Is Worker’s Comp Insurance Mandatory in Texas?

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If you’re thinking about starting a business in Coppell, TX, deciding whether to get worker’s compensation insurance for your company is a crucial consideration. While the state doesn’t mandate private employers to have a worker’s comp policy, certain operations may necessitate carrying a policy. The Select Insurance Agency can assist in determining whether you should purchase a worker’s compensation policy to safeguard your company.

Who Needs Worker’s Compensation Insurance?

Private employers contracting with government bodies must provide workers’ compensation insurance for those working on government-related projects. If you have government contracts, you may need your subcontractors to carry worker’s comp policies to protect your companies. Worker’s compensation policies do not cover employees from injuries caused by extreme weather events like hurricanes and tropical storms unless their jobs involve significant exposure to such events. However, having worker’s comp insurance protects you against lawsuits from workers injured on the job.

What If My Business Doesn’t Have a Worker’s Comp Policy?

Even though Texas law doesn’t require most companies to have a worker’s comp policy, having one is beneficial. These policies offer substantial protection, preventing employees from suing you if injured while performing their duties. Without it, you lose the ability to argue in court that an employee’s negligence caused the injury or another employee was responsible for the accident. You also can’t argue that an employee knew about dangers and accepted them.

Worker’s compensation provides benefits that far outweigh the premiums paid, including funding medical treatments and death benefits if a worker is killed on the job.

Learn more about how a worker’s compensation insurance policy can protect your business. Contact the experts at The Select Insurance Agency, serving Coppell, TX, to get started on coverage.

Does the Trailer You’re Towing Need RV Insurance?

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If you’re in the Coppell, TX area and own a trailer, ensuring it’s adequately insured is crucial. At The Select Insurance Agency, we can help you secure the RV insurance or other policy you need to protect yourself and others. Here’s what you need to know about whether your trailer requires an RV policy.

The Type of Trailer You Own Matters

The kind of trailer you own significantly impacts the insurance coverage you need. For instance, an open trailer used for hauling items like a lawnmower doesn’t require an RV policy. However, if you own a travel trailer used for camping and other activities, you’ll need an RV policy to cover it. The difference lies in how you use the trailer and its contents, including any modifications you’ve made.

Working with an Agent is Crucial

Working with a dedicated agent is essential to ensure you have the right level of coverage and the appropriate policy for your needs. When you come to us, we can provide you with quotes from multiple insurers and discuss policy differences, enabling you to choose the right RV coverage for your trailer. This way, you can travel and tow with confidence.

The Right Policy for Peace of Mind

Contact us today at The Select Insurance Agency if you’re in the Coppell, TX area and looking for RV insurance for your trailer. Even if you’re unsure whether you need it, it’s always wise to consult with professionals to ensure you have adequate protection. Our trusted agents are here to help you secure robust coverage and enhance your peace of mind.

Is Toy Insurance the Right Option for Your Motorized Toys?

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Regardless of age, our fascination with toys never seems to fade. As we transition from childhood to adulthood, our toys evolve, becoming larger and more expensive versions of our childhood favorites. The toy motorcycles and ATVs we push around as kids are replaced with the real ones we drive as adults. The dolls we played with became valuable collector’s items. This enduring love for toys is why many people in and around Coppell, TX, trust the experienced team at The Select Insurance Agency to help protect their toys and toy collections.

Is Toy Insurance the Right Choice for Your Adult Toys?

Our affection for toys doesn’t diminish with age; our playthings become more costly, valuable, and worth protecting. Adult toys often come with adult-sized price tags, making them expensive to replace or repair and, therefore, worth insuring. Additionally, some toys increase in value over time and become popular among collectors, further warranting insurance consideration. Toy insurance is designed for these situations and could be the right choice for you and your toys. Contact us to learn more and schedule an appointment with our friendly and knowledgeable team at The Select Insurance Agency. Get the protection you and your toys need and deserve today.

How Often Should You Update Your Home Insurance Policy?

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Homeowners take great pride in their homes, investing significant effort, time, and resources to maintain their beauty and safety. This commitment is one of the many reasons why homeowners rely on home insurance solutions for protection. Many homeowners in the Coppell, TX area trust the reliable and friendly team at The Select Insurance Agency for their home insurance needs. However, a crucial question arises: how often should homeowners reassess their home insurance needs and policies?

How Frequently Should Homeowners Review and Update Their Policies?

While some homeowners review their home insurance paperwork annually, others do so every decade or more. So, what’s the ideal frequency? Reviewing and updating your home insurance policy every two to three years is advisable. Changes in housing rates, supplies, and other factors can impact your policy. In some cases, these changes could lead to savings, or they might necessitate additional coverage due to market and industry fluctuations. Fortunately, working with a reputable and professional agent can help you navigate these changes and ensure your home remains protected.

Home Insurance Solutions for Homeowners in the Coppell, TX Area

If you live in the greater Coppell, TX area and have questions about or need home insurance, we can assist. At The Select Insurance Agency, we are here to answer your questions, provide solutions, and help you keep your home covered. Contact us to learn more and schedule an appointment for the home insurance solutions you need and deserve at The Select Insurance Agency today.

Auto Insurance is for Everything You Can’t Plan for on the Road

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People drive for various reasons and at different frequencies. The road can be unpredictable regardless of how often or how far you drive. This unpredictability is why many drivers in Coppell, TX, rely on the professional, friendly, and experienced team at The Select Insurance Agency for their auto insurance needs.

Auto Insurance: Your Shield Against Unforeseen Road Events

Good and cautious drivers often plan and prepare for factors like weather conditions and expected traffic delays. However, the inherent risk of driving is that you can’t foresee or prevent everything that might happen on the road. Fortunately, auto insurance exists to provide a safety net for these unexpected events and accidents. At The Select Insurance Agency, we offer the protection drivers need to navigate the uncertainties of today’s roads confidently.

Auto Insurance Solutions for Drivers in the Coppell, TX Area

If you live and drive in or around Coppell, TX, and need insurance or have questions about auto insurance coverage, we are here to help. Driving is a necessity for many, and auto insurance provides the peace of mind and protection they deserve. Contact us to learn more and schedule an appointment for the auto insurance solutions you need at The Select Insurance Agency today.

Umbrella Insurance for the Protection Your Standard Policy Doesn’t Offer

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Insurance serves different purposes for different people. For some, it provides peace of mind, while for others, it offers assistance when they need it most. Regardless, the protection that insurance offers can make a significant difference. That’s why people in and around Coppell, TX, rely on the experienced and friendly team at The Select Insurance Agency for their umbrella insurance solutions. Sometimes, accidents and unexpected events demand a little more coverage.

Umbrella Insurance: Extra Coverage for Unforeseen Circumstances

A standard home or auto insurance policy is usually sufficient in the event of an accident or fire. However, accidents are unpredictable; sometimes, the damages and costs can exceed your standard policy limits. This is where umbrella insurance can help. It provides the extra protection that your standard policies don’t typically offer. If you want that little extra, that can mean a lot more, and umbrella insurance could be the solution.

Exploring Umbrella Insurance Options in Coppell, TX

If you live in or around Coppell, TX, and have questions or want to learn more about how umbrella insurance could benefit you, we can help. At The Select Insurance Agency, we take the time to evaluate and assess your policies for any potential areas where umbrella insurance could strengthen your coverage. Contact us to find out more and schedule an appointment for the umbrella insurance solutions you need and deserve at The Select Insurance Agency today.

Do You Need a Medical Exam to Get Term Life Insurance?

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Life insurance is a policy that pays a benefit to your beneficiaries upon your death. Many types of life insurance require a medical exam, which usually includes a basic physical exam and a questionnaire. However, if you prefer to avoid a medical exam for term life insurance, the professionals at The Select Insurance Agency, servicing Coppell, TX, can assist. We collaborate with insurance carriers that offer term life insurance and can help you find the right policy for your needs.

Is a Medical Exam Always Necessary for Life Insurance?

A medical exam is not always mandatory for life insurance. No-exam life insurance is available, but it comes with trade-offs. These life insurance policies are often more expensive than policies requiring an exam, and the payouts may be lower. If you prioritize getting life insurance and wish to avoid a medical exam, discuss policies that do not require medical exams with your insurance agent.

Why Opt for Life Insurance Without a Medical Exam?

People choose this type of policy for various reasons. Some fear doctors, while others find life insurance without a medical exam more convenient.

Looking for No-Medical Exam Life Insurance? We Can Assist

At The Select Insurance Agency, servicing Coppell, TX, we can help you find the best life insurance policy for your needs. We can assist you in finding term life insurance, whole life insurance, universal life insurance, and other types of life insurance. Call today to start shopping for your policy.

3 Reasons to Put a Fence Around Your Commercial Property

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As a business owner, you are responsible for ensuring your commercial property is safe, and your employees have a conducive working environment. If you own a larger property that isn’t shared with another business, there are three reasons to consider installing a fence around it.

1. Enhancing Safety

One of the primary benefits of adding a fence to your commercial property is its enhanced safety. A commercial fence can deter unwanted guests, thereby ensuring the safety of your employees. From a liability standpoint, this also reduces the chances of accidents or injuries on your property as you can manage who’s coming in and out of the area.

2. Protecting Privacy

A fence can help keep your operations secure and private. A privacy fence protecting your area could deter burglars looking for an easy target. It also prevents competitors from observing your operations, offering you competitive privacy. Additionally, it secures any equipment and products stored on-site, reducing the risk of theft.

3. Improving Aesthetics

Maintaining a neat and clean commercial property is beneficial for any business owner. A commercial fence clearly establishes boundaries and signals to the public that the area is associated with your business. It also enhances the property’s appearance, making it look cleaner and more maintained. Businesses that maintain aesthetically pleasing properties are likely to attract more customers as they appear responsible and accountable.

If you’re a business owner in the Coppell, TX area or surrounding communities, feel free to reach out to The Select Insurance Agency. Our team is happy to help you establish a quote for your commercial insurance needs.

Workers’ Compensation and Mental Health: What’s Covered and Why It Matters

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Navigating the complexities of workers’ compensation, especially when it comes to mental health, can be challenging. At The Select Insurance Agency in Coppell, TX, we believe understanding these aspects is crucial for both employers and employees.

Deciphering Texas Workers’ Compensation Coverage

Workers’ compensation is designed to support employees who suffer work-related injuries or illnesses financially. While traditionally focused on physical injuries, mental health conditions such as stress, anxiety, and depression are increasingly recognized as significant factors affecting workplace productivity and employee well-being.

The Importance of Mental Health in Texas

Mental health issues can stem from various work-related situations, including excessive stress, workplace harassment, or traumatic events experienced on the job. Recognizing these as legitimate claims ensures a healthier work environment and promotes recovery. When employees feel supported, they are more likely to return to work sooner, benefiting both the individual and the company.

Understanding Coverage

Coverage for mental health under workers’ compensation varies by state, but generally, it requires proof that the mental health condition is directly related to work. This might involve demonstrating that the work environment significantly contributed to the condition. Both employers and employees must meticulously document incidents to support any claims. Clear communication between all parties can greatly aid in the process, ensuring a smoother and more effective claims experience.

Start Today

Employers should foster a supportive work environment and encourage open discussions about mental health. Providing resources and training can help identify potential issues before they escalate. If you have questions or need guidance on workers’ compensation and mental health coverage, contact The Select Insurance Agency, serving the area around Coppell, TX. We’re here to help you navigate these complex issues with confidence.

What Kind of Collectibles Does Toy Insurance Cover?

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Do you have a collection of items such as Barbie dolls, Teenage Mutant Ninja Turtles, or vintage comic books in Coppell, TX? If so, you could be sitting on a treasure chest worth thousands of dollars. Yet, many people fail to assess the value of their collectibles until adversity strikes appropriately. The Select Insurance Agency can guide you on how best to protect your valuable possessions.

Collectible Insurance: Protecting More Than Just Toys

Collectible insurance covers an extensive range of items. This includes all varieties of toys, dolls, train sets, collectibles and comic books, sports memorabilia, military items and medals, stamps, coins, and vintage cameras. Essentially, any vintage item with monetary worth qualifies. Other typically insured items under a collectible policy include fine art, furs, wines, rugs, and tapestries. In summary, if an item forms part of a collection, it’s likely to be covered under collectors’ insurance.

How Does This Policy Protect My Toys?

Policies tailored to toys and other collectibles provide coverage in a wide assortment of scenarios. Each policy provider offers varying degrees of coverage, but some common elements exist. Most policies will safeguard your toys regardless of whether you’re at home or traveling. Typical situations that would be covered include:

  • Travel – Protection for your collectibles when you’re away from home
  • Exhibitions – If you’re at a covered event, your collectibles will be insured up to the specified limit
  • Storage – Coverage for when your items are stored in an offsite public storage facility
  • Natural disasters – Covers damage resulting from storms and similar events
  • Burglary and theft – Protection from theft perpetrated by burglars

For residents of Coppell, TX, with extensive collections of toys and other valuable items, we at The Select Insurance Agency can assist you in determining your coverage requirements. Contact us today to initiate a quote and discover your toy insurance options.

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