By redih84 December 18, 2014
Updated Material; awesome instructor. Passed my test super easily, I would recommend to anybody. ...read more
By SabrinaChristine October 28, 2014
After my last claim, I was completely satisfied with how efficient the process was. I don’t think people ever realize how important claim satisfaction is with a company until you’ve actually had a claim and gone through the experience. Thank you Charlie Anderson and staff for all of your help! ...read more
By MichaelMate October 27, 2014
I’ve had insurance with Charlie’s office for 30 plus years and never leaving. Always get great customer service. ...read more
While it's scary to imagine our own death, life insurance should never intimidate you. It offers financial protection to your loved ones. But many people turn away from this coverage because of things they hear in passing. Before you brush away life insurance, read these three misconceptions to see if what you heard about it was fiction. Life Insurance Is Expensive The cost of life insurance varies widely, depending on many factors. Ultimately, the price of the premium is tied to an applicant's age, health income and needs. That means you shouldn't wait to buy life insurance until much later in life, because coverage may be pricier if you apply when you're older and have developed a health issue. Remember, without coverage, your passing could be even more expensive if you leave behind a legacy of unpaid debts and expenses for your family to pay. My Employer Covers Me While that may be true, employer-sponsored life insurance won't cover everything. Most of these policies have limited coverage, and they do not travel with you if you leave the company. If you're single and living paycheck to paycheck with no dependents, the coverage provided by your employer may be sufficient. But for instance, if you have a mortgage on a house that you share with loved ones, these unpaid debts and bank loans could cause terrible financial strain and further hardships for your family after your passing. I Don't Need Coverage Because I Have No Dependents Whether or not you're single doesn't change the fact that everyone needs life insurance to cover personal debts. Otherwise, funeral costs and medical bills could go to your parents or other family members. Whoever it is, somebody might have to pay after you're gone. Even if the money is never actually used by family, you can donate the cash legacy to a charity or cause of your choosing by naming it a beneficiary. The people who can use the cash value of your policy will certainly be grateful. For more information about life insurance, contact your independent insurance agent today! Are you covered? Call 1-Stop Financial Service Centers at (866) 527-9013 for more information on Austin life insurance. ...read more
By 1 Stop Financial Service Centers June 01, 2015
Owning a business can to various challenges, depending on the industry the business is based in. If you own a restaurant or bar, there are a number of insurance coverages that can help protect you from a multitude of possible damages. If a third party suffers property damage or bodily injury while on your property or as a direct result of the services you provided, you would be covered by general liability. Property coverage protects your physical assets, like your building or furniture, from damage caused by severe weather, fire, vandalism or theft. Here are a few of the industry specific coverages for a restaurant or bar: Assault and Battery: If a fight breaks out at your business, you could be liable for resulting damages, injuries or legal expenses. This will help protect you from those expenses. Hired/Non-Owned Vehicle Liability: If your employees are using their personal vehicles for business purposes, this coverage can protect them from damages that occur. Food Contamination: Even the best restaurants can run into an issue with the food that they are known for. If something becomes contaminated and a customer gets sick, you could be held liable. This will help battle any resulting legal expenses. Liquor Liability: Damage to you or your customer's property can occur when someone has become intoxicated. This coverage can help protect you against some of those expenses, which also includes a customer leaving after drinking too much and causing an accident Valet Liability: Customer cars can be damaged while your valet temporarily holds onto them. This can help protect you from those expenses. Peace of mind will help you spend time on other aspects of your business. Let us help you make your business better. We make the buying process as easy as possible, as we know you are busy. GiveSouthwest Commercial Insurance a call at (512) 771-6091 for more information about Austin restaurant and bar insurance. ...read more
By Southwest Commercial Insurance June 01, 2015
Have you ever donated or sold an old computer or smartphone? Then you already know the importance of wiping the hard drive before the device exchanges hands to prevent someone else from accessing your data. The same applies to your business' electronics. But it goes beyond old computers. What many people don't know is that modern printers and copiers also have hard drives, which means that every document — including sensitive info like voided checks, employee records, customer information and more — that is printed/copied is stored within the device. But people don't often think to wipe these hard drives before tossing them. Businesses are often held financially responsible if they fail to protect sensitive information, like customers' credit card numbers. Donating a printer without first scrubbing it could open up a world of data to potential hackers, which can lead to HIPAA fines and/or professional liability lawsuits against your business. To avoid claims of professional negligence, try the following tips before throwing away, donating or selling your business' unused electronics. Wipe all hard drives or overwrite the files Remove and destroy the hard drives Deliver electronics to e-waste centers, where hard drives will be wiped and destroyed Avoid pay-to-use devices when handling sensitive information Even with the best of intentions, it's not hard for information to be exposed in the age of data breaches. Talk to your independent insurance agent about how professional liability insurance and cyber liability insurance can help protect your business from claims of professional negligence, as well as the aftermath of a cyber-attack. We've got you covered. Call 1-Stop Financial Service Centers at (866) 527-9013 for more information on Austin business insurance. ...read more
By 1 Stop Financial Service Centers May 04, 2015
Selling long-term health care insurance can increase an agent’s book of business. Many agents specialize in health care insurance once they learn the proper sales techniques. An agent should develop a script to use to explain the benefits of a long-term health care insurance policy to a client. ...read more
Many renters prefer to find an insurance policy online instead of calling different local insurance agents. The renter will need to figure out how much coverage to buy before looking online for a policy. Obtaining a quote from different online sources will allow the renter to compare different insuran... ...read more
