What Types of Commercial Insurance do you Need to Sell Items Online?

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Selling items online instead of in a store or at a marketplace can decrease your expenses and, in turn, increase profits. You won’t need to pay for utilities or the cost of storing the goods you’re selling. Nonetheless, you’ll still need to cover certain forms of insurance to protect your business and personal assets.

Commercial Insurance for Online Vendors

Colleyville, TX business owners who sell items on Amazon need to purchase commercial liability insurance for their goods. This is a mandatory Amazon requirement, irrespective of whether you manufacture or source the items from a third party. Other platforms, like eBay and Etsy, do not enforce an insurance requirement. However, Texas law mandates all online vendors who use a vehicle to transport goods to and from a fulfillment center to purchase commercial auto insurance. This insurance also applies if you employ a full or part-time employee to drive a car for business purposes.

Additionally, you may find value in considering other forms of insurance to safeguard yourself and your assets. For example, if you sell items on your site and collect buyers’ financial information, cyber insurance will guard you against threats like hackers. If you have business products or assets stored at home, you may want to consider commercial property insurance, as home or renter’s insurance does not cover commercial assets.

Get Expert Insurance Assistance from the Jason Ridley Agency

The insurance agents at the Jason Ridley Agency in Colleyville, TX bring more than a century’s worth of combined industry experience to the table. We offer various policy options to accommodate the needs of any online vendor and are eager to help you find the best policy for your business. Get in touch to discover more or to obtain a policy quote.

Protecting Your Garden with Home Insurance

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Your garden is an integral part of your home, but did you know your home insurance policy can also protect it? While home insurance primarily covers the structure of your house and its contents, it can also extend coverage to your garden and outdoor belongings under certain circumstances in and around the Colleyville, TX region.

Coverage for Garden Damage

Home insurance typically covers damage to your garden caused by fire, lightning, vandalism, or theft. This coverage may include reimbursement for repairing or replacing damaged plants, trees, shrubs, and landscaping features within your garden.

Additional Living Expenses

Suppose you lose your home to a disaster such as a fire and must relocate temporarily. In that case, your home insurance policy may also include coverage for additional living expenses. This could encompass the cost of renting a property with a garden or reimbursing you for expenses related to maintaining a garden while you are displaced.

Liability Protection

Home insurance also typically includes liability protection, extending to your garden. Suppose a visitor to your property is injured while in your garden and holds you liable. In that case, your home insurance policy may cover fees from the medical expenses associated with a liability claim.

Coverage Limits and Exclusions

Reviewing your home insurance policy to be aware of all exclusions related to your garden is essential. Your insurance provider can help you with this. Some policies may limit the coverage available for garden damage, while others may exclude coverage for certain types of plants or landscaping features. Each circumstance varies.  

Let Jason Ridley Agency Give You Information

Jason Ridley Agency is here to assist you with all your home insurance queries and requirements. We’re dedicated to serving the Colleyville, TX region. Reach out to us today. 

Do You Need Comprehensive Insurance if You Own an Older Vehicle?

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Jason Ridley Agency has been providing auto insurance services in Colleyville, TX, for many years now. Our clients rely on our professionalism and insight, making us your first choice if you want trustworthy car insurance. We have an experienced and knowledgeable group of professionals who are always on standby to help you choose the very best coverage that works for you. 

Customer satisfaction and industry knowledge are our first priority, and we aim to serve our customers with the best insurance coverage possible. Count on Jason Ridley Agency to protect your assets and ensure you get peace of mind today and forever on your journey to success.

Auto Insurance Coverage

When you weigh the pros and cons of getting full coverage for an old automobile, you need to look into the cost and the benefits. In order to have protection from serious damage unrelated to a collision, such as theft, vandalism, fire, or storms, one must consider the vehicle’s value when choosing the appropriate coverage. 

When you communicate with an insurance official like the one with the Jason Ridley Agency in the Colleyville area, it allows you to see if comprehensive coverage is worth the money you spend in the case of a claim. Decision variables like the present market price of your existing car, financial circumstances, and risk comfort zone must be assessed. In essence, the choice of whether to purchase complete coverage for your older car ought to be a thorough assessment of factors like the situation you are in and professional advice from experts.

Find Out More About Auto Insurance Near Colleyville, TX

The Jason Ridley Agency stands out for its ability to provide the residents of Colleyville, TX, with uncompromising insight and experience when looking for insurance. By calling our professional and highly experienced team, you can be assured of receiving the best services and recommendations from our considerable expertise.

Contact us now without hesitation, and we will show you how our team of professionals can deliver exceptional results. What makes the Jason Ridley Agency stand out from the rest in the business is our dedication to bringing the clients the best and most valued support and the newest knowledge in the field.

When should a Texas business start looking for a commercial insurance plan?

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In recent years, business owners all over the Colleyville, TX area have benefited from the strong economy and growing population. Because of this, starting a company here could be a great idea. Whether you are beginning a new business or own an existing one, ensuring you have the right insurance is important. There are various situations when a business should start looking for a new commercial insurance plan. 

When Making Business Changes

One of the situations when you will want to look for a new commercial insurance plan is when you are making business changes. If you are starting a new business, you should ensure you have insurance in place as soon as possible. If you want to expand, offer new services, or start providing service to a different type of customer, you should evaluate your insurance needs and possibly get into a new plan. 

When Needs and Requirements Change

No two businesses are going to have the same commercial insurance needs. As your business evolves, your needs and requirements could change as well. If you enter into a new lease, take out a new loan, sign different vendor contracts, or make other vital decisions, you could be obligated to get a different type of coverage, and evaluating your needs is important. 

If you are a business owner or manager and are in Colleyville, TX, you will always want to know that you are adequately insured. One of the best ways to do this is to start your search by calling our team at the Jason Ridley Agency. Our team at the Jason Ridley Agency can help a business assess its insurance needs and then build a plan that protects your organization and keeps you in compliance with any requirements. 

Does Living in an Area With New Development Increase Your Need For Flood Insurance?

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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.

Reasons why you should review your life insurance

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Your need for life insurance will not always be the same. It will ebb and flow as your life changes. At Jason Ridley Agency in Colleyville, TX, we understand that your needs change over time, and we are here to help you review the coverage you currently have and help determine if it is adequate to meet your needs today and into the future. 

You are changing employment.

A job change is one of the main reasons you need to review your life insurance coverage. You can carry your life insurance after you leave your employment, but you need to consider whether it is a good value or if you could find a similar policy on your own with a smaller premium. 

You are getting married.

You need to review your life insurance when you get married. You may want to change your beneficiary to provide for your spouse. You may also want to consider the amount of life insurance you have to determine if it is adequate to protect your new husband or wife. 

You are having children.

Nothing changes your life more than children; you want them to have a safe and secure life even if something should happen to you. A good review of your life insurance coverage and any necessary adjustments must be done to ensure your children’s future is secure. 

You are retiring

As you prepare for retirement, a review of your life insurance can help you determine if you need to maintain the same amount of coverage that you had. 

Give the agents at Jason Ridley Agency in Colleyville, TX a call to discuss your life insurance needs. We can answer your questions and make suggestions about how to achieve your life insurance goals.

If You’re Intoxicated, Is Your Auto Insurance Invalidated?

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With the help of Jason Ridley Agency, you can drive safely in Colleyville, TX, and avoid serious problems. However, if you’re drinking and driving or using drugs, it isn’t easy to know what to expect. Will you be protected if you’re intoxicated and get into a car accident while driving?

Your Policy Must Pay Third-Party Expenses 

First, your intoxication will not void any third-party payments your policy needs to make. For instance, if you caused the accident due to being drunk, your policy must pay the liability coverage. They may try to sue you for compensation, but they must legally pay it.

Any other problems you cause when you’re drinking must be paid for by your policy. For example, if someone in your vehicle who is sober gets hurt, your insurance will pay for their recovery. But when it comes to your needs, you will be very disappointed.

You Will Lose Protection for Yourself

While your policy is legally required to cover any third-party damages your crash might cause, your personal protection is limited. According to federal law, if you’re found to be over the limit for alcohol or abused drugs while driving, your coverage is likely severely limited or even voided.

For example, if you get into a crash when you’re drunk, and you normally have medical payment protection for yourself, you might not get that protection. It’s important to understand what kind of limitations your insurer built into your policies to make sure that you’re safe. 

Give Us The Help That You Need

With the help of our team at Jason Ridley Agency, you can keep yourself safe when driving in Colleyville, TX. We strongly suggest you avoid drinking or doing drugs entirely to keep yourself safe on the road. There’s not much we can do for you if you get caught breaking the law in this way.

Types of commercial insurance most businesses benefit from

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A successful business takes a lot of hard work and enormous risks. Having commercial insurance can help to mitigate some of the risks that threaten your business. At Jason Ridley Agency in Colleyville, TX, we understand business risks and will determine the type of commercial insurance that is right for your business. We are an independent insurance agency, and we work for our clients. 

Types of commercial insurance

Commercial Property Insurance

Commercial property insurance is about not only protecting the physical building where you do business, but it also covers the content of that building and the things you need to conduct your business. It is the equivalent of home property and content insurance combined. The actual things it covers depend on the type of business you have. If you own a store, it covers the inventory, display units, electronics, and everything you use to make your business work. For a plumber, it could be tools, pipes, fixtures, etc. This is valuable coverage even if you don’t own the building itself. 

Commercial Liability Insurance

The single biggest risk that businesses of all types face is being sued. If there is a judgment against you, it could mean the end of your business if you don’t have commercial liability insurance. Commercial liability will pay the judgment up to the limit of your policy and also legal expenses.  

Commercial Auto Insurance

If your business owns a vehicle or vehicles, they need to be insured with commercial auto insurance. Your personal auto insurance will not cover you for business use, and that could leave you in a very risky situation if you have an accident while out on business. 

Workers Compensation Insurance

Texas doesn’t require workers’ compensation insurance, but that does not take away your requirement to pay employees injured on the job. 

Consult With Us

Contact our team at Jason Ridley Agency in Colleyville, TX to discuss your commercial insurance needs. 

Creating and storing a home inventory

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Most people have no idea of the number of possessions that they actually have. Chances are that if you had to write down what you own, the list would be much shorter than the reality. If your home is damaged or destroyed, you will need to provide the insurance company with a list of what needs to be replaced. Having this already done in detail will save you a lot of anxiety in an already stressful situation. At Jason Ridley Agency in Colleyville, TX, we will be there with you through any claims that you have. 

Creating and storing a home inventory

Get together a pad, a pen, and your phone or camera, you will want to take pictures of all your rooms from as many angles as possible. Pick a room and start writing down everything that is in it. Look up and down, open any closets or drawers, and write down everything you see in as much detail as possible. For electronics write down the model number and manufacturer. If you have sales slips, receipts, or appraisals, attach them to your inventory. 

Take your time and do every room in your home. Don’t forget your attic, linen closet, and basement. You should also include the garage and any sheds that you might have. Once your inventory is complete, you need to find a way to keep it safe so that you can use it if you ever need to. If you have a safe deposit box, that is ideal. You should try not to keep it in your home. But if you must keep it at home, put it in a waterproof fire-resilient container.  Place a copy on the cloud if possible. 

We Are Here To Help

Call the Jason Ridley Agency in Colleyville, TX and let our team help you get the right home insurance and answer any questions you have. 

How Whole Life Insurance Works

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When you need life insurance, there are two main types to choose from. One of these is term life insurance, and the other is called whole life insurance. Whole life comes with its own pros and cons. It’s a popular type of life insurance because it has so many great benefits. When you want to leave something behind for your beneficiaries, you can call us at Jason Ridley Agency in Colleyville, TX to find out more about these policies. 

Whole Life

The name of this policy type indicates that it’s good for your whole life. It never expires no matter what age you reach. If you were to get a term policy instead, this type would expire on a certain date. But with a whole life policy, you never have to worry about that as long as you continue paying your premiums. The policy can’t be canceled as long as you keep paying for it. This is a major benefit of this type of life insurance. However, there is also another big benefit that brings people to this life insurance type. 

Cash Value

As you continue to pay the premiums, the insurance company invests those premiums in order to make a profit. With a whole life policy, a small percentage of those profits are put into a cash value for the policy. This amount is there for you to borrow if you ever have a financial need. Many policyholders get peace of mind from this cash value because they know they’ll have access to it in case of a financial emergency. 

Get Whole Life Insurance

It’s always a good idea to have life insurance, and whole life is a good choice for many people. FI you’re interested in whole life, just call us at Jason Ridley Agency in Colleyville, TX.