Motor Vehicle

• Auto Insurance
  We do a lot of driving in Texas. If your company requires employees to operate vehicles while on the job, then it is necessary for you to invest in commercial auto insurance. Commercial auto insurance will cover a combinations of vehicle types, from 18-wheelers and large trucks to cars and vans. In addition, commercial auto insurance provides for bodily injury liability and property damage should one of your employees get into an accident while driving a company vehicle.
• Motorcycle Insurance
  Before you head out to burn rubber on the open road, investing in motorcycle insurance will ensure that you and your bike are protected from any mishaps you might encounter. Not only that, but Texas mandates that all riders must possess motorcycle insurance – both property damage liability and bodily injury liability. Additional coverage areas are also available.
• Boat Insurance
  Before you hit the high seas, it’s probably a good idea to consider investing in boat insurance! There are a number of different things that could happen on the water, and with a boat insurance policy you can be protected from any mishaps that could occur.
• Mobile Home Insurance
  Mobile homes without wheels and resting on blocks or a permanent foundation qualify for a homeowners policy. However, most mobile homes are insured by a Mobilowners policy. A Mobilowners policy is actually an auto policy that covers mobile homes used as residences. Mobilowners policies offer extremely limited coverage.

Property

• Renters Insurance
  If you’re renting your home, one of the most important things your can do is get tenant insurance. Often called renters insurance, tenant insurance help protect your personal property, such as furniture, clothing, and electronics. You may think that a landlord’s insurance policy covers your personal items, but it doesn’t – you landlord’s insurance only covers the physical house or apartment that you live in. In some cases, your landlord or property manager may require you to have tenant insurance upon signing you lease.
• Home Insurance
  Location: Similar to personal home insurance, if your building is located in a city or town with fire protection nearby, it will typically cost less to insure than if you are located in an area where fire protection is limited

Health and Life

• Life Insurance
  Investing in a life insurance policy can help provide for you family or loved ones should the worst happen. While it’s not something we like to think about, having a life insurance policy is an important aspect of your financial security. The experts at GBS can help you in determining an appropriate life insurance policy that will best fit your needs as you grow both personally and professionally.
• Health Insurance
  Group health coverage is one of the main areas of question and concern by both business owners and their employees. With so many different options out there it’s hard to decide what is the best route to take. Additionally, health insurance is often at the top of the list of items that a prospective employee will look closely at, making sure they are being offered the best deal.

Business

• Business Insurance
• Commercial Property Insurance
  If you own, rent, or lease a building that houses your business, then commercial property insurance can help pay to repair or replace the structure and the contents within it should there be damage or loss associated with fire, theft, storms or other events outlined in your policy. Under normal circumstances, if you are renting or leasing office space then the building owner’s insurance policy will not cover items within the building that belong to you. Additionally, if your business operates out of several different locations you can be covered under one policy – assuming that each location serves similar functions.
• Workers Compensation Insurance
  The safety of your employees is important, and they need to be protected should an unfortunate incident happen in the workplace. Workers’ compensation insurance assist in paying medical bills and income benefits for your employees that get injured while on the job. This type of insurance isn’t only necessary for your workers, but also provides legal support from any suits brought against you.
• Professional Liability Insurance
  If you provide a professional service, it’s important to invest in professional liability insurance should you find yourself engaged in a lawsuit with a client. Even though you may already have your general liability insurance, typically that policy will only respond to a bodily injury, property damage, personal injury or advertising claim. The types of claims that would be handled under your professional liability insurance include negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice.

Personal

• Liability Insurance
  When owning a business, ensuring the protection of yourself, your employees and your clients is number one. However should a circumstance arise, commercial general liability insurance will protect you against claims of liability for bodily injury, property damage and personal and advertising injury (including slander and false advertising). Coverage is available both for bodily injury or damage that occurs ON your premises as a result of your business operations, and OFF your premises caused by your finished products.
• Travel Insurance
  Whether you are working or living abroad, traveling across the globe or simply taking a vacation, travel accident insurance can assist with a wide range of issues that may arise while you are out of the country. Ensuring your comfort and safety while you are abroad is our goal and we can assist you in finding the appropriate travel insurance for your needs.

Natural Disaster

• Flood Insurance
  The National Flood Insurance Program (NFIP) requires that those homes and buildings in high-risk flood areas have flood insurance. These areas have a 1% or greater chance of flooding in any given year, which is equivalent to a 26% chance of flooding during a 30-year mortgage. If you are not in a high-risk flood area, you are not required to have flood insurance, though we highly recommend it!
• Windstorm Insurance
  Yes and no. Most commercial property policies include a section for windstorm damage, EXCEPT if you live along counties on the Texas coast. If you’re business operates along coastal counties then you will need a separate policy to cover storm damage – and you will have to purchase that through the Texas Windstorm Insurance Association (TWIA).