Commercial Insurance Required in Texas

When you own a Texas business, there are specific laws about the type of commercial insurance you may require. While the state doesn’t mandate some of the types required in other states, you can get any kind of commercial insurance that you need, even if it isn’t required. If you need commercial insurance in Coppell, TX, you can give us a call at The Select Insurance Agency to find out more. 

Commercial Auto Insurance

This type of insurance is required for your business if it owns a vehicle. All Texas business-owned vehicles must include a few different kinds of coverage in their policies. The state mandates that these policies have to contain property damage liability coverage as well as bodily injury liability coverage. These protections pay for the damage done to someone else’s vehicle and the medical bills incurred by someone else after an accident. This is essential coverage to protect your business from lawsuits and substantial medical bills that it could be liable for. If you have a personal auto insurance policy on a company-owned vehicle, the policy will not likely pay after an accident. 

Workers’ Compensation Option

Unlike most states, Texas does not require its business owners to have workers’ compensation insurance for a company’s employees. But, it’s a good idea to get this insurance anyway. Suppose someone were to have an accident while on the job. Your business would likely be liable for all their medical bills and lost wages. These can be paid to your employee by the policy instead of coming straight from your business. 

Get Commercial Insurance for Your Business

To get the insurance you need in Coppell, TX, call us at The Select Insurance Agency.

Toy Insurance 101: Everything You Need to Know

Do you have children? If so, you know they can be rough on their toys. One day they are playing with them, and the next, they are broken. It’s enough to make any parent want to pull their hair out.

Luckily, there is a solution: toy insurance. What is toy insurance, and how does it work? This piece will discuss everything you need to know about toy insurance to decide if it’s right for you.

What Is Toy Insurance?

Toy insurance covers your expensive toys and fun items and can help you avoid costly repairs or replacement costs. These toys include collectibles, heirlooms, and other play things with high sentimental and financial value to you. You can also insure recreational vehicles, expensive antique electric guitars, and other things you and your family enjoy.

How Does It Work?

Toy insurance typically covers accidental damage, theft, and loss. If you or your child accidentally breaks an insured toy, the insurance company will reimburse you for the cost of repairs or replacement. The same goes for theft and loss – if the toy is stolen or lost, you will be compensated up to the amount you were insured for.

Some insurers also offer coverage for wear and tear, meaning that you will be reimbursed for repairs even if the damage is not accidental. However, this type of coverage is typically only available on higher-end policies.

What Are the Benefits of Toy Insurance?

The main benefit of toy insurance is that it can save you a lot of money in the long run. If you have an expensive toy that your child loves, it is worth insuring it so that you are not left with a hefty bill if something happens to it.

Another benefit is that it can give you peace of mind. Knowing that your toys are covered in case of an accident can help you to relax and enjoy your time with your family without having to worry about the cost of repairs or replacement.

Finally, toy insurance can be a great way to protect your investment. If you have a collection of antique toys or other high-value items, insuring them can ensure that you get compensated if they are damaged, stolen, or lost.

Cover Your Expensive Toys With Toy Insurance Today

If you’re interested in toy insurance, contact The Select Insurance Agency of Coppell, TX. We would be happy to help you find the right policy for your needs. Whether you want to cover your child’s favorite toy or an entire collection, call us at 972 315 7299.

How Much RV Insurance Should I Have When It Is in Storage?

Located 24 minutes northwest of Dallas, our agents at The Select Insurance Agency in Coppell, TX stand ready to help you insure one of your most essential possessions: your RV. Founder Todd McShann takes great pride in providing excellent customer service. D Magazine named Todd a Best 100 agent five times. Depending on where you travel throughout the year, your RV insurance needs to cover you for monsoon damage, hail, burst water lines, UV rays, and physical or chemical damage to the trailer hitch, suspension, or underbelly.

How Does RV Class Affect Insurance?

Class A motor homes run between 21 and 45 feet long. They have the same chassis as a commercial bus, truck, or motor vehicle. Class C motor homes, on the other hand, feature van noses with a sleeping area above the cab, while Class B motor homes resemble a long custom van, about 16 to 22 feet long. Since Class B motor homes cost more to build, they also cost more to repair and usually require higher premiums and deductibles than a regular van if you want replacement value.

Types of Damage by Class

Class A motor homes have the highest chance of severe damage in storms or other natural disasters if stored outside. However, their large size and greater height limit indoor storage options, making them even more likely to suffer damage. Class C homes sit closer to the ground, risking underbelly and suspension damage. Class B motor homes have stronger roofs, sustaining less damage if stored outdoors.

Please speak with one of our highly-qualified insurance agents today: The Select Insurance Agency in Coppell, TX, serving the entire Dallas/Fort Worth area, to learn more about insuring your RV during storage. Call (972) 315-7299 or Email for a free consultation about your RV insurance needs.

What is the advantage of having umbrella insurance in Texas?

When you live in the Coppell, TX area, understanding your personal liability risks and finding ways to protect yourself against them is pretty important. One way this can be done is by getting proper personal liability insurance. While you can get some coverage through a home or auto plan, getting umbrella coverage is also beneficial as it provides various advantages. 

Reduce Risk of a Major Claim

A primary reason anyone that is in Texas will want to have an umbrella plan is so they can reduce their risk of being named in a major claim. There will always be a chance that a liability claim can be larger than your current home or auto plans. Fortunately, you can also get an umbrella plan that will give additional liability coverage in excess of your current policies. 

Cover for More Scenarios

Getting an umbrella plan is also a good idea as it will give coverage for more scenarios. While you will get some liability coverage on your home or auto plans, this coverage does not protect against all of your liability risks. With umbrella coverage, you will get a broad range of liability risk mitigation that can cover claims not protected by your existing plans. This broad support will also provide valuable peace of mind. 

People all over the Coppell, TX area want to know that they have the right insurance. As you are looking for ways to protect against liability risks, starting your search by calling The Select Insurance Agency is a good option. Various complexities come with liability umbrella coverage, and The Select Insurance Agency will give any support you need to ensure you know your options and select the right policy. 

What type of life insurance is right for me?

Anyone in the Coppell, TX area will have different personal insurance needs. While getting insurance to protect your assets and reduce liability risks is important, another valuable type of coverage to get is life insurance. When looking for coverage, there are various options to consider. Considering the benefits of both term and whole life coverage is crucial to decide which type is ideal for your situation. 

Term Life Coverage

For many people, a term life plan is an ideal insurance policy. With a term life insurance policy, you will have a certain level of coverage for a defined period. The term length available can range up to several decades, allowing people to customize their own policies based on their needs. Further, these plans tend to have lower premiums relative to the level of coverage selected. 

Whole Life Coverage

Another type of insurance to consider is whole life insurance. If you select a whole life plan, you will get the policy for the rest of your life. An added benefit of whole-life coverage is that some of your payments will build and accumulate in an account with interest. In the future, this account can be liquidated or used as collateral for a loan. This can make it a good alternative and low-risk investment option. 

People in the Coppell, TX area should spend the necessary amount of time evaluating their life insurance options and building an ideal plan. The Select Insurance Agency professionals can give the support needed to understand the differences between your insurance options. Based on the guidance provided by The Select Insurance Agency, you can then build an ideal policy that will give appropriate coverage. 

Why Do You Need Insurance for Your Business?

As a small business owner, you may be trying to save as much money as you can. One thing that you might try to avoid is getting insurance for your business. However, that could be a big mistake. 

Here are some reasons why you need insurance for your business. 

Property and casualty insurance. This is important to protect the physical assets in your business. This may include your office, as well as the building that it is in. It can also help if your business needs to be shut down due to damage or loss. 

Liability insurance. Liability insurance will protect your business (and yourself) against any lawsuits that you may find yourself facing. If someone falls and gets hurt on your property, this protection is necessary. 

It is the law. Though you want to protect your business and yourself from anything that may happen, the truth is that you can’t have a business without insurance. You may find yourself facing fines and penalties if you don’t have any insurance. Legally, you may be forced to shut your business down if you practice without any insurance. 

Even if you don’t want to spend the extra money, you can’t open a business without insurance. That being said, you need to protect it any way you can. Property and casualty insurance will cover the building, while liability will cover any lawsuits that you may end up facing. If you are sued, you may end up losing your business and even your home. It may destroy your family, so you should do anything that you can to protect everyone. 

If you are looking for insurance advice in Coppell, TX, don’t hesitate to contact us today at The Select Insurance Agency. 

Why should a business get workers comp insurance?

Any business owner today is going to have various important decisions that need to be made on a daily basis. One important decision that may need to be made can come when choosing a proper insurance plan for the business. One form of insurance that all business owners in the Coppell, TX area need to consider getting is worker’s compensation insurance. There are several advantages of this type of coverage that make it a good investment. 

Protect Employees

One of the main reasons that you should get workers’ compensation insurance is that it can help to protect your employees. A quality team of employees is an invaluable asset and workers’ compensation will provide them with support if they suffer injuries on the job that results in damages. A proper plan can provide coverage for many costs they may incur including lost wages, medical bills, and future therapy expenses. 

Reduce Commercial Liability Risk

Another advantage of workers’ compensation coverage is that it can help to reduce your commercial liability risk. If you have someone that is injured while they are working on the job, the workers’ compensation plan will offer coverage. However, if you do not have this type of coverage, they may pursue you and your business to cover their damages and incurred costs. With the right workers’ compensation plan, they will already have their costs covered.

As you are looking for a commercial insurance plan in the Coppell, TX area, it would also be wise for you to call The Select Insurance Agency. There are various advantages that come with this coverage and The Select Insurance Agency can help ensure you choose a plan that will help to maximize your protection. Ultimately, this will help to protect both your business and your employees. 

3 Terms to Know About Dental Insurance

Dental insurance is a useful resource to have even if you only go to the dentist for your annual cleanings. Dental insurance has a lot to offer, helping you avoid paying out of pocket for dental work you absolutely need.

The Select Insurance Agency understands that dental insurance can be a difficult topic to discuss if you aren’t familiar with all the lingo. These are the words every Coppell, TX resident needs to know related to dental insurance.


The co-pay is the amount of money you are responsible for paying at the time of service. For example, your insurance policy might have a $20 co-pay for dental cleanings. You will pay the co-pay at the time of your appointment, and then the dentist will bill your insurance company.


As you browse insurance options, you will notice that some dentists are considered in-network while others are out-of-network. Usually, insurance provides more coverage for in-network providers. In some cases, out-of-network providers will get coverage at all. You should use this information to determine which dental providers you want to see.

Waiting Period

Unlike health insurance policies, dental insurance policies may have required waiting periods for specific types of coverage. For example, you may need to wait six months between buying insurance and getting fillings for your teeth. It is important that you read your insurance documents to familiarize yourself with the details.

Get Dental Insurance Information

Do you want to learn more about dental insurance? The Select Insurance Agency can help you choose the right policy to meet your needs. Our Coppell, TX clients benefit from knowing these basic terms and more. Contact our office to learn more.

Top 3 Health Insurance Myths Busted

The world of health insurance can seem confusing and overwhelming. This is why it is good to have knowledgeable insurance experts on your side. At The Select Insurance Agency, serving Coppell, TX and surrounding areas, we aim to provide our clients and future clients with the insurance information they need to make confident choices. Keep reading to learn about health insurance myths. 

Myth- The Most Affordable Plan Has The Lowest Premium 

When you start shopping for insurance, you will immediately see that different plans will have different monthly premiums. You may be tempted to think that the plan with the lowest premium is the most affordable. This is not always the case, though. A lower premium can sometimes mean a larger amount of out-of-pocket expenses to meet a deductible. If you or your family members suffer from any kind of chronic health problems, this may not prove to be the most affordable option over time. 

Myth- Health Insurance Is For Medical Treatment Only

Although most of the services you will receive through your insurance plan will be medical treatments for physical issues, today most insurance plans also offer mental health services as well. When shopping for insurance, be sure to look into the mental health benefits your plan offers as well. 

Myth- Pick One Health Insurance Plan and Stick to It Every Year

Although it can be less complicated to simply keep repeating the same health insurance choices each year, if you want to make sure you are getting the best deal, and make sure you have access to the services you truly need, you will want to evaluate plans carefully each year at open enrollment to ensure you are picking the one that is right for you today. 

If you would like to learn more about our insurance services, please contact us at The Select Insurance Agency serving Coppell, TX, and the surrounding areas. 

Should You Get Life Insurance for Your Children?

As a parent, you may know that you need to have life insurance, just in case something happens to you. You don’t want your family to struggle if something happens to you. However, you may not be sure if you need to have some life insurance for your children.

Here are some reasons why you may want to get life insurance for your children. 

It gives you the time that you need to grieve. There is nothing worse than losing your child. You might need to take some time off of work to take care of yourself and your family. The money that you get from your child’s life insurance policy may allow you to do so, without worrying about paying your bills. 

You may be able to borrow against their life insurance policy to help support them. You may be able to get some money to help you pay for their college tuition or even their wedding. 

If you start them young, they will have a policy for life, no matter what happens. It can be harder to get a policy when you are older. In fact, you may end up paying more each month due to illness or even being overweight. If you start now, your child will have an affordable plan for the rest of his or her life. 

If you are unsure about whether you should insure your child, you may want to think about what is going on. If you want to give yourself time to grieve, it may help you financially during this time. 

If you are in Coppell, TX, contact us at The Select Insurance Agency. We will be able to help you decide if it is a good idea to insure your child.