How Workers’ Comp Differs from Other Types of Employee Benefits

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When people hear the phrase “employee benefits,” their minds often jump to health insurance, paid vacations, or retirement plans. However, there’s one critical benefit that plays a very different role—workers’ compensation. At The Select Insurance Agency in Coppell, TX, we specialize in helping businesses understand and secure this essential type of coverage.

Workers’ Compensation: A Safety Net for Workplace Injuries

Unlike general health insurance, which covers medical needs regardless of where or how they occur, workers’ compensation is specifically designed to address injuries or illnesses caused by work. Whether it’s a slip in the warehouse or repetitive strain from typing all day, if the job caused it, workers’ comp is there to help.

Workers’ compensation provides coverage for medical expenses, rehabilitation costs, and even a portion of lost wages while the employee recovers. In more serious cases, it may also offer long-term disability or survivor benefits. Importantly, it also protects employers by reducing the risk of costly lawsuits stemming from workplace incidents.

What Makes Workers’ Compensation Unique?

What sets workers’ compensation apart is its legal nature. In most states, it’s not optional—employers are required to carry workers’ comp insurance. Unlike health or dental benefits, employees don’t pay into it; the employer fully funds it as a safeguard for everyone involved.

This benefit also kicks in only under specific conditions, unlike broader benefits that are used more routinely. Its purpose is focused solely on workplace-related injuries and illnesses, making it a unique and vital form of coverage.

Protect Your Business and Your Team

If you’re a business owner navigating your responsibilities or want to ensure you’re fully protected, The Select Insurance Agency in Coppell, TX is here to guide you. Let us help you protect your team and your business with confidence. Contact us today to learn more about workers’ compensation insurance and how it can safeguard your company.

Information for Workers’ Compensation Benefit Non-Subscribers

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If you’re a Texas business owner, purchasing commercial insurance is essential. Many business owners have questions about their insurance options. If your business is located near Coppell, TX, our team at The Select Insurance Agency invites you to call us to get your questions answered. We have been providing services for businesses like yours since 2004.

Understanding Workers’ Compensation for Non-Subscribers

One type of commercial insurance your business should consider is workers’ compensation insurance. This coverage provides benefits for employees who are injured on the job. However, according to the Texas Department of Insurance, it is legal for businesses in Texas to decline to offer workers’ compensation insurance to their employees. When this occurs, an injured employee must prove that their injury was caused by their employer’s negligence in order to seek compensation.

Businesses that choose to become non-subscribers must notify the Texas Department of Workers’ Compensation between February 1 and April 30 of each calendar year. Workplace injuries must still be reported to the Department. Additionally, if you decline to offer workers’ compensation insurance, you are required to post a public notice in your workplace stating that workers’ compensation benefits will not be provided. According to the Texas Department of Insurance, this notice must be printed in English, Spanish, and any other applicable language relevant to your workplace.

Contact Us Today for Assistance

There are several types of required commercial insurance, and you don’t want to miss out on any options that can protect your business. Our team at The Select Insurance Agency can help you understand and select the right insurance solutions for your company. Businesses in the Coppell, TX area trust us for reliable client support. Call us today to schedule an appointment, and let’s discuss your insurance needs.

What to Know Before Heading out in Your RV for the First Time

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Congratulations on your new recreational vehicle! You’re probably eager to hit the road and start your adventure. However, before you set off, planning and preparing are crucial. Creating a checklist of essentials and double-checking it before departure will ensure a smooth and enjoyable journey.

Essential Preparations

An RV adventure doesn’t require a lot of fancy equipment. For your first trip, it’s recommended to bring wheel chocks, leveling blocks, a roadside emergency kit, a basic tool kit, a first aid kit, a surge protector, a sewer hose, a freshwater hose (don’t mix these two up!), tank treatment chemicals, and an in-line water filter and pressure regulator. Once you’re on the road, take it slow. This reduces the risk of accidents and allows you to appreciate your surroundings fully. Remember, your tires are crucial to your journey. Ensure they can handle your load capacity, monitor their pressure and temperature, and don’t forget the spare. Knowing the height and length of your RV is also important, as some parks have size regulations, and it’s crucial information when navigating tunnels or overpasses. Save money by finding free (and legal!) places to spend the night. Plan your route, but also have a backup plan. Assign responsibilities to everyone in the group. And don’t forget to bring a camera!

The Select Insurance Agency – A Reliable Insurance Agency in Coppell, TX

If you’re in the Coppell, TX, area and need RV insurance, please contact The Select Insurance Agency. We’re here to help.

What Vehicles Are Covered by Toy Insurance in Texas?

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Toy insurance is a specific type of coverage designed for vehicles that aren’t cars, boats, or recreational vehicles. It covers a wide range of vehicles often used for leisure activities, such as golf carts. Agents at The Select Insurance Agency can help you determine if you need this type of insurance.

Vehicles Covered by Toy Insurance

Toy insurance covers a broad range of vehicles, including, but not limited to:

  • Jet skis
  • Snowmobiles
  • All-terrain vehicles, like four-wheelers
  • Golf carts
  • Some motorcycles

Some policies also cover recreational vehicles and campers, but this depends on your policy and the insurance company you work with. Boats and other large items may be covered under toy insurance in Coppell, TX. However, toy insurance usually offers lower coverage, so people with boats, motorcycles, and RVs prefer specialized vehicle insurance.

Benefits Of Texas Toy Insurance

Toy insurance remains popular even if it’s not legally required because it helps protect your assets. Owners can file claims if their property is stolen or damaged. Many policies offer coverage for things like theft, damage from natural disasters, and can help if there’s an accident.

Toy insurance policies have varying levels of coverage, just like auto insurance. Owners can get basic liability coverage, which is crucial if the vehicle is driven on the road. In many jurisdictions, owners are required to have liability insurance for any vehicle driven on the road, including snowmobiles, ATVs, and golf carts. You can face harsh penalties if you drive them without proper coverage.

Toy insurance can help protect you so you aren’t stuck with a financial loss if something happens to your new toy. It can also help you meet legal requirements. The agents at The Select Insurance Agency can help you determine if toy insurance will meet your needs. Contact us today for more information. We’re currently serving the Coppell, TX area.

Are Driving Laws Different for Teenagers in Texas?

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If you live and drive in Texas, you are probably well aware that they take the law seriously in the Lone Star state. It’s not that law enforcement and patrol officers are uncaring or strict, it means that they do care and aren’t willing to break the rules. That’s why it’s essential to have insurance if you drive in Texas, and one of the many reasons why Coppell, TX drivers rely on the friendly and professional team at The Select Insurance Agency for the auto insurance solutions they need to stay legal and safe.

Are Driving Laws Different for Teenagers in Texas?

That seriousness about keeping our roads and drivers safe is also reflected in how Texas authorities supervise teenage drivers. One example of this is the type of driver’s license issued to Texas teens. Teenage drivers in Texas get a Texas Provisional License when they pass their driver’s test. Once they reach their eighteenth birthday, they are issued a standard license.

In addition to having a specific type of license, the Texas Provisional License also comes with restrictions, such as passenger limits and prohibiting mobile phone usage. All of these laws, of course, are designed for the safety of our children and all drivers. Keeping our kids safe is also one of the reasons why people in Coppell, TX choose to protect their young drivers with auto insurance solutions from The Select Insurance Agency.

Auto Insurance and Protection for Coppell, TX Area Drivers

Do you live in or around the greater Coppell, TX area? Do you have questions about auto insurance or need coverage for you and your vehicle? We can help. Contact us to learn more and schedule an appointment for the protection and assurance that only auto insurance can offer at The Select Insurance Agency today.

What Happens If a Tree Falls on Your Home? A Look at Insurance Coverage

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A falling tree can cause significant damage to a home, leading to expensive repairs and safety concerns. Storms, high winds, or even tree decay can unexpectedly bring down a tree, affecting your property and disrupting your tranquility. Serving Coppell, TX and the surrounding areas, The Select Insurance Agency simplifies the process of getting the coverage you need to protect against unforeseen events.

Does Homeowners Insurance Cover Tree Damage?

In most cases, homeowners insurance covers tree damage that results from covered perils like storms, strong winds, and lightning. If a tree falls due to natural causes, your policy may pay for repairs.

However, there are exclusions. If the tree was dead, rotting, or poorly maintained, insurance may not cover the damage, as it could be considered negligence. In addition, earthquake or flood-related tree damage may require separate coverage.

What Costs are Typically Covered?

  • Structural Damage – Repairs for your home, shed, or garage.
  • Debris Removal – Coverage for tree removal, though limits may apply.
  • Personal Property Damage – Compensation for damaged belongings inside your home.

What To Do If a Tree Falls on Your Home

1. Ensure Safety – Evacuate if necessary and check for hazards like gas leaks.

2. Document the Damage – Take photos and videos for insurance purposes.

3. Contact Your Insurer – File a claim and follow their instructions.

4. Prevent Future Risks – Trim weak trees and remove dead branches to reduce hazards.

Contact The Select Insurance Agency for Home Insurance

A falling tree can cause serious damage to your home, but homeowners insurance can provide the coverage needed to cover repairs and other expenses. Call our Coppell, TX office today at 972-315-7299 to explore your insurance options.

Whole Term Universal… Don’t Get Lost in the Life Insurance Maze

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Life insurance is a crucial safety net that many people rely on for various reasons. However, selecting the right life insurance plan also involves choosing the appropriate type of policy, which can be confusing. That’s why so many people from the Coppell, TX area trust the professional and friendly team at The Select Insurance Agency for all their life insurance inquiries and concerns.

Navigating the Life Insurance Maze: Term, Whole, Universal

Fortunately, you don’t have to be an insurance expert to secure the right plan and protection for your life. With options such as term life, whole life, universal life, and others, it’s easy to get lost in the maze of life insurance choices. That’s why it’s beneficial to work with experienced and knowledgeable agents, like the team at The Select Insurance Agency, who can help you navigate through it all.

Life Insurance Solutions for Residents in the Coppell, TX Area

If you live in or around the Coppell, TX area and have questions or would like to learn more about life insurance and your options, we can assist. At The Select Insurance Agency, we are here to answer all your life insurance questions and, most importantly, to help you secure the right plan and coverage for your life. Contact us to learn more and schedule an appointment with our friendly and experienced team for the life insurance solutions you need and deserve at The Select Insurance Agency today.

Should I Get Separate Umbrella Policies for My Home and Business?

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If you are a prominent citizen in Coppell, TX, who owns a business and a high-end home, obtaining an umbrella insurance policy to cover your liability risks can help preserve your wealth. However, you might be unsure if you need to purchase two separate policies to cover your risks fully. Policies can vary significantly from one company to another, making the selection process confusing. Consulting with the experts at The Select Insurance Agency can help clarify umbrella policies.

Understanding Umbrella Insurance Policies

Both types of umbrella insurance policies function similarly, serving as an extra layer of liability protection once you’ve exhausted the limits of your primary policy. Commercial umbrella insurance supplements your general liability insurance and is vital for safeguarding your business interests in the event of lawsuits. Personal umbrella insurance provides additional coverage beyond your homeowners and auto insurance policies, protecting you from claims related to property damage, personal injury, and other liabilities.

Contrasting Commercial and Personal Umbrella Policies

While the underlying concept is the same, there are differences between the two types of policies. Commercial policies offer broader coverage to address a variety of business risks that may not be relevant in personal situations. Commercial policies also typically have higher coverage limits due to the increased potential for mishaps and business-related claims.

You can customize your umbrella insurance policies to meet specific needs. Some companies may allow you to combine business and personal coverage under one policy, but ensure that this customization addresses your concerns. Review the provisions carefully to ensure you have adequate protection. If in doubt, consider purchasing separate umbrella policies.

If you’re still uncertain about your umbrella insurance needs, the professionals at The Select Insurance Agency, serving Coppell, TX, can assist. Contact our agents today to schedule an appointment.

Libel and Slander: How Commercial Insurance Protects You

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If you own a small business, it’s essential to take measures to protect it. This is crucial for securing your income stream and defending against developments that could bankrupt you and put you out of business. Most business owners are concerned about issues like personal injury, property damage, and theft. But what about libel and slander? While libel and slander don’t involve intentional damage or physical injury, they can nonetheless harm your business. Let’s examine how commercial insurance can protect you from libel and slander and why you should trust us at The Select Insurance Agency serving Coppell, TX to help you find a reliable commercial insurance policy.

How Commercial Insurance Defends Against Libel and Slander

Libel or slander refers to false statements that damage your business. Commercial insurance can protect you against libel and slander by helping cover the costs of any business interruptions caused by these, assisting in paying any out-of-court settlements and covering the legal fees you incur to defend yourself against libel and slander. It’s important to know that certain conditions need to be met for you to file a claim successfully. Libel or slander must occur while you’re in business and while a commercial insurance policy covers you and must be backed by proof that a false and damaging statement was made (to a third party in a way that was not privileged and confidential) and must have affected your business. If you can prove all this, you can get the support you need from your commercial insurance policy for libel and slander.

Find Commercial Insurance With The Select Insurance Agency

The Select Insurance Agency, serving those in the Coppell, TX area can help you find commercial insurance supporting you when facing libel or slander. Reach out to us today or compare quotes with us now!

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.

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