Texas is the only state in the U.S. that doesn’t require business owners to purchase worker’s compensation insurance. However, there are several reasons why every Colleyville, TX business owner should seriously consider buying this form of coverage.

It May be Required

Any Texas-based business that contracts with a federal government entity must purchase worker’s compensation insurance. Furthermore, you may have to buy this coverage if you work with large contractors that require subcontractors to have this type of insurance.

It Can Help You Find and Keep Employees

You’re legally required to post notices in your office and inform current and potential new employees that you don’t offer worker’s compensation insurance. Failure to offer this coverage won’t work in your favor if you have (or are trying to hire) employees with specialized skills.

It Protects You if a Worker Has an Accident

If a worker has an accident and you don’t have worker’s compensation insurance, you can be sued for medical bills, damages, and lost wages. You could also face a wrongful death lawsuit if the injured worker dies. On the other hand, businesses with worker’s compensation insurance don’t have to worry about these expenses. They’re all covered under the insurance policy.

Contact Jason Ridley Agency for More Information

Jason Ridley Agency helps Colleyville, TX, business owners find and buy insurance coverage that meets their needs without breaking their budget. We also offer personalized help and advice to make selecting the best policy or policy bundle easy. Contact us for more information, a policy quote, or to start the process of buying insurance for your business.

For most people, their homes are their biggest investment. Getting the right insurance can help minimize losses from weather, accidents, and other events. Changing conditions can often affect whether you have the right insurance. A periodic review of your home insurance needs can help avoid expensive repair costs. At Jason Ridley Agency in Colleyville, TX, we can help you get the insurance you need to protect your home investment.

New Development Changes the Landscape of Your Neighborhood

Many areas of the country are experiencing a boom in new construction, and although this offers a great deal of new housing for residents, it can also mean changes in the landscape of your neighborhood. New construction can alter land elevation, and it often removes established vegetation that helps stabilize the soil. This alteration can mean unexpected flooding when heavy rains in the spring and summer occur. And that can lead to damage to your home and expensive repairs to restore your property.

How A Changing Landscape Can Affect Your Insurance Needs

Your home insurance covers flooding that originates from inside your house. It does not cover flooding that can come from outside the house or from flash flooding over ground that recent developments have altered. To cover this type of flood damage, you need a flood insurance policy, which your insurance agent can help you acquire.

Choose Jason Ridley Agency For Your Home Insurance Coverage

Our experienced agents in Colleyville, TX, can answer your questions regarding home insurance so you can be confident you have the coverage you need. We offer many insurance products for home, auto, motorcycle, RV, renters, flood coverage, and commercial policies. Contact Jason Ridley Agency today for a no-obligation quote on home insurance that protects your finances against expensive losses.