers one needs and their limits also affect how much you might need to pay for protection. Reach us or visit our office at Outdoor Insurance Services for more information and lifesaving covers in Houston, TX, which will leave you and your business risk-free.

How Can I Help My Community Recover After A Hurricane?

Posted on by admin

Natural disasters can have a devastating effect on communities. When a hurricane or other major storms hit, the damage can be extensive, and it can take months or even years for the community to recover. If you want to help your community recover after a natural disaster, there are several things you can do. In this blog post, we’ll discuss ways you can help your community rebuild after a hurricane or storm.

1. Donate Money to Relief Efforts

One of the best ways you can help your community recover from a natural disaster is donating money to relief efforts. Many organizations assist communities after a major storm; your donation can help them provide much-needed resources.

2. Volunteer Your Time

Another great way to help your community recover after a natural disaster is by volunteering your time. Many organizations need volunteers to help clean up and rebuild; your time can make a big difference.

3. Donate Supplies

If you have any supplies that could be used to help with the recovery effort, such as food, water, or clothing, consider donating them to a local organization. Many organizations need supplies after a major storm; your donation can help them get the necessary resources.

4. Spread the Word

If you know of any resources that could be helpful to those affected by a natural disaster, share them with your friends and family. Many people need assistance after a major storm, and spreading the word about available resources can help them get the help they need.

Conclusion

If you want to help your community recover after a natural disaster, there are several things you can do. You can make a big difference in the recovery effort by donating money, volunteering your time, or donating supplies.

You can help those who need them most by spreading the word about available resources. So if you’re looking for ways to help your community recover, consider one of these options. Outdoor Insurance Services in Houston, TX is here to help you.