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What protection does restaurant insurance provide?

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Owning a small business is risky. Restaurants are particularly vulnerable to the many vagaries out there. Having commercial insurance offers a layer of protection that makes it more difficult for things to cause your business to fail. At Outdoor Insurance Services in Houston, TX, we aspire to be the insurance agency you turn to when you want the best service and insurance products. No matter what you need, we want to be there for you. 

Like most commercial insurance, restaurant insurance is designed to cover the risks that your particular business may face. One of the primary types of commercial insurance that almost every business can benefit from is liability insurance. Liability insurance protects small businesses from lawsuits brought against them. Restaurants are vulnerable on a bunch of different fronts. It can be a slip and fall accident, food poisoning, employment practices and if you serve alcohol, that makes you even more vulnerable. 

Commercial property insurance is also very much something that a  restaurant needs to worry about. You can’t produce food if any of your equipment is damaged. You also can lose power when a covered hazard hits and the food that you have in your fridge and freezer may be lost. Fire is a particular hazard for restaurants and can damage not only the kitchen but the dining area. 

Business interruption insurance is also something that a restaurant can count on to help survive something like a fire or the damage from a tornado. If you aren’t selling any meals, it is hard to pay rent, bills, and payroll. Business interruption insurance can give you the boost you need when times are rough. Bills and payroll don’t stop just because your income has dried up. 

Contact Outdoor Insurance Services in Houston, TX with all your commercial restaurant insurance needs.

How Can I Benefit From Flood Insurance?

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Floods cause vast amounts of damage in the United States, and Houston, TX is one of those areas that gets hit by major flooding affecting the people staying there. Most people assume that home insurance covers floods, but once they learn that is not the case, they become devastated. To avoid these disappointments, you should consider getting flood insurance. There are many ways it will benefit you and your home, and as Outdoor Insurance Services explains, some of those benefits are as follows.

Protect Your Property

Picture how much your home costs. A home is one of the most expensive assets that anyone has, with a value of thousands of dollars. Even a little bit of water getting inside can cause unimaginable damage, setting you back financially. However, this is something you will not have to worry about if you have flood insurance as damages are covered.

Gives You Peace of Mind

People living in flood-prone areas are always worried about the loss they will suffer if there is flooding. Even the slightest hint from the weatherman that a storm is approaching might give you sleepless nights. However, instead of the constant worry, you can purchase flood insurance and rest easy knowing that even if your home floods, you will be compensated for the loss you go through.

Protect Your Loved Ones

Your home is a safe place for your family members. Imagine if your home was affected by floods today. Do you have a backup plan for where you and your loved one will go? There is also the process of rebuilding that might take time, especially if you lack the finances. Flood insurance should be your backup plan, where you will be able to recover fast and keep your loved ones safe.

Residents of  Houston, TX, who want to enjoy these benefits and many others can contact Outdoor Insurance Services for assistance. Our agents will help ensure you can minimize the effects of floods in your home.

Debunking Myths on RV Insurance in Texas

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When you are purchasing RV parks insurance, it can be a confusing job. With so many classes of motorhomes, needs for your RV, and even varying requirements for your own unique RV lifestyle, RV insurance can feel mind boggling.

At Outdoor Insurance Services, we’ve been serving The Woodlands, TX community with their RV parks insurance for years. We can help you to design the policy that you need.
Before you choose an RV parks insurance policy, we debunk the most common RV insurance myths.

Motorhomes and RVs are Covered by Your Auto Insurance

If your RV has a motor and you drive it, you will need to have insurance on it. It will be designed like an auto insurance policy, but it is your RV insurance policy. Still, this policy does not cover everything in the RV, or accessories such as satellite dishes. 

RV Insurance Covers Contents and Property

This is not necessarily a myth, because it really depends on what kind of RV or motorhome you have, and even what you use it for. If you are using RV insurance for RV parks and you spend a lot of time there, you’re going to have that included in your policy.
 
This gets confusing because sometimes people have their RVs parked at home, and their homeowner’s insurance can cover some property in the RV. It won’t cover things like plumbing, and furniture, that is what your RV insurance would cover.

In a park, you’ll need more thorough coverage for more complete coverage.

Your Current Roadside Assistance Plan Covers RV Parks

It might, it might not. You want to check the fine print before you make the trip and change your RV insurance policy accordingly. A lot of RV insurance policies will have Roadside Assistance, and you may even have your own plan like AAA.

However, your AAA or another roadside plan will have stipulations such as how long a trailer or motorhome they might cover. You may not know that until you need assistance, and that’s going to be a bad time to find that out.

Build an RV Insurance Policy

You want to look forward to your RV parks adventure this year, and next year, and you should. Build an RV parks insurance policy that will provide every coverage that you need. At Outdoor Insurance Services we want The Woodlands, TX community to have all of the RV coverage that they need. Call us for a quote today.

Home Insurance Add-ons To Consider

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Home insurance protects you against many perils, including theft, fire, vandalism, and so forth. Unfortunately, just like other coverages, home insurance isn’t entirely perfect- it has limitations and exclusions. For this reason, you need add-ons (endorsements) to boost your home insurance coverage. 

If you are in The Woodlands, TX, and would like to get the most out of your home insurance policy, Outdoor Insurance Services shares add-ons to consider for your home insurance coverage.

Flood damage

Typical home insurance doesn’t protect your home against natural water flooding. If you live in a flood-prone area, you need to invest in flood insurance to protect your home against flooding that can cause costly damages.  

Umbrella insurance

Umbrella insurance provides extra protection when your home insurance liability coverage runs out. For instance, if someone falls off your balcony and sustains severe head injuries, umbrella insurance can help cover medical costs and possible lawsuits when your liability coverage is exhausted.

Jewelry and valuables coverage

While your home insurance protects your high-value items like art, jewelry, and fur, the protection is limited. As such, you need to consider a rider to protect your high-value items from perils like theft and fire. 

Underground services line

If damage occurs from the underground utility lines on your property, home insurance doesn’t cover you. That said, you need an endorsement to protect you when tree roots or over-age service lines cave in and cause damage to your home. 

Earthquake coverage

Without an earthquake endorsement, you may have to incur out-of-pocket expenses to repair your home and remove debris when an earthquake strikes. If your house is located in an earthquake-prone area, you need this endorsement for optimal protection. 

Home insurance in The Woodlands, TX

Would you like to boost your home insurance plan with additional riders? Please contact Outdoor Insurance Services for an affordable quote.

4 Risks of Driving Without Auto Insurance

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While auto insurance is a vital investment to have, can you imagine there are motorists in The Woodlands, TX, and other parts of America that drive without insurance? You are considered to be at the default of auto insurance if you drive without the state-required coverage or drive with none at all. While it sounds unbelievable that one can go without insurance, it happens, but the consequences are dire. Here is a rundown of the risks you incur by not purchasing auto insurance.

Be prepared to pay heavy fines and penalties 

When you fail to buy auto insurance from Outdoor Insurance Services in Texas, you will pay between $175 and $350 if you are a first offender. If you are caught with the same offense again, fines can be anywhere between $350 and $1,000. Additional penalties include license revocation and vehicle impoundment. Why would you go through this, whereas the average cost of auto insurance is close to the penalties you pay for driving without coverage?

Incur financial losses

Perhaps, this is the most common reason why you should carry auto insurance. Comprehensive and collision coverages pay for damages to your car, deterring you from financing car repairs from your pocket. Additionally, the liability coverage shields you from paying damages caused to other motorists. Without auto insurance, you are expected to cater for your damages and those you cause to other persons from your finances.

Exposure to liability claims

Auto insurance shields you from legal suits for accidents you are deemed liable. When you fail to carry auto insurance, you may have to finance legal costs, settlement claims, and other liability claims from your pocket. 

No peace of mind

While you can’t prevent accidents 100 percent, auto insurance provides you with peace of mind while driving. However, without auto insurance, you keep worrying about the eventualities of an auto accident — your ride is never calm and relaxed.

Buy car insurance today!

Are you looking for auto insurance in Woodlands, TX? Please contact Outdoor Insurance Services for an affordable quote.

3 Tips for Purchasing Hunting Insurance

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Hunting can be a dangerous sport. While most hunters take safety courses and know basic safety protocols, inherent dangers must be considered and planned for. One of the best ways to plan for these is by purchasing hunting insurance from Outdoor Insurance Services.

However, when purchasing this coverage in The Woodlands, TX, you may need a few tips to get proper coverage for your needs. Keep reading to learn what these tips are.

1. Know What You Need

When purchasing hunting insurance, knowing the type and amount of coverage you need is a must. Take some time to figure out what level of coverage is adequate and why you may need more or less than the recommended minimums.

2. Compare the Options

Before purchasing hunting insurance, it is good to compare policies from the top two to three providers. Remember, it is never a good idea to go with the lowest price. Before choosing, compare the quotes, what is covered, what isn’t covered, and deductibles. In some cases, the best policy will be the one offered at the lowest price, but this is not always the case.

3. Work with the Professionals

Any time you need insurance, working with a professional in the industry can be beneficial for anything, including hunting insurance. This individual will help you determine what you need and help you find a policy for an affordable price.

When it comes to hunting insurance, there are many factors to consider. Finding the right policy is something that takes time and effort but is well worth it in the long run. For help making this purchase, consult with the team at Outdoor Insurance Services. This company serves those in and around The Woodlands, TX, area. Having proper insurance coverage can protect you and others who are hunting.

Let’s Talk About Life Insurance

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If you find it awkward or uncomfortable to talk about life insurance we can help you at Outdoor Insurance Services serving The Woodlands, TX. We know that in order to make the best insurance choices, sometimes you need to have important, challenging conversations. This is definitely the case when it comes to life insurance. Keep reading to learn more about this important insurance product.

Why Is Life Insurance Challenging?

The topic of life insurance is challenging for some people because in order to discuss life insurance you must also discuss death. People generally like to avoid this subject if they can. However, when it comes to the topic of life insurance, this is a very important conversation to have. If you find it difficult to discuss this topic, our team of life insurance professionals can help. 

How Does Life Insurance Work?

Life insurance is an insurance product which you purchase and invest in so that your loved ones will be provided for financially upon your passing. This life insurance benefit amount on your policy will be paid to your beneficiaries when you die. This benefit amount can be used to pay for your final expenses and to help your loved ones financially when your income is no longer present. 

How Much Life Insurance Do I Need?

People often ask this question. There are many different factors that determine how much life insurance you will need. The best way to determine this amount will be to sit down with our representatives. Our knowledgeable staff will be able to help you best answer this question based on your family’s unique situation. 

If you would like to learn more about life insurance, or any of our other insurance products, please contact us at Outdoor Insurance Services serving The Woodlands, TX.

Why should I get distilleries insurance?

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The popularity of distilleries and related establishments has continued to increase all over the country. Those that run distilleries can be quite successful selling their products and serving customers. If you are in this industry, it is important that you have proper insurance. There are a few reasons why someone will need to have distilleries insurance in The Woodlands, TX. 

Insurance Will Protect Assets

A distillery will need to invest in a lot of hard assets to grow its business. Some of the assets that you will need can include equipment, inventory and furniture, and fixtures. If you were to lose these assets to a fire, it could be devastating. Fortunately, you can offset this risk with a distilleries insurance plan. When you get distilleries insurance, it will give coverage that can be used to repair or replace these core assets of your business. 

Liability Insurance Protection

You should get a distilleries insurance plan as it can also provide you with liability insurance protection. When you operate a distillery, there will always be some liability risk associated with producing the final product and selling it to customers. When you invest in a distilleries insurance plan you can build a policy that will give the coverage necessary to mitigate this risk. 

When you are looking for distilleries insurance to protect your The Woodlands, TX area business, it is important that you speak with someone that you can trust. The team with Outdoor Insurance Services understands the value that comes with distilleries insurance. Outdoor Insurance Services will be able to help you build a plan that properly protects your business from liability risk and covers all of the assets that your distillery owns. They are able to do this by assessing your particular needs and building a plan accordingly. 

Why do I need to carry wineries insurance

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Wineries are a unique niche in the business world. All businesses have particular needs and risks and wineries are no exception. Having the correct insurance to mitigate as much as possible those risks is important. At Outdoor Insurance Services in The Woodlands, TX, we have expertise in a variety of insurance services. Protecting businesses and business owners is one aspect we take pride in. We strive to provide our clients with the most appropriate insurance for their particular business. 

As a vintner, you are all too aware of the many hazards that your business and crop are exposed to. The amount of precipitation can affect your grapes adversely whether it is too much rain or too little rain. Many things that affect your bottom line are beyond your control but with the right insurance, you can protect your business and survive to succeed another day. 

Property insurance

A winery has the equipment to produce and store wine. A failure in this machinery can result in spoiled wine and a major loss. Barrels can fail and result in lost product. Texas is prone to tornados and damage to the building, vines and your entire operation are possible. Specialized property insurance can make sure that all aspects of your business are protected. 

Liability

If you have a tasting room or have guests on your property you are liable to be sued if someone is injured. All businesses are vulnerable to being sued and having enough liability insurance can protect your assets. 

Business interruption 

Things happen and when your business can’t function because of a covered hazard.  You need the funds to keep your bills current, your employees paid, and your own paycheck coming in. 

At Outdoor Insurance Services in The Woodlands, TX, we are experienced in putting together winery commercial insurance packages to protect your business. Give us a call to make an appointment to discuss this important insurance. 

How Much Home Insurance Do I Need?

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Choosing proper home insurance is not easy, especially because you have to make sure that it will pay for rebuilding your house, replacing your belongings, and defraying the costs if you are unable to live in your house. Outdoor Insurance Services serving clients from The Woodlands, TX has prepared a brief guide for you on how to decide how much home insurance coverage you need: 

How Much Home Insurance Should I Get?

The first and most important thing you need to understand when purchasing home insurance is that there is no one-size-fits-all policy. In order to figure out how much home insurance you need, you should estimate how high costs would be in the situations where your property or personal belongings are damaged, destroyed, or stolen. In order to make sure that you have enough insurance, you need to figure out how much home insurance you will need in four different areas: 

  • Home. That depends on how much it will cost to rebuild your home from scratch. You can always ask a local construction company and a contractor to calculate the costs for you. 
  • Personal belongings. They include furniture, clothing, appliances, electronics, and jewelry. To make sure you are not underinsured, you should create an inventory list. 
  • Liability protection. It covers the costs of a lawsuit if someone is injured on your property and then decides to sue you. You need to calculate your assets (investments, savings, and property) and get more liability protection than the minimum, which is usually $100,000. 
  • Additional living expenses. They are expenses that you may have if your home becomes uninhabitable and you need to move somewhere temporarily. It is recommended to talk to your agent to decide how much exactly you need. 

It is not easy to choose the right insurance and decide on how much home insurance you need because there is a risk of being underinsured. Outdoor Insurance Services serving clients from The Woodlands, TX is ready to help choose the right policy and proper coverage. Do not hesitate to give us a call and talk to one of our agents.