Business Insurance Coverages – Cases #3 and #4 – Round Rock TX



As we continue our series of business insurance examples…

See how Bad Luck Case #3 might have been improved with a Property Insurance Policy that included Debris Removal Coverage, along with Business Income Insurance.

Bad Luck Case #4 reveals a very real need for Cyber Liability Insurance with Data Ransom Coverage

Call Chavez Insurance Group in Round Rock TX at (512) 989-0668

Will Homeowners Insurance Cover A Water Leak? – Round Rock



Hey guys, this is Gabby of the Chavez Insurance Group. I’ve got one quick question for her. Why should people have water damage in their home policy?

Well, water damage is one of the biggest claims or common claims that policyholders put in your homeowner policy and that could happen anytime during the night, during your vacation. And if you don’t have that coverage, it’s going to be a really, really bad claim for you. So it’s going to be better for you to get water damage on your policy.
Great advice from Gabby at the Chavez Insurance Group!

Call Chavez Insurance Group in Round Rock at (512) 989-0668

Business Insurance Coverages – Cases #1 and #2 – Round Rock TX



What insurance does a small business actually need?
Much of a business’s success depends on how well it can overcome obstacles.

Chavez Insurance Group is here to help guide you through the perils that you likely don’t anticipate.

Bad Luck Case #1
In this example, the hefty legal and judgment costs would have been covered by Hired and Non-Owned Auto Liability Insurance, up to purchased policy limits.

Bad Luck Case #2
ACME had Worker’s Compensation Insurance that covered Julie’s expenses, but not Colleen’s. The state identified that ACME had misclassified Colleen, which led to hefty penalties and judgments for medical costs and damages.

Call Chavez Insurance Group in Round Rock TX at (512) 989-0668

What Life Insurance Should I Have? – Round Rock TX



Hello. My name is Felix Chavez. I’m the owner of the Chavez Insurance Group in Round Rock, Texas. I have been a life insurance agent for 21 years, and in researching during different times of the year, one of the particular times that I love to be able to see information on life insurance is during September. September is Life Awareness Month, where a lot of companies will make life insurance a priority. And in looking at LIMRA, which is a website that is a research tank for a lot of insurance agents and insurance companies, they posted information as to why people don’t buy life insurance. And one of the reasons is that prospects are unsure of how much coverage to buy and what type.
And the type is important. Most people are not aware that today you can purchase life insurance, while living you can use the benefits. So they’re called living benefits available in life insurance policies. Now, most companies still don’t offer all of them, and if they offer them, they charge you for them. Well, National Life Group has four living benefits built into their policies and they come with each one of the policies, whether you’re buying a term, a whole life, or universal or index universal life policies.
The coverages and the benefits work in this fashion. There’s four of them, terminal illness, chronic illness, critical illness, and of course the last one being the critical injury. So I’ll give you a very simple explanation. If I was a patient that had a terminal illness and had a 24-month time period to live, I would be able to take up to 100% of that death benefit to be able to use while I’m still living, so I don’t have to die to be able to use that coverage. And if I had a half a million dollar life policy, well I could definitely do a whole lot with that half a million dollars to take care of myself and to pay expenses while I was still living.
So again, living benefits can be a huge, huge impact on families, especially when they have issues that they’re going to survive. And most people can survive a lot of these listings on this page and it becomes expensive for them to continue paying medical bills. So the living benefits were introduced by National Life Group many years ago, and in 2007 were introduced inside of the policies already built in. So if you need some help understanding your life policy or you need to compare your life policy to a company that has living benefits, please give us a call, 512-989-0668.

Call Chavez Insurance Group in Round Rock TX at (512) 989-0668

How Does Business Insurance Work? – Round Rock TX



Good afternoon. This is Felix at your Chavez Insurance Group. Today with us, we have Maria Solis. She’s our customer support representative. Maria does all the certificates of insurance. She does all the renewals. She finds people better pricing. And she does all the customer service work.

So Maria, tell us a little bit about what you see in commercial business insurance policies that come to us, that are being shopped from other companies that we’re trying to take. What’s the biggest opportunity you see?

Call Chavez Insurance Group in Round Rock TX at (512) 989-0668

Are Homeowners Insurance And Hazard Insurance The Same? – Round Rock TX



Hey, good afternoon. Today, I have with me Samira Saldivar with the Chavez Insurance Group, and she’s been with us for 17 years. She knows all about auto insurance, home insurance, life insurance, and umbrella insurance. Of course, all the toy insurance. Samira, what is the biggest thing that you see, the biggest issue that you see when people talk to you about their auto insurance?

Call Chavez Insurance Group in Round Rock TX at (512)˜9-0669