Motor Vehicle

• Auto Insurance
  Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage...

Property

• Renters Insurance
  LOSS OF USE: A provision in homeowners and renters insurance policies that reimburses policyholders for the additional costs (housing, food, and other essentials) of having to live elsewhere while the home is being restored following a disaster.
• Home Insurance
  Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Health and Life

• Life Insurance
  Experienced life insurance agents at Janicek Insurance can assist you by designing a policy that best fits your personal or business needs. We want to help you protect those who are most important to you with the right life insurance and financial products. We offer a broad range of optional coverage in South Texas. Call us in Stockdale TX: (830)996-3148 Nixon TX: (830)582-1581 or start a Free Insurance Quote.
• Health Insurance
  FRANCHISE INSURANCE: Individual life or health insurance policies issued to a small group of people having a common affiliation or interest. Same as wholesale insurance.
• Disability Insurance
  RESIDUAL BENEFIT: In disability insurance, a benefit paid when you suffer a loss of income due to covered disability or if loss of income persists. The benefit is based on a formula specified in your policy and it is generally a percentage of the full benefit. It maybe paid up to the maximum benefit period.
• Long Term Care
  ACCELERATED DEATH BENEFITS: A provision that will pay all or part of the policy death benefits while the policyholder is still alive. Conditions include proof that the policyholder is terminally ill with a life expectancy of less than 12 months, has a specified life-threatening disease or is in a long-term care facility such as a nursing home. By accepting an accelerated benefit payment, a person could be ruled ineligible for Medicaid or other government benefits. The proceeds may also be taxable.

Business

• Business Insurance
  If you would like information about other types of business insurance, please call our agency. We will be glad to answer any questions you may have.
• Workers Compensation Insurance
  In all states but Texas an employer must have workers compensation insurance when there are more than a certain number of employees, varying from three to five, depending on the state. Workers comp insurance, as this coverage is generally called, pays for medical care and replaces a portion of lost wages for an employee who is injured in the course of employment, regardless of who was at fault for the injury. When a worker dies as a result of injuries sustained while working, the insurance provides compensation to the employee's family. An extremely small business, such as one operated by one or two people out of a home, may not need workers compensation insurance. But it often needs more property and liability insurance than is provided in a typical homeowners policy.
• Commercial Liability Insurance
  GENERAL LIABILITY: A broad term meaning liability insurance, other than automobile, written to cover personal, professional and commercial risks. In respect to commercial liability, it protects business owners and operators from exposures such as liability arising from accidents resulting from the insured's premises or operations; products sold by the insured; operations completed by the insured, and contractual liability.
• Professional Liability Insurance
  Some businesses involve services such as giving advice, making recommendations, designing things, providing physical care or representing the needs of others, which can lead to being sued by customers, clients or patients claiming that the business's failure to perform a job properly has injured them. Errors and omissions or professional liability insurance covers these situations. The policy will pay any judgment for which the insured is legally liable, up to the policy limit. It also provides legal defense costs, even when there has been no wrongdoing.
• Builders Risk Insurance
  BUILDER'S RISK INSURANCE: Insurance against loss resulting from damage to buildings and to materials incidental to construction, including machinery and equipment, while the buildings are under construction.

Personal

• Annuities
• Liability Insurance
  As the name implies, an umbrella liability policy provides coverage over and above a business's other liability coverage. It is designed to protect against unusually high losses. It provides protection when the policy limits of one of the underlying policies have been used up. For a typical business, the umbrella policy would provide protection beyond the general liability and auto liability policies. If a company has employment practices liability insurance, directors and officers liability, or other types of liability insurance, the umbrella could provide protection beyond those policy limits as well.