Lifelong Insurance Agency

  • Lifelong Insurance Agency :  Your Trusted #1 Insurance Partner Across Multiple States.
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  • Lifelong Insurance Agency :  Your Trusted #1 Insurance Partner Across Multiple States.
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 info@lifelongins.com

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  (469)-606-4590
  (512)-661-2100

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Employment Practices Liability Insurance

EPLI Who Needs it? When do you need it? and Why do you need it? What is EPLI? – Employment Practices Liability Insurance – This is a very important coverage that is often overlooked or misunderstood yet is important for every business owner to have. What is EPLI coverage? It is a coverage that protects a business owner from claims made by employees that their legal rights have been violated. This includes but is not limited to: Why do you need it? As a business owner, there is a responsibility to comply with many rules as an employer. Unfortunately, we are not all perfect and make mistakes. Business owners also tend to have a target on their back considering how litigious our society is. When do you need to have it? Most assume that if you do not have any employees, you do not need this coverage but that is not entirely true. There are two other instances that need to be considered having EPLI coverage in place for. You have worked hard to establish your business, you should have all the proper coverages to protect your investment so you can focus on providing your clients the best service you have to offer. If you would like to talk to one of our Insurance advisors about EPLI Coverage or any other Business Insurance needs, please call 469-606-4590 or click here to send us a message.
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Growing your Insurance to Match your Growing Business

Your Business is growing but have you grown your Insurance Policy to match? Small Business Insurance offers several coverages that you may not need when starting out but will need as your business changes. It is important to have an understanding of what coverages are available and more importantly, knowing when to add them. For Example: Do you have a plan? The above is just a small example of the coverages that fall under a Business Owners Policy but there are plenty more coverages and situations that must be evaluated to properly insure your business. This is why is it so important to have a plan for insurance as your business grows. How do we combat this? Our strategy is simple: You have worked hard to establish your business, you should have all the proper coverages to protect your investment so you can focus on providing your clients the best service you have to offer. If you would like to talk to one of our Insurance advisors about EPLI Coverage or any other Business Insurance needs, please call 469-606-4590 or click here to send us a message.
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Commercial Property Coverage – What’s the right type and amount?

You have a lot of assets for your business, are they insured properly? Did you know there are several ways business assets are classified and they all need to be covered under different ways? It is important to have an understanding of what coverages are available for your commercial property and when to have which coverages: What are the different coverages and how do you classify them? So what type of property do you have? The above is just a small example of the coverages that fall under a Business Owners Policy to protect your property. Talking with an experienced agent can help ensure all your property is correctly insured regardless of how or where you use and store it. You have worked hard to establish your business, you should have all the proper coverages to protect your investment so you can focus on providing your clients the best service you have to offer. If you would like to talk to one of our Insurance advisors about any of your Business Insurance needs, please call 469-606-4590 or click here to send us a message.
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Car Accidents: What to Do?

Car Accidents are dreadful. From paint scratches to fender bender, T-bones to totals, no one ever wants get into car accidents or experience feeling helplessly out of control. Luckily, we’re here to alleviate some of your fears. If you find yourself in a car accident, Lifelong has you covered. Here’s what to do if and when you get into a car accident…
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Withstand Adversarial Times with Business Life Insurance

Should I buy AAA or Roadside Assistance? Roadside Assistance There is nothing worse than being stuck on the side of the road with a flat tire, broken down car, or locked keys inside. That is the moment that you will love having a roadside assistance plan in your wallet. The question is, what is the best way to get roadside assistance? You have two basic options, utilize the program offered by your insurance carrier or use a service like AAA or one of the others available. So what’s the difference and which should you use? For the most part, the service you get from these programs are similar. They will all: Now lets look at the differences Roadside Assistance offered by your Car Insurance Almost all Insurance Carriers offer Roadside assistance with their insurance packages making it easy and very affordable to obtain this service. The benefits of using the Insurance Carrier are: With every PRO, there is a CON. The biggest CON here is that depending on the carrier, calling for assistance is a “claim” and too many of these can start to impact your premiums. Talk to your insurance agent about how your carrier may view this. Also make sure you ask about the different levels of coverage available, for example, the basic package may offer 15 miles of towing while the premier package offers 100 or more. AAA If you are unable to obtain roadside assistance from your Insurance Carrier or you just prefer another option, then services like AAA can fill this void. AAA offers 3 levels of memberships so you have to evaluate which one works best for you. In addition to the basic services we spoke about above, AAA can offer added benefits like: Once again, there are some CONS: Talk to your Agent when purchasing Insurance and evaluate which might be better for you. The good news is, you have options!!
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What does an Auto Insurance Agent do when they get into an accident?

What does an Auto Insurance Agent do when they get into an accident? Yup, I found myself in this situation recently when I got hit while stranded on the side of the road. I talk to people everyday about auto insurance and what to do or expect when in an accident yet when I was in the situation, I found myself questioning, what do I do? The stress of the moment sure makes you forget what you think you should so. So here is a short list of things you should do. While I hope you never have to use these steps, store them away just in case you do. What to do when you are in an accident: What NOT to do What to expect next: If you find yourself in this situation and you still have questions, please feel free to contact us and we can help.
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Flood Insurance – Who needs it and why?

With the unfortunate storms and hurricanes we have experienced in the last month, we cannot help but talk about flood insurance, does it help, who can actually get it, and who needs it. Let’s get the first question out of the way, Does my home Owners Insurance cover me if my home floods? Unfortunately no, a regular home owners policy does not cover against weather related flooding. This can cause confusion amongst everyone because there are several water related coverages on a policy. However, the simple answer is, water damage caused by water entering the home from an outside source such as lake or river is not covered under your regular policy. As a separate example, depending on your coverage, if a storm causes damage to a window or a roof and that causes water damage, then you are covered, but to re-iterate, if the water damage is from rising water entering your home due to flooding, that is not covered. So what can you do? There are flood insurance policies available separate from your regular home policy. Majority of Flood Insurance is purchased via the NFIP (National Flood Insurance Program). This Program is highly regulated and prices are set by the program so there is no pricing adjustments etc. You can call 100 insurance agents and the quote for flood insurance should all be the exact same. NFIP Insurance is regulated to flood maps. You can purchase this insurance if you reside within a flood map, that is not the same thing as a flood plain so you would have to talk to your insurance agent to see if your home is eligible. If you are not eligible for NFIP, there are private flood policies that anyone can purchase, talking to your agent will give you the best options available. How much does it cost? – Since NFIP regulates the pricing, you will not see adjustments unless you decide to purchase a policy from the private carriers. Pricing can range between $400-$600/year depending on the value of the home. What about the water coverage on my regular Homeowners Policy? Check out our blog on water coverages to read more about what exactly these other coverages do cover. Have more questions? Please feel free to reach out to us at anytime if you have questions about anything related to Flood insurance or anything else in your insurance policy. Lifelong Insurance Agency 469-606-4590 info@lifelongins.com
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Do you have a new Teenage Driver?

Teenage Drivers, every parent fears the day their teenager begins driving. The time has come for your teenager to start driving and you have heard from all your friends how expensive it is. Here is everything you need to know about when, why and how much it cost to add a teenage driver. What is the difference between permitted driver and licensed driver? Is my teenager automatically covered on my policy? What does it cost to insure a permitted driver? What does it cost to insure a licensed Driver? What can we do to keep costs down? What about permitted use drivers? Does the price of insurance decrease at 25 years old? About Lifelong Insurance Agency: We are an independent agency that focuses on 3 things: Call us today at 469-606-4590 or click here to send us a note to see how we can help you with all your insurance needs.
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