Homeowners, auto, life, and health insurance are often the most popular insurance plans for people and their families. Additional insurance for excess or umbrella liability may be advantageous. Depending on your activity, other insurance products might be more appropriate. For instance, if you intend to travel, you might also want to consider purchasing kidnap and ransom insurance. You might require commercial coverage, workers’ compensation, and employee benefits if you operate a family office or domestic help. Depending on your circumstances, insurance for investment properties, equestrian pursuits, watercraft, and other types of coverage may also make sense.
Review Your Coverage Limits
One of the most important items to consider when examining your plans is the coverage limit, the highest money your policy can reimburse you for a certain kind of loss. The commercial program is among the most frequent coverage types for businesses.
Think About Your Endorsements and Exclusions
Sure, insurance is insurance. No, and yes. Although there may be numerous similarities amongst policies that provide the same basic sort of coverage, there may also be substantial disparities.
Change Coverage When Necessary To Reflect Changes
You might have recently welcomed a child, refurbished your kitchen, or bought some beautiful art. Perhaps your company has added more employees or increased its service offerings.
Your insurance requirements may have altered as a result of changes in your life or in your business. You can discover that you need to raise your limits, add an endorsement, schedule an item, or secure a new form of coverage.
J.S. Edwards & Sherlock Insurance Agency enjoys a rich heritage dating back over 100 years proudly servicing all of Southeast Texas. A combination of two family-owned agencies built on the values of their founders, the firm is now one of Texas’ leading Independent Insurance Agencies. With offices in Beaumont and Houston J.S. Edwards & Sherlock Insurance Agency offers everything from Commercial Insurance and Personal Lines Coverages to Workers Compensation Plans and Life, Health and Employee Benefits.