Winter Storm Jonas recently hit a large section of the United States, causing record levels of snowfall, flooding, utility outages and property damages across the East Coast.  Although Texas was spared from any severe winter storm conditions this time, the reality is that major weather events or disasters can strike our area at any time, throughout the year.  When this occurs, businesses of all sizes and industries are forced to shut down for a period of time due to road closures, power outages, flooding, and other major commercial property damages

Owning your own business comes with a bounty of rewards and advantages, but it can also come with a high level of risk, particularly if you have employees on your worksite. Regardless of the industry and levels of training, employees can and do get hurt on the job every day, creating serious liability issues for employers. Workers Compensation insurance makes payments to injured employees for lost wages and medical expenses related to workplace injuries, while also shielding employers from both covering these expenses out of pocket and costly lawsuits.

Compared with other areas of the country, Houston has long enjoyed a strong and growing economy due to the diversity of our industries and business-friendly tax laws. Because of our robust economic growth, businesses must compete even more with their competitors to gain an edge and win a larger share of their market. One way that businesses can stay ahead of their competitors is by a full range of quality commercial insurance.

The needs of a business can change dramatically as the business grows, adds services, and makes improvements. Over time, these changes can impact a company's liability risk and commercial insurance coverage. Unfortunately, some business owners do not realize that some company changes warrant the need for updating coverage amounts and policy protections. In today's blog post, we look at three common changes that make updating commercial coverage necessary.