Holiday Season Electrical Safety Tips

It's a wonderful time of year with Christmas right around the corner.  The holidays are a time well spent with family and friends around the Christmas tree or a warm fireplace.  Many of us will bring out our decorations from storage and ready to hang them up in...

Business Security During Holiday Season

The holiday season has arrived and most non-retail employers close up shop.  Many of us will then enjoy our time with family and friends.  But unfortunately with all of its cheer, holidays also bring hazards and risks.  There are increases in fire resulting from space...

Small Business Cyber Insurance

Recently we have seen data breaches and cyber-attacks happen to many of the largest companies in the country.  Small businesses and their employees are also vulnerable to data breaches.  Even though the threats are the same as what larger companies face small business...

Defining Umbrella Insurance Coverage

Umbrella insurance is a form of liability insurance that supplements your basic liability policies that protect you from major claims and lawsuits. Umbrella policies provide a broader form of coverage when claims are filed on bodily injury and property damage.  There...

Certificate of Liability Insurance

Commercial insurance protects your business from claims of bodily injury, medical costs and property damage.  General Liability coverage protects your business in the event of an accident or injury occurring on your property leading to a suit filed against you. A...

Business General Liability Coverage

General Liability coverage will protect your business from claims brought against your business for property damage, bodily injury and/or product and advertising injury.  For example, if a customer slips on your property injuries suffered could result in medical...

Commercial Property Insurance Protects Your Business

Business commercial property insurance protects your business of financial losses resulting from a natural disaster or fire.  Whether you own or lease a building or you work from home commercial property insurance covers your business' assets.  Property insurance is...

Why Should I Purchase Commercial Auto Insurance?

If you use your vehicles to transport or conduct work-related errands for your business consider purchasing commercial auto insurance.  Your personal auto policy excludes certain business usage and vehicle types. Commercial auto policies offer physical damage and...

Commercial Insurance For My Business Size

Many of us start a business right from home and rely on our homeowner's insurance policies to provide coverage for our business.  While your policy covers your home, business related files, equipment and operations are not covered.  Using your home to operate a...

Business Flood Insurance, Do I Need It?

The State of Texas has seen its share of devastation when it comes to hurricanes and damage left behind.  Unfortunately living near the coastline, hurricanes are natural disasters that could mean trouble for many of our businesses.  We have commercial property...

Insurance Claims Payment Process Post Hurricane Harvey

It has been a month since Hurricane Harvey flooded the streets of Houston and surrounding areas devastating so many communities.  At this point you have already taken the first steps to filing a claim and beginning the recovery process.  You made temporary...

Avoid Purchasing Flood Damaged Vehicles

We have seen thousands and thousands of flood damaged vehicles caused by Hurricane Harvey on the news.  Many of the vehicles flooded in Houston and the surrounding areas will end up in junkyards.  Other flooded vehicles could end up on the used car market in states...

Flood Cleanup After Hurricane Harvey

Many in the city are getting back to some form of normalcy but for others the hard work just begins.  If your home was submerged in water it is now time to start flood clean up to prevent mold growth.  Get friends, neighbors and family members to help you begin this...

Hiring Contractors For Flood Repairs

Prayers go out to all the families in Houston and communities affected by Hurricane Harvey.  Know that your community, friends and businesses are here to support you in such a time where having a helping hand means so much.  We are here as a company to assist you in...

Filing an Insurance Claim after Hurricane Harvey

On Saturday, the city of Houston was pounded with torrential rains from Hurricane Harvey as it touched down in Rockport, Texas. With the rains not stopping for a few more days many of us are trying to figure out what is next.  And the next step will be filing an...

Back to School Safety Tips for the Family to Follow

The start of a new school year is finally here and it is time to speak to your child about back to school safety tips.  And it is also important for us to go over these tips when driving through school zones.  These safety tips will protect your child while walking or...

Taking Control of Your Personal Finances

As we grow mentors, teachers and our parents teach us very important lessons that we are able to use now in our adult lives.  These lessons will help to form our behavior and morals to apply to our daily lives.  Did you know that these same lessons can be applied to...

Why Should I Plan for Long-Term Care?

Many of us are preparing financially for when we retire.  You have been saving up and even opened an Individual Retirement Account (IRA) to keep track of your finances.  But what if you become ill later in life and need assistance with everyday activities such as...

Is Buying Life Insurance My Priority?

Buying life insurance is a priority if you want an assurance that your family will be financially stable after your passing.  Benefits received from a life insurance policy can play a vital part in your family's well-being.  We all find shopping for the right...

Should I Consider Disability Income Insurance?

Are you prepared if you become disabled because of an illness or injury?  Or does it become a serious financial situation for you and your loved ones?  Many individuals do not have disability income insurance or emergency savings to last your family for...

What is The Difference Between Leasing or Buying a Vehicle?

Owning a vehicle allows you some form of flexibility in your lifestyle.  You have the freedom to come and go.  Take road trips with your family making new memories together.  Having a vehicle lets you create and manage your own schedule on your own terms.  You...

Texas Has Approved A Ban On Texting While Driving

Earlier this summer, the Texas Senate passed a bill banning texting while driving statewide.  Insurance companies supported this measure as the change in culture would save lives on the road.  The new law holds teens and adults accountable for their actions in hopes...

Preventing Identity Theft When Traveling

It’s the summer, your kids are out of school and the family is ready for the vacation you have planned for months.  We look forward to time away from stresses of everyday life and a chance to create memories with family.  Unfortunately, relaxing means letting your...

Preparing an Evacuation Plan

In the event of a disaster, do you know what you need to do to get your family out safely? With only a few minutes to gather your family and most important papers, are you prepared?  Do you know where to go?  Taking the time to prepare an evacuation plan to ensure you...

Protecting Yourself in the Event of a Flood

Summer months are always the best time of the year as you can enjoy your days at the pool or a sandy beach.  But it is also the time period when disaster such as hurricanes and flooding can occur.  Always listening to any weather advisors sent by local officials as...

Pool Safety for the Summer Months

Many of us enjoy the summer months in a swimming pool under the sun relaxing the days away. But just as we enjoy spending our time swimming we must do it safely.  That is why rules are put in place to keep adults and children safe around a pool.  For children, pool...

Purchasing Motorcycle Insurance

It’s barely mid-week but you’re already thinking about driving down to the beach this weekend on your new motorcycle.  Before you drive off on your motorcycle are you properly insured? Do you even have motorcycle insurance? Your safety should be your top...

Keeping Inventory of Your Home

With hurricane season approaching now is the best time to prepare your family and your home. Inspecting your roof and removing debris are tasks that can prevent greater damage to your home.  Creating an emergency plan with your family to know where to go in case of a...

Insurance Coverage and Safety for Boats

One of the best activities to do during the summer is taking a boat ride out to sea or a fishing trip.  Before heading out make sure your boat is clean, equipped and maintained.  Most importantly your boat should be insured to protect it along with your passengers on...

Protecting Yourself from Identity Theft

As a new parent, I find it so much easier to shop online for any necessities than travel with twins to a department store.  Or trying to find a parking spot over the weekend at the mall.  Shopping online is very convenient but we risk getting our personal information...

Do You Need An Extension To File Taxes?

We are at the final days before the April 18th tax deadline and you have not gathered all information needed to complete your tax return.  Now you are wondering what you can do to not get penalized for not filing your return on time.  The Internal Revenue Service...

IRS Authorized Private Collection Agencies

This spring, the Internal Revenue Service (IRS) is partnering with private collection agencies authorized to collect federal taxes owed.  Congress enacted in 2015 a private debt collection program authorizing contractors to collect tax payments on the government’s...

Payment Options For Individuals Owing Taxes

As you recall from previous posts the usual tax deadline of April 15th was extended this year until Tuesday, April 18, 2017.  This gives all Americans an additional weekend to get their paperwork in order and file their returns.  Taxpayers owing taxes can now choose...

Proposed Plan To Change The Affordable Care Act

A top priority for the new administration was to propose a plan changing the Affordable Care Act.  Many taxpayers believed that new changes would remove the penalty for not carrying health coverage.  The IRS informed taxpayers that they must still carry insurance as...

Executive Order Amending The Affordable Care Act

President Trump’s first order of business included an executive order exercising his authority to amend the Affordable Care Act (ACA). President Trump’s executive order allows the Department of Health and Human Services discretion on “certain aspects of the Affordable...

Why Did I Receive A Notice Letter From The IRS?

It has been a few weeks since you filed you income tax return.  And you have yet to receive your refund.  You contact your tax preparer even checked the IRS website for any information.  You see a message regarding your return stating that it is still being processed...

What Is Behind A Large Tax Refund?

You have filed your 2016 taxes with your tax preparer and are expecting a large tax refund.  You may think that you are getting back free money but that is generally not the case.  The IRS reports that for tax year 2015 the average tax refund was of $2,860.  Many...

When Will I Get My Tax Refund?

You may be wondering when to expect your tax refund now that you have filed your return.  The Internal Revenue Service (IRS) aims to have refunds completed for many taxpayers within 21 days.  However, as stated earlier this year there will be some tax returns that...

Consumer Awareness Regarding Tax Scams

Individuals lose large amounts of money to IRS agent impersonators by sharing personal information through tax scams and fake IRS communication.  Keep in mind that the IRS will never contact you by email, text message or social media requesting personal information. ...

Theft of Your Identity During Tax Season

The Internal Revenue Service (IRS), states and tax industry have created new security features to protect you from tax-related identity theft.  Tax-related identity theft involves someone stealing your social security number to file a tax return.  Such filing becomes...

What Documents Does My Tax Preparer Need?

Tax season is finally here and you are ready to file. But do you know exactly what information you need to bring to your tax preparer?  Getting organized and having all needed documents for many can be the most difficult step when filing their tax return.  Use this...

Filing Updates For 2017 Income Tax Returns

As your tax preparers we are standing by to assist you when filing your 2017 income tax.  There is new information for taxpayers to be aware of when filing their 2017 income tax returns.  The Internal Revenue Service (IRS) is asking taxpayers to review and keep in...

Seeing Your New Year’s Resolutions Through

Happy New Year! Did you plan a New Year’s resolutions?  I along with many others probably added to our resolution again to exercise, stop smoking or learn a new language.  Come February though we get too busy to continue taking that language course or going to the...