Yes, hunters can get insurance protection

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Outdoor Insurance Services is here to protect the sportsmen in our area with insurance designed for their unique needs and requirements. If you are a hunter or landowner in the greater Houston, TX metro area, give us a call today. We can help you protect yourself from liability during hunting season.

Why hunting insurance is such a good idea

Hunting is a pastime that does carry some risks. Because participants are armed, there is always a chance that someone could be injured due to a mistake or mishap. The same is also true when it comes to property damage. There is a lot that could go wrong, so it only makes sense to protect yourself and your family’s financial interests. 

And, if you lease your land out to hunters, having them sign waivers may not be sufficient. In some cases, having a waiver may not protect you and your assets from liability if someone is injured or killed on your property. With the availability of hunting insurance, it makes sense to have this protection in place before hunting season!

Hunters and landowners can significantly benefit from having hunting insurance in place. If you want to find out more about the available options in our area, now is a great time to reach out. Our team is here to help you enjoy hunting while minimizing your risk of personal liability.

Want to find out more? Give us a call today.

Hunting enthusiasts in the greater Houston, TX area can rely on Outdoor Insurance Services for their insurance protection needs. Please find out more about how to protect your assets from liability by giving us a call today. We look forward to seeing you soon!

Is Term Life Insurance Best for Me?

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As the name implies, term life insurance is a policy that provides coverage for a specific period – usually between 10 and 30 years. If, during that time, the policyholder passes away, then any beneficiaries are entitled to receive the totality of the policy’s payout. 

Outside of term life insurance, the other most popular type of coverage is whole life which lasts your entire life – assuming that the policy premiums continue to be paid. Unlike term life insurance, a whole life policy also includes a cash value where a portion of your premium cost is invested with the sum growing on a tax-deferred basis and available to withdrawal in a hardship. 

Since term life insurance only covers the policyholder for a specific period and does not contain a cash benefit, it is less expensive than whole life insurance. Benefits offered with a term life insurance policy include the following:

  • Lower premium costs
  • Flexible coverage timelines
  • Guaranteed death benefit
  • Accelerated death benefit

When determining how much coverage to purchase, you’ll want to consider your current and future expenditures. For example, you’ll want to purchase a term life insurance policy with a high enough death benefit to pay off your debt obligations such as a mortgage or student loans. In addition, if you are funding college savings accounts for your kids or other large purchases, then opt for a premium that will provide enough coverage to pay for that. 

At Outdoor Insurance Services in Houston, TX, our dedicated team of insurance professionals can answer all your questions and help you decide if a term life insurance policy is right for you. Give us a call today to schedule a no-obligation appointment to learn more. 

Insurance Tips for RV Park Owners And Operators

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The majority of RV park owners and operators in Houston, TX probably do not wake up in the middle of the night with insurance on their minds. However, as any business owner will tell you, proper insurance coverage is essential for all businesses, regardless of size.

If something goes wrong at a campground that you own or operate, you will want to know that you have professionals on your side who understand the varied and unique needs of your business. Outdoor Insurance Services is here to help you find the protection that you need to keep your investment safe.

Types of Insurance Available for RV Park Owners and Operators

There is so much that can go wrong at any given time at an RV park. There are just so many risks involved. You really need to make sure you are properly covered. However, there are several options available and if you do not understand them all, it can be difficult to know which is right for you.

Common options for RV Park owners and operators in Houston, TX include:

  • Workers’ compensation insurance
  • Employment practices liability insurance
  • Loss of income insurance
  • Non-owned and hired auto liability
  • Umbrella insurance
  • Flood insurance
  • Discrimination
  • Transmissible pathogens
  • Sexual abuse/molestation
  • Crisis management
  • Emergency evacuation

In addition, there are other types of coverage options to consider. The list is somewhat massive. For this reason, it is a good idea to have an insurance agent on your side that can help guide you in the right direction to ensure that you have the right amount of coverage to protect your business when the worth happens.

If you are interested in learning even more tips for RV park owners and operators, we encourage you to contact Outdoor Insurance Services for more information. Give us a call today.

Should I Purchase Home Insurance in Houston, TX?

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Owning a home is a beautiful thing. However, many expenses come with homeownership. One and the most important one is purchasing home insurance. Locking your home and installing security cameras doesn’t guarantee safety because some risks are beyond your control. That’s why home insurance comes in handy for all homeowners.

While it is natural to ask whether purchasing home insurance in Houston, TX is necessary. There are several reasons why it’s a crucial protection tool for your home. Outdoor Insurance Services understands your questions and has prepared for you reasons why you should purchase home insurance. Let’s explore. 

It protects your assets

If you are like many, your home is the most valuable asset. Unfortunately, one unthinkable event can occur and leave you vulnerable without home insurance. Home insurance covers the cost of repairing or rebuilding your home in the event of a covered hazard.

Protects you against liability

Accidents do happen, and if a third-party member gets injured in the confines of your property, your home insurance steps in to pay for the resulting damage. Home insurance covers hospital bills or lawsuits if you get sued.

Protects your personal belongings

Besides covering the structure, home insurance protects your personal belongings. Your belongings like ornaments, furniture, clothing, and electronic appliances are what makes a house a home. You want to have your belongings safeguarded in case of an unfortunate event, and that’s what home insurance will do for you.

Compensates for temporary living expenses

If a covered peril damages your home, making it unlivable, home insurance will put you in a temporary place as the repairs or rebuilding is ongoing. 

Home insurance in Houston TX

There you have it. Purchasing home insurance is a no-brainer if you value your assets. To get the right coverage that protects you fully, talk to your insurer. For those in Houston, TX and its environs, be sure to contact Outdoor Insurance Services for an affordable quote.

What is the Benefit of Having RV Park Owners / Operators Insurance in Texas?

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Those that are in the Houston, TX area likely know that there are many active people in the area that enjoy outdoor activities. This can include camping and exploring the area in an RV. Due to this, there is a continued demand for RV parks in the area. This can make owning and operating an RV a good idea. Along with this, you should get RV owners and operations insurance as it offers several benefits.

Liability Protection

One of the advantages of having RV owners and operations insurance is that it will give you liability support. Whenever you own any type of business, including an RV park, there is always a chance that you could be held liable for an accident. If you get the right insurance for it, you can offset this risk with proper liability coverage.

Cover Park Assets

You also should get RV owners and operations insurance to cover your park assets. There are various assets that you will need to invest in like an RV park owner or operator. Losing these could be detrimental to your business moving forward. If you have the right insurance in place, you are going to have coverage if these assets are stolen or damaged and need replacement. 

If you are an owner or manager of an RV park in the Houston, TX area, you will need to make sure that you get the right insurance for it. When you are looking for this type of coverage, it would be helpful for you to call Outdoor Insurance Services. There are many choices to make when looking for this unique coverage and Outdoor Insurance Services can help you build a plan that will protect you and your RV park. 

What You Need to Know About Craft Breweries Insurance and Its Protection

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If you own a craft brewery, it’s important to have it insured, and to get the best insurance coverage for your investment; you need to understand what it involves. Brewery insurance is complicated, but with the right insurer, you are guaranteed a good policy. Outdoor Insurance Services in Houston, TX, offers Craft Breweries Insurance for business owners.

What Does Craft Breweries Insurance Cover?

A standard brewery insurance policy has four components. It offers coverages for general liability, liquor liability, miscellaneous coverage, and property coverage.

General liability coverage is just like basic liability insurance as it protects you from any legal accountability for things that happen on the property or any business-related interactions.

Property coverage is the most common to most brewery owners. This coverage protects the building, the tasting bar up front, and the equipment used for brewing. In case your equipment breaks down, this coverage also includes Boiler and Machinery coverage.

Liquor liability is essential coverage for all craft breweries. As the majority of the breweries serve their liquor on-site, this coverage protects you from and responsibility for accidents caused by intoxicated clients. In case you are sued for negligence, this coverage pays for legal expenses.

Miscellaneous coverage is an all-inclusive coverage for delivery cars, business auto, Crime, and Fidelity insurance, Excess liability insurance, Cyber Liability Insurance, and Employment Practices Liability Insurance. It comes in handy when you run out of general liability coverage.

Every brewery owner and operator needs to have a craft brewery insurance policy for industry-specific coverage. This form of insurance protects your brewery against unexpected losses and incidents that cause financial losses. Brewery Insurance also offers protection for;

  • Business property coverage
  • Workers’ compensation coverage
  • Equipment breakdown
  • Product contamination
  • Tank collapse and leakage coverage

Depending on the nature and operation of your brewery, you may get additional coverages to complement your Craft Brewery insurance. If you are a brewery owner in Houston, TX looking for an insurance agent to insure your business, Outdoor Insurance Services can help with that.

Why Your Bar Needs a Liquor Liability Insurance Policy

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Restaurants, bars, and various other forms of establishments that sell alcoholic drinks tend to bring together people for fun and entertainment. However, in the event that an incident occurs, you need to ensure that your Houston, TX business is properly protected. You can do this with a liquor liability insurance policy from Outdoor Insurance Services. 

Who Even Needs Liquor Liability Insurance?

If your business makes, serves, or sells alcohol, you need this type of insurance. So, if you own or run a restaurant, bar, nightclub, winery, or distillery, you should seriously consider investing in this type of policy.

With intoxicated patrons, people are more likely to get into fights and get injured. With this type of insurance policy, you won’t need to concern yourself with the legal or financial responsibility of the related consequences.

What Does Liquor Liability Insurance Cover?

This type of insurance covers two primary forms of damages: 1) personal injuries and property damage caused by intoxicated individuals; and 2) the legal costs you’ll be required to pay in order to defend yourself and your establishment against lawsuits that may arise as a result of those incidents.

For instance, if an intoxicated patron stumbles and knocks the phone of a friend onto the ground, your insurance is likely to cover the repairs of that phone as well as any medical expenses that may arise. In addition, liquor liability insurance tends to cover damages caused by battery, sexual adult, and even drunk driving collisions.

What Does Liquor Liability Insurance Not Cover?

Although this is an important insurance policy for your business, it simply won’t cover everything your business will encounter. For instance, if you have individuals in your establishment who are underage and drinking alcohol and end up getting hurt, your policy will not provide coverage for these losses. It is up to you to ensure each customer provides you with a valid ID.

In the event that a customer slips, falls, and breaks a table, your policy will not provide coverage for damage to your own business property. You will simply be responsible for purchasing a brand-new table out of your own pocket. In addition, it won’t cover libel, slander, and the like.

If you have questions about liquor liability insurance or would like to invest in this type of policy to help protect your establishment, contact an agent at Outdoor Insurance Services. Serving the Houston, TX area, our insurance company can help your liquor establishment obtain the insurance coverage it needs to operate with a little bit of peace of mind.

What protection does restaurant insurance provide?

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Owning a small business is risky. Restaurants are particularly vulnerable to the many vagaries out there. Having commercial insurance offers a layer of protection that makes it more difficult for things to cause your business to fail. At Outdoor Insurance Services in Houston, TX, we aspire to be the insurance agency you turn to when you want the best service and insurance products. No matter what you need, we want to be there for you. 

Like most commercial insurance, restaurant insurance is designed to cover the risks that your particular business may face. One of the primary types of commercial insurance that almost every business can benefit from is liability insurance. Liability insurance protects small businesses from lawsuits brought against them. Restaurants are vulnerable on a bunch of different fronts. It can be a slip and fall accident, food poisoning, employment practices and if you serve alcohol, that makes you even more vulnerable. 

Commercial property insurance is also very much something that a  restaurant needs to worry about. You can’t produce food if any of your equipment is damaged. You also can lose power when a covered hazard hits and the food that you have in your fridge and freezer may be lost. Fire is a particular hazard for restaurants and can damage not only the kitchen but the dining area. 

Business interruption insurance is also something that a restaurant can count on to help survive something like a fire or the damage from a tornado. If you aren’t selling any meals, it is hard to pay rent, bills, and payroll. Business interruption insurance can give you the boost you need when times are rough. Bills and payroll don’t stop just because your income has dried up. 

Contact Outdoor Insurance Services in Houston, TX with all your commercial restaurant insurance needs.

How Can I Benefit From Flood Insurance?

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Floods cause vast amounts of damage in the United States, and Houston, TX is one of those areas that gets hit by major flooding affecting the people staying there. Most people assume that home insurance covers floods, but once they learn that is not the case, they become devastated. To avoid these disappointments, you should consider getting flood insurance. There are many ways it will benefit you and your home, and as Outdoor Insurance Services explains, some of those benefits are as follows.

Protect Your Property

Picture how much your home costs. A home is one of the most expensive assets that anyone has, with a value of thousands of dollars. Even a little bit of water getting inside can cause unimaginable damage, setting you back financially. However, this is something you will not have to worry about if you have flood insurance as damages are covered.

Gives You Peace of Mind

People living in flood-prone areas are always worried about the loss they will suffer if there is flooding. Even the slightest hint from the weatherman that a storm is approaching might give you sleepless nights. However, instead of the constant worry, you can purchase flood insurance and rest easy knowing that even if your home floods, you will be compensated for the loss you go through.

Protect Your Loved Ones

Your home is a safe place for your family members. Imagine if your home was affected by floods today. Do you have a backup plan for where you and your loved one will go? There is also the process of rebuilding that might take time, especially if you lack the finances. Flood insurance should be your backup plan, where you will be able to recover fast and keep your loved ones safe.

Residents of  Houston, TX, who want to enjoy these benefits and many others can contact Outdoor Insurance Services for assistance. Our agents will help ensure you can minimize the effects of floods in your home.

Debunking Myths on RV Insurance in Texas

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When you are purchasing RV parks insurance, it can be a confusing job. With so many classes of motorhomes, needs for your RV, and even varying requirements for your own unique RV lifestyle, RV insurance can feel mind boggling.

At Outdoor Insurance Services, we’ve been serving The Woodlands, TX community with their RV parks insurance for years. We can help you to design the policy that you need.
Before you choose an RV parks insurance policy, we debunk the most common RV insurance myths.

Motorhomes and RVs are Covered by Your Auto Insurance

If your RV has a motor and you drive it, you will need to have insurance on it. It will be designed like an auto insurance policy, but it is your RV insurance policy. Still, this policy does not cover everything in the RV, or accessories such as satellite dishes. 

RV Insurance Covers Contents and Property

This is not necessarily a myth, because it really depends on what kind of RV or motorhome you have, and even what you use it for. If you are using RV insurance for RV parks and you spend a lot of time there, you’re going to have that included in your policy.
 
This gets confusing because sometimes people have their RVs parked at home, and their homeowner’s insurance can cover some property in the RV. It won’t cover things like plumbing, and furniture, that is what your RV insurance would cover.

In a park, you’ll need more thorough coverage for more complete coverage.

Your Current Roadside Assistance Plan Covers RV Parks

It might, it might not. You want to check the fine print before you make the trip and change your RV insurance policy accordingly. A lot of RV insurance policies will have Roadside Assistance, and you may even have your own plan like AAA.

However, your AAA or another roadside plan will have stipulations such as how long a trailer or motorhome they might cover. You may not know that until you need assistance, and that’s going to be a bad time to find that out.

Build an RV Insurance Policy

You want to look forward to your RV parks adventure this year, and next year, and you should. Build an RV parks insurance policy that will provide every coverage that you need. At Outdoor Insurance Services we want The Woodlands, TX community to have all of the RV coverage that they need. Call us for a quote today.