The Basics of Overweight Bonds

If your business operates heavy vehicles, including trailers, haulers, and/or oversized commercial…

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Environmental Bonds

The Basics of Environmental Bonds

When it comes to bidding bonds, supply bonds, maintenance bonds, and payment and performance bonds, the…

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Commercial Insurance Company Houston Texas

What are Insurance Bonds?

An insurance bond is a third-party contract where the insurer agrees to pay any losses. The inability to…

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What is Employer’s Liability Insurance?

Workers’ compensation is essential in all businesses. However, in some instances within a work related…

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Workers Compensation for Your Business

Workers Compensation, also known as workers’ comp or workman’s comp insurance, protects you, your…

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Understanding Excess Liability Insurance and Commercial Umbrella Insurance

Excess Liability and Umbrella Liability are often confused as the same thing despite being two different…

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Understanding Umbrella Insurance

Umbrella insurance is personal liability insurance that can help you when you are found liable for a…

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Contact LKA today

Why Small Businesses Need Insurance Most

Are you looking for business insurance for your small business but are not sure if it's worth it? LKA…

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General Liability Insurance for Beginners

Every business owner encounters the wonders of the importance of business insurance, let alone general…

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Business Insurance for Beginners

It’s essential to understand what business insurance is and how it works. Business insurance covers…

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commercial business insurance

Understand Commercial Business Insurance

Is your business in need of protection? Maybe you fear the unknown with your business. Perhaps you feel…

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The Basics of Overweight Bonds

If your business operates heavy vehicles, including trailers, haulers, and/or oversized commercial trucks, you may need an overweight bond. Overweight bonds are required by many state, county, and municipal governments. These types of bonds allow your overweight motor vehicle to operate on public highways. The bond works to guarantee payment of any taxes and fees used to fund maintenance and upkeep of public roads along with ensuring the trucker uses designated routes on specific dates and hours within each permit.

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Environmental Bonds

The Basics of Environmental Bonds

When it comes to bidding bonds, supply bonds, maintenance bonds, and payment and performance bonds, the term environmental bond is used. Environmental surety bonds have many types, including EPA closure bonds, post-closure bonds, and collection bonds. These bonds cover bases including solid waste landfill, well drilling operations, commercial and residential waste collection, disposal, and transportation means.

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Commercial Insurance Company Houston Texas

What are Insurance Bonds?

An insurance bond is a third-party contract where the insurer agrees to pay any losses. The inability to do specific acts or if any criminal acts occur can make it necessary to have an insurance bond. 
These forms of bonds include fidelity and surety bonds.

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What is Employer’s Liability Insurance?

Workers’ compensation is essential in all businesses. However, in some instances within a work related injury, illness, or death to an employee it may not cover the costs or damage associated to that employee and the accident that occurred. That is why having employers’ liability insurance is a great policy to carry in addition to workers’ compensation for any business owner. Employers’ liability insurance protects your business in the event an employee sues your company due to a work injury or illness, and they believe the business is at fault.

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Workers Compensation for Your Business

Workers Compensation, also known as workers’ comp or workman’s comp insurance, protects you, your business, and your employees (and in certain cases their dependents) if an employed individual in your company is injured on the job. This insurance policy includes expenses covered for physical injuries, mental injuries, illnesses, and death that are due to a work-related accident or issue. The coverage works to protect anyone injured by providing wage and medical benefits in the event they are hurt while working. Workman’s compensation insurance gives medical expenses paid, lost wages, death benefits, and rehabilitation costs paid to employees and their dependents (if death occurred) in the event your employee was injured while on the job. However, each state mandates the overall workers’ compensation wage and medical benefits; therefore, it is different in every state.

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Understanding Excess Liability Insurance and Commercial Umbrella Insurance

Excess Liability and Umbrella Liability are often confused as the same thing despite being two different coverage types. Excess and umbrella liability insurance does not refer to the same policy. Excess liability insurance provides additional coverage for one of your liability insurance policies, such as general liability insurance. In contrast, commercial umbrella insurance provides additional coverage for several of your liability insurance policies when one of the underlying policies reaches its limit. In essence, the most significant difference between excess liability and umbrella is that excess liability only covers one of your liability insurance policies solely, whereas umbrella covers the majority of your liability insurance policies. Regardless, both policies provide extra coverage when the underlying policy limits are exhausted.

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Understanding Umbrella Insurance

Umbrella insurance is personal liability insurance that can help you when you are found liable for a claim larger than your insurance policy covers. In essence, it’s insurance coverage for your already set insurance policies, to an extent. Umbrella insurance is cheaper than other policy plans, and it covers both the policyholder and members of the family or household. It also covers injuries to others or damages to their assets as it is designed to protect the policyholder and/or the family in the event that they are in the wrong. In some cases, umbrella insurance can cover certain liability claims that other policies may not claim, including libel, slander, false imprisonment, malicious prosecution, wrongful entry, invasion of privacy, and numerous other hazards.

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0 Comments5 Minutes

Contact LKA today

Why Small Businesses Need Insurance Most

Are you looking for business insurance for your small business but are not sure if it's worth it? LKA Insurance wants to help you understand the importance of business insurance for your small business. Although business insurance can tailor to businesses of all sizes, we want to encourage all small businesses to get the proper protection for their business. By utilizing business insurance for your business, you can ensure that your business will not go under in the event of an accident.

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General Liability Insurance for Beginners

Every business owner encounters the wonders of the importance of business insurance, let alone general liability insurance. However, we all care for our businesses and want what is best for them. That is why at some point, we stumble across general liability insurance. The importance of general liability insurance is a considerable component for all businesses. The protection it offers can save you thousands of dollars in the event of an accident and gives you peace of mind knowing your business will never fall under in the event of an accident. Interested in general liability insurance? LKA Insurance has you covered and is ready to get you started on your general liability insurance policy. Contact us today for a free quote.

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0 Comments6 Minutes

Business Insurance for Beginners

It’s essential to understand what business insurance is and how it works. Business insurance covers businesses from unexpected losses due to unforeseeable events during any ordinary business course. Business coverage varies in the type of commercial insurance you are looking for, including property damage, workers’ compensation, general liability insurance, and more. At LKA Insurance, we encourage our clients to pick the best coverage for their business, and we ensure that your coverage will cover all necessities for your business.

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commercial business insurance

Understand Commercial Business Insurance

Is your business in need of protection? Maybe you fear the unknown with your business. Perhaps you feel you are not paying for the right commercial insurance. That is why it is important to understand what business insurance is, what business insurance covers, and how business insurance can cover your business in the event of an accident or loss. Understanding your insurance policy is our biggest concern at LKA Insurance. We want you to succeed within your business matters stress-free by knowing your business is covered by commercial insurance.

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0 Comments5 Minutes