Commercial Bonds

The Antler Insurance Agency has a deep understanding of the commercial market, the principals whom have worked in the building and manufactured housing industries for over 30 years.

During that time, they have both purchased and provided Bonds for a broad range of purposes. Antler Insurance can help you obtain any of the traditional surety bonds required to participate in various industries:

• LICENSE & PERMIT BONDS: Which may be required by federal, state or municipal governments as prerequisites to your receiving, or maintaining a license or permit to engage in your business activities. Of course, bonds of this type function as a guaranty from a Surety to a government and its constituents that you will comply with underlying statutes, state laws, municipal ordinances, and/or applicable regulations in your area of business
• CUSTOMS BONDS: Which include importer entry bonds, which ensure compliance with relevant laws and payment of import duties and taxes
• TAX BONDS: Which ensures that a business owner will comply with laws relating to paying sales or other taxes
• RECLAMATION & ENVIRONMENTAL PROTECTION BONDS: Which are self-explanatory
• BROKERS BONDS: Which include Insurance, Mortgage and Title Agency bonds
• ERISA (Employee Retirement income Security Act) BONDS
• MOTOR VEHICLE DEALER BONDS: Which are required of all who are in the automotive dealership business
• MONEY TRANSMITTER BONDS
• HEALTH SPA BONDS: Which assure that a health spa will comply with local laws relating to their field, as well as refund dues for any prepaid services in the event the spa closes
• MISCELLANEOUS BONDS: Which are those that do not fit well under other commercial surety bond classifications. They may support private relationships and unique business conditions. For example: Hazardous waste removal bonds; credit enhancement financial guaranty bonds, self-insured workers compensation guaranty bonds, and wage and welfare/fringe benefit (union) bonds
• FIDELITY BONDS: Are also known as employee dishonesty coverage, and cover theft of an employer’s property by its own employees. Though referred to as bonds, Fidelity Bonds actually function like an insurance policy, rather than like a traditional surety bond

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Builders Risk – Homebuilders

You have thousands of dollars tied up in the structure; framing, roofing, plumbing, tools and equipment, materials and fixtures for your building project. This money is at risk from most of the same perils that would affect a completed home.

You can’t afford to lose this investment; you need to protect yourself from the perils that your construction project may be subject to; like high winds, theft and vandalism, fire, and many more.

Builder’s Risk insurance is designed to cover these and other perils, and is intended to last for the duration of a building project. It ends when the work is completed, and the property is ready for use, or when the Certificate of Occupancy is issued. At that point the homeowner’s or building owner’s insurance kicks in.

Be sure to talk with your agent well-before your construction project begins so you can set up your coverage to be effective before any tools, equipment or materials are on site, which will ensure that you’re covered for the entire duration of your project.

In addition, some city, county and state building codes will require proof of Builder’s Risk insurance as one of the conditions for the issuance of a permit, so (it goes without saying) check with the appropriate regulatory agency prior to beginning your project, and we will work with you to set up the appropriate insurance, and get the insurance documents to you that you will need in order to obtain a permit.

When you do NOT need Builder’s Risk Insurance: If your building project involves additions or renovations to an existing structure, then the owner’s existing homeowners policy may cover the work under construction. But you will need to be very careful and examine the homeowner’s insurance coverage to make sure that your project is covered. If you’re relying on someone else’s insurance to cover any losses you might incur, be very careful – this can be a risky proposition, and you could be putting your organization at risk, unnecessarily.

Note, Builder’s Risk insurance typically does not cover such things as earthquakes, floods, or wind in coastal areas unless your policy has been specifically designed to cover these perils. You’ll need to work with your Antler Insurance Agency representative to make sure that your policy includes all of the endorsements needed.

DEFINITION: An endorsement is a written document that modifies your policy by changing the coverage defined in that policy. It can add coverage for any acts or things that are not covered by the standard policy, and should be added to the Builder’s Risk policy at the time it is created. (This is also known as an addendum, rider, or attachment).

The Antler Insurance Agency is unique in that it’s founder, Ray McKinney, CIC, has over 30 years home-building experience, and has built manufactured, modular, and site-built homes in some of the most challenging conditions in the country.

He led the teams that built hundreds of homes in New Orleans after Hurricane Katrina; has built homes in the foothills and mountains of Colorado; in the deserts in New Mexico, and in the Pacific Northwest.

We’ve walked many miles in your shoes, understand how challenging the building profession can be, and know how to help.

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Business Auto

I have great automobile coverage, why do I need a business policy? The short answer is that certain kinds of business use may require that you have commercial coverage.

If you use your vehicle consistently for business purposes, you really need to check with your Antler Insurance Agency representative. As a business owner or manager, you have a financial responsibility to protect your company’s assets. If you don’t have the right kind of insurance on your business vehicle, you could be running a significant risk.

Personal auto insurance is rated differently than commercial, and usually does not have the level of protection that a business owner/manager requires. A good rule of thumb is that if you are operating an automobile for ANY business-related purposes, you need commercial vehicle insurance. Examples of situations where commercial insurance is needed:

• You pick up and/or deliver such things as construction materials, newspapers or are in the food delivery business
• You work for a messenger service
• You provide taxi or limousine service
• Your automobile is registered to a business
• You rent or lease your vehicle to others
• Your vehicle is equipped with cooking equipment; bathrooms; altered suspension; hydraulic lifts
• Your vehicle is driven consistently by you or others for business purposes

Rule of Thumb:

Essentially, if you use your vehicle consistently for business purposes, then you should have commercial insurance.
Required Coverage in Texas
What coverage is required in Texas? Insurance rules for commercial vehicles can be a confusing business. The best course of action you can take is to pick up the phone and talk with your Antler Insurance Agent – He will get you the straight scoop on what’s required, what you NEED, and what it covers. And because we’re an Independent Agency, we will shop around to find the best coverage for you at the best rates available on the market.
While it can be confusing as to whether or not you need it, your Antler Agent will be happy to discuss it with you to make sure. If you DO need it, the business vehicle coverage we typically write includes:

• Collision Coverage: Which pays for damage to your vehicle when it is involved in a collision with another automobile or object (tree, telephone pole, bridge abutment, etc.)
• Comprehensive: Covers damage to your business automobile for such things as vandalism, theft, fire, flood and other covered perils
• Medical payments, no-fault or personal injury coverage: Covers medical expenses of the driver and any passengers in your business vehicle regardless of who’s at fault
• Property Damage Liability: If your vehicle accidentally damages another person’s property, this covers damage and legal expenses, should a lawsuit be filed
• Bodily Injury Liability: Like property damage liability, should you have an accident in which another person is injured, and it is your (or your driver’s) fault, this pays for bodily injury or death claims, and provides legal defense coverage as well
• Uninsured Motorist: If your vehicle is in an accident where another person is responsible, but they don’t have insurance coverage, This pays for your injuries and (in some cases) property damage caused by an uninsured or hit-and-run driver. This coverage can also make up the difference when the at-fault driver has insufficient coverage

Two Kinds of Policy

• Combined Single Limit (CSL): This is a type of policy where a specific dollar limit can be set for any single occurrence, limiting the total amount to be paid for any combination of property damage and personal injury, regardless of how many people were involved in the accident.
• Split Limits: This is where three separate amounts apply to each accident: Per-person limit, per occurrence limit for all injured persons, and per occurrence limit for all property damage caused by the accident. There’s no clear winner between split limits and combined single limit policies

No one can predict the future, much less predict the amount of personal injury damages or property damages will be awarded in a specific accident. Your Antler Insurance Agent will work with you to help define your risk and then will shop to find the coverage you need to make sure that your are properly covered.

Your Agent will then talk with you about an Umbrella Liability policy. Should you be involved in an accident and are at fault – the damages can be small or huge. An Umbrella Policy is designed to kick in should any amounts be awarded in excess of the limits of your coverage whether you have a Combined Single Limit or Split Limits commercial automobile policy. We’ll do our best to ensure that you have comprehensive coverage to limit your exposure to any possible financial liabilities. Look at the menu to the left for “General Liability & Umbrella” for a full explanation of business liability and umbrella coverage.

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

General Liability & Umbrella

Commercial General Liability and Umbrella insurance for business differs greatly from personal liability and umbrella coverage.

Your exposure and potential for loss can be orders of magnitude greater, and the kinds of incidents in which you can be found liable may differ greatly from personal liability situations.

In many cases, if someone is injured and/or property is damaged and you are found liable, and if you are not properly covered it could cost you your entire company. And you’ve worked too long and hard to build a business only to lose it because of an accident. Here are a few concepts you should know when you’re looking for commercial liability and umbrella insurance:

• The term “Commercial General Liability Insurance” (CGL) refers to insurance that provides protection for business owners against liability claims for bodily injury and/or property damage. In addition, it covers you from loss for personal and/or advertising injury (slander and false advertising)
• On Premises Coverage: Incidents that occur on premises or during your business operations are covered here. This coverage protects you from claims for bodily injury or property damage liabilities that occur at your place of business, on job sites or other places where you actually operate your business. An example might be a Client walking through your fabrication shop who is hit and injured by flying debris
• Product & Completed Operations: The next type of coverage relates to bodily injury and/or property damage that occurs away from your business premises, and is caused by your products and/or finished work. An example here might be that you built a home and a few months later, a garage roof collapses, damaging the homeowner’s car. You would be liable for damages to that car as a result of your finished work not performing to specification
• Excess Liability Insurance: You may need coverage for losses that exceed your Commercial General Liability. If a plaintiff is awarded more than your CGL covers, your Excess Liability Insurance would cover the excess, which can be critically important to the small business owner
• Umbrella Liability: This is insurance coverage that protects you beyond the limits of both automobile liability and your Commercial General Liability coverage. It also protects your against exposures not covered under your CGL policy, and which are not excluded by the umbrella liability insurance policy

Different kinds of businesses in Texas require differing amounts of coverage, so you need to be aware of your industry standards. And that’s one of the things that we can help you with. We’ll help you design just the right kind of coverage to protect your business, based on your industry, and the historical statistics in Texas.
Advice from the Texas Department of Insurance

In the meantime, here are some good ideas from The Texas Department of Insurance:

• Be Proactive: Provide your Agent with claims history, coverage choices and risk management efforts four months in advance of required Liability and/or Umbrella Insurance coverage. (At the Antler Insurance Agency, we’ll work with you to get the data needed to find the right coverage for your business)
• Respond Quickly to requests for information from your Agent. Be sure to document all communication with your Agent, especially note key items such as policy limits, deductibles, requested effective date, prior acts of coverage, if applicable, etc. (Your Antler Insurance Agent will stay in touch with you, and will follow up until you provide him with everything he needs to get the right coverage for you)
• Get your Claims History (Loss Runs) Up to Date: You may request claims history from your insurer. Businesses of any size should be prepared to address claims history
• Update and Document all loss control/risk management measure, including training accomplished. Be prepared to show why your business currently is and will continue to be a good risk. (As your Antler Insurance Agent works with you, he will give you a list of things that can help you get the right premiums for the amount of coverage you need)
• Get quotes from several companies (Which the Antler Insurance Agency will do for you). When comparing prices, make sure you’re comparing policies with similar coverage. A less expensive policy might also provide less coverage
• Keep Shopping if an insurer declines to cover your business (And, here at Antler, because we’re an Independent Insurance Agency, we WILL find an insurer to cover you – or will direct you to one who can). Insurers have different underwriting criteria. If one company turns you down or is too expensive, another may be willing to issue coverage or offer a lower premium
• Review your limits of insurance and make any necessary adjustments. For example, if your business is growing you may consider increasing your limits. (At Antler, we will review this with you and help you design the coverage you need now, and in the future. We’ll stay in touch with you to make sure that you have anticipated your needs correctly, and get additional coverage for you if needed.)
• Consider a higher deductible. Assuming more risk in the form of higher deductibles or lower policy limits may help reduce your premium. (Your Antler Agent will discuss this with you. While this may be a good idea for some businesses, it may not be for all. If your business is tight on cash, imagine what would happen if you were suddenly forced to write a check for $20,000. We want to make sure you make an informed choice that is right for your business today, without exposing you to unnecessary, and unaffordable risk tomorrow)
• Allow for premium increases. When preparing your budget, allow for premium increases or additional premium charges resulting from an audit. (Antler: An insurer will reserve the right to audit your business practices. And if they find that there’s a substantial difference between what’s on your policy application and the reality of the situation, they will increase premiums. Head this off early in the process by being honest with yourself, and straightforward with your insurer about your risks)
• Verify your Agent’s and Insurer’s licenses. Agents and insurers must be licensed to sell commercial property insurance in Texas. An unlicensed insurer may not meet the state’s minimum financial and regulatory requirements, meaning the company may not have the financial resources to pay your claim. (Antler – Absolutely! We post our license number right here on the website, and welcome you to check with TDI’s toll-free Consumer Help Line: 800-252-3439, or 463-6515 in Austin. Also, feel free to visit the Texas Department of Insurance at www.tdi.texas.gov . You can also click on this link https://txapps.texas.gov/NASApp/tdi/TdiARManager to do an Agent Lookup. Or this link https://apps.tdi.state.tx.us/pcci/pcci_search.jsp to do a company lookup.)

There is so much information out there about Commercial Liability and Umbrella insurance that it can get confusing really fast. We will be happy to give you all the information you need, and answer all of your questions to the best of our ability to make sure that your company gets the protection it needs.

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Mortgage Servicers

In the competitive financial services industry, it never hurts to have options for protecting your interests with Forceplace Insurance and REO Property Insurance.

Here at the Antler Insurance Agency, we have been working with REO Properties and Forceplace insurance issues for many years. We understand the pressures your institution faces when dealing with REOs, or when dealing with a homeowner that, for various reasons, have not complied with your demand to correct his/her insurance deficiencies to make sure that the property you are at risk for is properly protected against the many perils that could cause the property to be damaged and lose value.

The Antler Insurance Agency will work with you seamlessly, efficiently, promptly, and accurately, to help you protect your assets, while helping save your valuable time.

Ray McKinney, CIC, the founder of the Antler Insurance Agency, has over 37 years experience in the housing industry working as a senior executive. During that time, he has worked with hundreds of lenders, and is widely known and trusted for his ethics, his understanding of lender needs, and his ability to get things done. Listed below are the coverages offered.
ForcePlace Insurance

It’s never pleasant to have to force-place insurance. So when you are backed into the corner and have to do it, you need to know that you have an insurance agency partner that understands, and can help you get the job done – Quickly and efficiently, so that you can get back to doing more productive things.
REO Property & Liability Insurance

Your institution owns a property (or properties), and you need to protect your assets from all of the perils an individual homeowner faces – AND, you have to protect empty properties from the kind of theft, vandalism, fire and other issues that come with the typical REO property. We understand. We have dealt with hundreds of REO units over the past 30 years, and know the kind of threats REO properties face. And we will work with you to make sure that your properties have the coverage they need.

Coverages Offered

• Combined Single Limit (CSL):Builder’s Risk
• Lender Placed Hazard and Flood: Blanket Coverage & Hazard Protection Covering Borrower Lapse
• Mortgage Impairment Servicing E&O Protection (Errors & Omissions)
• Mortgage Lenders E&O, Professional Liability Insurance (Errors & Omissions Coverage)
• Real Estate owned (REO) and foreclosed properties – Full Property and Liability coverage

Why do Texas Mortgage Brokers need E&O Insurance?
Simply put, mortgage brokers can be sued for any number of reasons related to problems that occur between loan origination and closing. Even if you act in good faith, you can still be sued and could potentially face tens of thousands of dollars’ loss in legal fees alone. So this insurance is your protection from making an honest mistake. It happens, and it’s good to have an insurer in your corner when it does.
Typical Organizations That Need This Coverage

• Commercial Banks
• Credit Unions
• Financial Institutions that Service or Invest in Mortgage Loans
• Hedge Funds
• Mortgage banks
• Private Investors
• REITs
• Savings and Loans

Call Ray McKinney, CIC  today for a confidential discussion about your commercial insurance needs. He’s worked with financial institutions for years and understands the risks and hazards associated with your industry. As an Independent Agent, he has the ability to shop around to find you the coverage that reduces your risk at a premium that won’t break the bank. He looks forward to providing you with fast, professional, personal service.

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Property & Business Owners

There are more than 5.7 million employer companies in the United States, of which 99.7% are small to medium-sized businesses! 89% are companies with less than 20 employees, which means that 9 out of every 10 employers are small companies with fewer than 20 employees! (According to the U.S. Census Bureau Data). Entrepreneurism is alive and well in the United States.

This means that there are 5-Million Companies That Are At Risk of having property damaged, stolen, or lost; and at risk of being held liable for something that occurred during the normal operation of their businesses. The Caruth Institute for Entrepreneurship at the Cox School of Business at Southern Methodist University is designed to help new and emerging companies grow, obtain venture capital, and move past the initial risk of not making it. A few years ago, Jerry White, the Director of the Entrepreneurship Program stated in a lecture, “94% of all businesses that start today will be out of business in 10 years!”

Many of these business failures were due to unforeseen risks that came to fruition, damaging those businesses so badly that they were forced to close the doors.

The Antler Insurance Agency is here to help you minimize your risk by providing Business Owner’s Insurance Policies (BOP), which is a special kind of commercial insurance specifically designed for small to medium-sized businesses. This coverage typically bundles general liability insurance with property and casualty insurance into a single policy. This allows insurers to offer these policies at reduced premiums, which can make them more cost-effective than if the business owner were to purchase each of these coverages separately.

Coverages vary by insurance providers and almost always require the business to meet certain eligibility requirements. We will work with you to determine which provider will match both your specific needs, and your business parameters to help you qualify for one of these reduced-premium policies.

Property, Liability & Business Interruption: The property, or “named-peril” part of the policy provides coverage for the specific events listed in the policy, like fire, explosion, wind damage, theft, vandalism, and the like. Some Business Owner’s Policies offer open-peril “all-risk” protection, which is available under the “special BOP category” rather than under the “standard policy” designation. Typically, Business Owner’s Policies cover:

• Buildings Coverage: These can be buildings that are owned or rented by the company. Coverage typically includes alterations or additions to the building – either under construction or completed, as well as all outdoor fixtures
• Personal Business Property Insurance:This includes all business items owned by the business owner, or items leased or loaned to the business owner temporarily. These items have to be located in the building, or close by – usually within 100-feet
• Business Interruption Insurance:There are BOPs that include “Business Interruption Insurance” as part of the property coverage. This coverage can provide up to 12 months of income for covered businesses when they have to shut down their operations because of a property-related event
• LiabilityThe liability portion of the Business Owner’s Policy provides coverage for 3rd party bodily injuries, property damage, advertising injury, or personal injury that occur on the business premises, or caused by the owner or the employees of the company. Typically, this covers legal fees related to lawsuits and compensation for medical expenses (for up to 1-year). In most cases there are specific additions – or endorsements that can be built into these coverages. Talk with your Antler Insurance Agent about how your Business Owners Policy can be customized to cover the risks associated with your business.EligibilityBOPs aren’t available to all companies. Typically, they are reserved for:
  • Business Class: This refers to the type of business you own. These kinds of policies are usually restricted to businesses like: Wholesale Distributors; Restaurants; Service-Based Businesses; Contractors; Apartment Owners; Office Service Providers; Retail Operations; Builders, etc. Check with your Agent – he will let you know if you’re eligible
  • Size:This kind of policy is designed for small to medium-sized businesses, and can also relate to the amount of space (or building size) in which the majority of your business is conducted
  • Revenue:Business Owner’s Policies are limited to those businesses who, by financial definition, are small to medium-sized companies. Your Agent will let you know which policies are available to companies in your financial class
  • Location:Typically, BOPs require a business be located primarily in a single, on-premise operation, rather than companies that may have many offices scattered around the country. However, your Antler Insurance Agent may be able to help you find a solution for this issue as well

   

  The Antler Insurance Agency is designed to help small to medium-sized businesses become more competitive by reducing the risks associated with the many perils that threaten the typical business. We understand the small business world and how hard you have to compete to stay in business.

   

  When you let us know that you may be interested in our services, we’ll call you, spend some time talking with you to make sure we understand your business and your specific needs; and then we’ll ask a few questions to make sure we know what kind of coverages are appropriate for your business; and then make sure that we get the eligibility requirement information from you.

   

  Then, we’ll search through the MANY insurers and programs to find the one that best suits your needs. At that point, we’ll design a coverage program that we believe will address all of the issues, and then get with you to go over your options and to explain everything – In Plain English (we don’t believe in using a lot of jargon that makes NO sense to most folks) – And when we’ve answered all of your questions, and are assured that our recommendation will address all of the issues – We’ll ask you to go forward with an Antler Insurance Solution.
  
  Call Ray McKinney, CIC, today for a confidential discussion about your commercial insurance needs. He has invested in a number of properties over the years, and is well aware of the hazards associated with this business. He has learned how to reduce financial risks associated with his investments, and now, as an Independent Insurance Agent, he has the ability to shop around to find you the coverage that reduces your risk at a premium that won’t break the bank. He looks forward to providing you with fast, professional, personal service.

   

  We’re looking forward to helping you get the right coverage.

  Call us now at 855-486-4676 (HORN)

  Or click on the Button Below for a FREE no obligation quote!

   

  Quote

Renters/Landlords

Whether you own 50 apartment complexes, 10 condominiums, a row of townhouses, a small apartment building, a duplex, or one single-family rent-house – You need insurance to protect you from the many perils facing landlords.

Let’s start with the basics. If you’re a landlord and can’t afford to replace your rental property, or lose the money you make from it, rental property insurance is absolutely necessary.

As you probably know, being in the business of owning and renting-out properties can be a very risky proposition – The loss of rent from the time a tenant moves out, until you get the property rented; The cost of repairs and getting the property ready to rent; tenants who are chronically late in making their payments; unexpected “big maintenance” items, like A/C units; foundation problems; and the list goes on.

Surprisingly, some Texas landlords have no insurance at all – Which is a HUGE risk; While others are woefully underinsured. In both cases, they are running the risk of financial disaster!

And the many Real Estate Investment seminars making the rounds these days, with older couples downsizing, with military personnel being transferred and more; It’s created a phenomena that we call “The Casual Landlord”. If you are a “Casual Landlord”, then chances are good that you have your rent house covered with standard Texas Homeowners Insurance, which is a very common, and potentially a very costly mistake.

There’s actually a big difference between Homeowners and Rent House Landlord Insurance. As an example, your Homeowners Insurance won’t cover damage done to the home by your tenants. And, unfortunately this happens with great frequency. Even such a little thing as pet odor, if it’s bad enough, will cause you to have to strip out carpet and other floor coverings, seal the concrete, seal and repaint walls, and take other extraordinary steps to get rid of the odor that will keep you from renting the home. This can be VERY expensive, and many Casual Landlords just don’t have that kind of money to spend.

Homeowners Insurance also won’t cover loss of rent. While you’re making the repairs caused by tenants, or other perils like fire, wind, flooding, vandalism, and the like; your property isn’t generating income. With Landlords Rental Property Insurance, you can recover lost rent, so you’re not hit with the double expense of making repairs, AND losing the rental income that would have been coming in.

Here are the protections typically needed by a landlord, regardless of how many units he/she owns:

• Dwelling Coverage: Main Structure, Landlord’s Building Replacement/ACV Option. This covers damages to your property from perils like fire, hail, vandalism, theft and other dangers, as defined by your policy
• Other Buildings and Structures on the Property. The same perils are covered for these structures
• Landlord’s Contents Coverage: Equipment, Appliances, Furnishings will be covered to provide you with financial relief from all listed perils
• Landlord’s Liability: Covers legal fees due to injury claims or property damage occurring on your property due to covered losses. This will also cover medical expenses if a 3rd party is injured or suffers a loss on your property
• Accidental Water Loss Damage Coverage
• Rental Loss Due to Covered Losses. Many landlords can’t afford to lose the rental income on their property – they depend on the rent check to cover the mortgage they have on that unit. So if anything happens to interrupt that rental income (covered perils), then this kind of coverage is really necessary
• Replacement Cost for Property & Landlord Contents. It’s more and more expensive to build. If your property is damaged beyond repair and has to be rebuilt, you might need to have full replacement cost for your property and your contents
• Special Features: You can choose from a list of special features to protect your investment

If you own Apartment Complexes, your needs will be slightly different. For those of you who own apartment buildings between 10 and 50 units, there is a packaged, or “Business Owner’s Policy (BOP) type of coverage. We will customize your coverage, which can take many forms:

• Basic property and casualty insurance, as listed above
• You might need broad coverage, which means that more perils will be named – These will be named in the policy
• It could include special perils with values of $25,000 up to $7-Million per property location in all counties except “Tier 1” (The Coastal Counties, which require a different kind of coverage)
• Perhaps you need Owners’ Contents coverage
• Loss of Rental Income
• Landlord Liability
• Property Managers’ Professional Liability Insurance
• Crime Coverage
• And tenants’ contents

Scheduled Dwelling

For landlords with multiple rental properties, there are programs called “Scheduled Rental Dwelling Coverage” policies that can simplify your life. When you invest in a policy of this type, you will get one policy, one payment, and one renewal date. If you’ve experienced the nightmare of keeping up with the insurance policies for 10 or more properties – trying to make sure you’re paying the premium on time, making sure you renew and don’t let your coverage lapse, and when you could even be making payments to different insurers for all of your different properties – what a headache!
The “Scheduled Dwelling Policies” are designed for real estate investors who want to consolidate their insurance coverage, simplify the management of their insurance coverage, and eliminate potential duplication of coverage. Here are the key points:

• You have to own 10 or more rental or vacant dwellings
• The properties can be single-family up to six-family dwellings
• The policy can be set up to be Actual Cash Value (ACV) or full replacement cost settlement
• Covers the building structure
• Business personal property
• Business income, or rental income
• Crime
• Scheduled (Listed) equipment
• Premises liability up to $1-Million, or $5-Million with the “Excess Program”
• Flexible Deductible, from $500 up to $10,000
• Basic Form, Broad Form, or Special Form coverage (Our Agent will explain)

Don’t make the mistake of being under-insured. You can’t go back after an event and increase your coverage. And many Landlords are surprised at the cost for replacing a structure, or replacing other things that weren’t covered by their insurance policy. There are plenty of ways we can structure your coverage to make sure that you don’t have any financial exposure that you can’t handle. You don’t need insurance, until you NEED it. Don’t get caught in the trap of trying to save a few pennies, while putting thousands of dollars at risk.
Blanket Coverage

And finally, there’s an additional coverage that you might want to consider – Blanked Coverage. Blanket coverage is a single limit insurance that applies to more than one location or category of property, or both. This is compared to the other kind of insurance that has scheduled limits, or specific limits set by property at each location.

Blanket coverage takes over when you’re coverage isn’t enough to take care of the damage or liability claim. It’s that little bit of extra protection that you might need to ensure that you’re fully protected. When we talk with you about your Landlord Renters and/or Scheduled Dwelling Coverages.

Call Ray McKinney, CIC, today for a confidential discussion about your Landlord Renters or Scheduled Dwelling Insurance. He has a lot of experience in a wide range of insurance coverages, and is well aware of the risks you run as a business person. He can show you a number of innovative ways to reduce the risks associated with being in the Real Estate/Property Management business, while making sure that your premium fits your business model as closely as possible. As an Independent Insurance Agent, he has the ability to shop around to find you the coverage you need at a premium that won’t break the bank. He looks forward to providing you with fast, professional, personal service.

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Outdoors Professionals

You earn a living outdoors, leading hunters, fishing expeditions, guiding campers to the most exotic spots, managing ranches, breeding deer, running exotic game hunting ventures, or one of the MANY other vocations true outdoors professionals pursue.

You’ve invested everything you have, and invested a lifetime’s worth of outdoors knowledge into a business you truly love – one that you’d do for free, if you could afford it. You can’t afford to have ANYTHING happen that would take away what you have built with so much of your own blood, sweat and tears.

Here at the Antler Insurance Agency, we really do understand the life of an outdoors professional. Ray McKinney, CIC, owned a mid-sized ranch outside of Graham, Texas for many years, worked closely with the Texas Wildlife Biologist for 10+ years, and created one of the best, free-ranging whitetail deer herds in North Texas. He can tell you at a glance how old a deer is; all the things you need to do to manage and grow a championship herd, and the thousands of other things a rancher and hunter has to know in order to not only survive, but to thrive as an outdoors professional.

Whether you own a 35-Ft. fishing boat that you charter out; or, whether you own a dude ranch, have a small outfitters’ business, are a camping guide, own cabins in the mountains that you rent out, or earn your living in one of the thousands of different ways that are available to true outdoors people, the Antler Insurance Agency’s got you covered!

We specialize in insurance for outdoors businesses, because we’ve lived that life too. We understand that you have a ton of things that can happen in YOUR business, that a typical indoors business would never even consider. And, because we know how hard you have to work to keep your outdoors business going, we can find you the best coverages at the best rates. So, if you are a hunting guide, outfitter, own a gun range, have a deer breeding operation, have a professional fishing charter operation, or are in the ranching business – Let the Antler Insurance Agency help you get the right coverages.

We’re looking forward to helping you get the right coverage for your outdoors business.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!