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Summer Hours Start Next Week

In an effort to bring you the best possible service, our office will be open for an additional hour Monday through Thursday during the summer. Our office will close at 1pm on Fridays.

A recent workflow analysis concluded that our service requests from clients decrease on Friday afternoons during the summer, and increase during the rest of the week. Our Summer Hours program is designed for us to be there for you when you need us most.

Have a great summer and stay safe!
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www.youtube.com/watch?v=5VcSwejU2D0Surviving an active shooter event. English version. Video Copyright © 2012 City of Houston. ... See MoreSee Less

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We consult our clients on varying risks, and this is the best video we have seen on how to survive an active shooter event.

"My business is an LLC. Aren't my personal assets protected?"

We receive questions like this from clients everyday. While we are not attorneys and we do not provide legal advice, we do help our clients navigate these issues as it relates to their insurance.

The simplest answer: You are always personally responsible for what you do. Whether you are an LLC, Partnership, Corporation, Sole Prop, etc, if you, yourself, wrong someone else they can sue you and you can potentially be held liable, even if your business is incorporated!

So what is this "corporate veil" everyone talks about?

When you have employees or others working on your behalf, you now may be held liable for what they do, even if you yourself have done nothing wrong (google vicarious liability). In these circumstances, incorporating can limit your liability to only the assets of your corporation, thus protecting your personal assets.

The fact is that being in business, whether you are an owner or an employee, involves risk. So what is the solution?

1. Make sure that you purchase adequate insurance and that you personally qualify as an "Insured" on the policy.

2. Verify that your corporate bylaws indemnify you.

3. Be mindful of the risks you engage in and the people you do business with.

4. Pay close attention to any contracts you sign, specifically related to insurance requirements, releases, indemnfication, and hold harmless agreements.

5. Be sure that your insurance advisor is communicating effectively with your attorney and CPA.

And please contact us related to any insurance needs for your organization.
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Personal Insurance

Auto Insurance
• Homeowners Insurance
• Life Insurance
• Health Insurance
• Disability Insurance
• Rental & Vacation Properties
• Umbrella Insurance
• Collector Vehicles
• Boat Insurance
• Motorcycle Insurance
• Recreational Vehicles
• Long Term Care Insurance
 • Medicare

Risk Management 

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Commercial Insurance

• Businessowners Policies
• Commercial Package
• General Liability
• Property Insurance
• Umbrella & Excess Liability
• Commercial Auto 
• Inland Marine
• Professional Liability
Employment Practices 
• Employee Benefits Liability
• Cyber Liability
Directors & Officers 
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• Workers Compensation