What is an Umbrella Insurance Policy, and should I get one?

What is an umbrella policy? An umbrella insurance policy is a type of personal liability insurance that provides additional coverage beyond the limits of the insured’s homeowners, auto, and watercraft personal insurance policies. It serves as a secondary layer of protection that kicks in when the limits of the underlying policies are exhausted. For example, […]

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Why are Property Insurance Premiums Increasing in Texas and What you can do to Reduce your Premiums

The increase in property insurance rates in Texas is attributable to a multifaceted set of factors, primarily driven by the heightened frequency and severity of natural disasters, the rising costs of construction and labor, and the overarching impacts of climate change.  This affects everyone, including us.  We are insurance consumers too. Natural Disasters: Texas’ geographical […]

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Don’t Leave the success of your Business to chance. If you have Employees, you need Employment Practice Liability Protection.

Navigating the landscape of employer-employee relationships can be tricky, and for small businesses, the financial stakes are high. Employment Practices Liability Insurance (EPLI) offers a safeguard, providing protection against potential employment-related lawsuits. This blog explores what is covered, some compelling reasons (backed by relevant statistics) why small employers should not overlook the importance of EPLI, […]

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2024 Open Enrollment Checklist – Employee Benefits

ABM Insurance & Benefit Services Employee Benefits Department want to make sure you are prepared for the compliance changes in 2024.   There are always changes and we will help to make sure our clients are in compliance.   We are sending this information to you and will discuss at your renewal.   Please download the complete guidance […]

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Understanding the Increase in Home and Auto Insurance Rates

Home and auto insurance are essential for protecting one’s property and vehicles from unexpected events and accidents. However, it’s not uncommon for policyholders to notice that their insurance rates are increasing this year.  Unfortunately, our agency cannot control carrier rate increases and or rate changes.   It is frustrating for us as well, especially since we […]

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