Most businesses can benefit from some form of protection and insurance. However, you and your needs and preferences are the best determinants for the type of insurance coverage you need. Our San Antonio, TX team at LeapFrog Insurance is committed to helping businesses get the necessary insurance coverage. 

What is Commercial Insurance?

Commercial insurance is designed to provide protection for businesses through coverage for the business itself and the company employees. Businesses can be like fingerprints, each unique in its own way, even if there are similarities between businesses. Fortunately, commercial insurance isn’t a one-size-fits-all type of insurance. Commercial insurance is designed to meet a business’s unique and not-so-unique needs. 

I don’t have any employees, and my business is online. Do I need commercial insurance?

Online businesses aren’t exempt from problems and issues. Instead, online businesses have problems that are unique to online businesses. Commercial insurance can provide coverage that even online businesses can benefit from. Commercial insurance can protect your business transactions and services if you sell a service, product, or both. Commercial insurance can also provide liability coverage. Both financial and legal protection are benefits of commercial insurance. If you sell products online, commercial insurance can protect your inventory. For example, if you have digital/intellectual property or inventory that could be stolen or corrupted, commercial insurance can provide protection for online businesses with digital property or inventory. Commercial insurance can cover supply chain problems, job-related injuries, and liability claims and problems. Even if you don’t have employees, commercial insurance can provide protection for you as a sole business owner. You are your own employee. If you have questions about the benefits of commercial insurance, call us. We can help you explore your options. 

If you or someone you love has been diagnosed with cancer, one of the first questions that may come to mind is, "Will I still be able to get life insurance?" The good news is that individuals with cancer can purchase life insurance in San Antonio, TX. However, it’s essential to understand that the process can be complex, and having a knowledgeable life insurance provider is critical. 

Can I Be Approved for Life Insurance With Cancer? 

The answer depends on many factors, including the type of cancer diagnosis, how far along it is, and what kind of treatment plan has been recommended. In some cases, an individual recently diagnosed with a mild form of cancer may be able to acquire life insurance without any restrictions. It may also be possible for those with more severe forms of cancer to obtain coverage after they’ve gone through treatment—but this will depend on the specific details of their case. 

Working with an experienced provider like LeapFrog Insurance is important when applying for life insurance after a cancer diagnosis. Our team has extensive knowledge in the field and understands how challenging this process can be. We will take the time to review your case and help you explore different options so that you can make an informed decision regarding your coverage needs. 

Cancer can be a scary experience, but having life insurance can provide peace of mind during this difficult time. At LeapFrog Insurance, we understand how complicated this process can be. If you are in San Antonio, TX, and have been diagnosed with cancer, we are here to help. Contact us today to learn more about our comprehensive life insurance services designed specifically for individuals with pre-existing conditions.

Owning a Texas business comes with a lot of different responsibilities. You have to take care of so many things that you may have put off getting the commercial insurance you need to protect your business. There are many types of policies that you should have to protect yourself financially, and there is one type of commercial coverage that might be required for your business to have. You need to be familiar with this type of insurance and whether you need it to operate legally. Call us at LeapFrog Insurance in San Antonio, TX when you need commercial coverage for your business.

Commercial Auto Coverage

When your business owns a vehicle, you must have a commercial auto policy. This goes for every car that your company owns. This policy must have an amount of property damage liability coverage and bodily injury liability coverage. Having these in place will keep you legal, but it may not be enough to pay for a severe accident. It’s often recommended that you add to these types of coverage and get other types, such as collision coverage. This covers the damage to your business vehicle. If you have a vehicle that your company doesn’t own but is often used for work, a personal policy may not pay out after an accident. You may need a policy called hired and non-owned coverage covering that vehicle. This type isn’t required by law, but it’s often needed. 

Workers’ Compensation

Texas is one of the few places where workers’ compensation insurance isn’t required if you have employees at your business. However, it’s highly recommended that all companies with employees have this insurance. It pays for the medical bills of those employees who get injured while working. 

Get Commercial Coverage

Call us at LeapFrog Insurance in San Antonio, TX to get started.

If your house in San Antonio, TX has been flooded, starting recovery as soon as possible is essential.

Here are some tips from LeapFrog Insurance on what you should do immediately after a flood.

Avoid disaster areas until cleared by emergency services.

Disaster areas are often unstable and dangerous after a flood. Floodwaters can damage buildings and infrastructure, making them unsafe. Debris and contaminants can also be present in floodwaters, making them hazardous to people and animals. Emergency services will assess the area and determine when people are safe to return.

Please reach out to your loved ones to let them know you’re okay.

If you have been affected by a flood, you must let your loved ones know you are okay. This will help to ease their anxiety and worry. In addition, it will allow them to provide you with any support or assistance you may need.

Promptly call your flood insurance provider.

If you have flood insurance, you must promptly call your provider after a flood. This is because you will need to file a claim to receive compensation for any damages caused by the flood. If you wait too long to call your provider, you may miss the deadline for filing a claim, and you will not be able to get any money to help pay for repairs.

It’s always better to be safe than sorry. If you live in an area prone to flooding, it’s a good idea to get flood insurance before a disaster happens. If a flood damages your home, you will be covered. Flood insurance can help you repair or rebuild your home, and it can also help you replace your belongings.

LeapFrog Insurance in San Antonio, TX offers flood insurance to help protect your home or business from flood damage. We offer a variety of coverage options to fit your needs and budget. Please reach out to us today to learn more about our flood insurance options and how we can help you protect your property from flood damage.

Flood insurance is not a requirement under the law in San Antonio, TX. However, your lender may require you to purchase a policy. This is particularly true if they are government-backed. As defined by FEMA’s flood zone map, you will typically be responsible for obtaining flood insurance when your property is in a high-risk area. 

Flood insurance necessitates its own policy, and residents need to know that flood events are not covered by their standard homeowner’s insurance. This is because floods are often widespread and cause damage to multiple residences on a street, in a town, or even an entire region. In addition, the costs are devastating. Average premiums would go up were flooding to be included in homeowners’ indemnification, and this is why it is offered separately. 

Flooding can create havoc with only a few inches of standing water, necessitating dehumidifying with specialized equipment. You may also be dealing with hazardous materials floating in your home in the form of sewage or chemical runoff, especially if you live in a city. Typical homeowners insurance is not designed to deal with these contingencies. 

Your property may be subject to a process that includes applying anti-microbial materials to prevent the proliferation of deadly bacteria and mold. Your LeapFrog Insurance representative can go over the details of what specific things would be covered.

People who should consider flood insurance include those who live in flood plains by a river or creek, are prone to heavy spring showers that create wet weather streams, live near gullies or ditches that overflow during heavy rains, or whose homes are situated in low lying areas where rapidly thawing snow can accumulate, causing flooding. 

LeapFrog Insurance faithfully serves the San Antonio, TX residents, and we invite you to contact us via telephone, online, or in-person to discuss your flood insurance needs.

If it’s time to update or change the insurance policy protecting your San Antonio, TX area home, give the folks at LeapFrog Insurance a call. We’re here to help you with all types of insurance. Our team can answer any questions that you may have about flood insurance.

Benefits of having flood insurance in our area

Protecting your house is a big part of responsible home ownership. There are many benefits to having a flood insurance policy in our area. The main advantage is that it provides an additional layer of protection above the coverage provided by a primary homeowner’s policy. 

The other main reason many folks choose to add a flood policy to their primary insurance is that they typically provide coverage that a primary policy lacks. This means that protection will be in place if a flood damages or destroys your home.

Many homeowner policies do not include protection from flood damage. Of course, your lender will typically require you to carry a flood policy if you live in a flood zone. When a home is located outside of a flood zone, it can make the need for a flood policy a little bit confusing.

The first thing to do is review your current homeowner’s policy to check for exclusions. This exclusion will state that the policy won’t cover any losses due to floods. Adding a flood policy could ensure that damage caused by a flood will be covered. 

We are here to help!

San Antonio, TX area residents can turn to the team at LeapFrog Insurance for help with their homeowners’ policies, flood insurance, or any other insurance need. Give us a call or stop by today!

A lawsuit can destroy a small business. Even a small claim—$25,000 or less—can be expensive to defend and can lead to a cascade of other costs. Even if you win, the costs of defending yourself can be devastating.

LeapFrog Insurance wants to help San Antonio, TX businesses protect themselves from lawsuits. Please read on to learn more!

The Many Types Of Liability

Every business is exposed to different types of liability, from a sole proprietorship to a large corporation, during regular operations. These liabilities can include:

• Product liability: If your business manufactures or sells a defective product.
• Professional liability: If your business provides professional services, such as medical practices, legal advice, or engineering services.
• General liability: If your business provides goods or services to the public, where there is a risk of injury or damage.

How Likely Are You To Be Sued?

We live in a litigious society. According to the Court Statistics Project, Texas currently leads the country in the number of civil lawsuits filed over 2021, with more than 1,000,000. With so many people ready to sue over anything, you need to be prepared.

How Business Insurance Helps

The right type of commercial insurance can help you protect your business when you need it most. Commercial insurance can help cover the costs associated with product liability, professional liability, and general liability. Additionally, it can help cover the costs associated with social cases such as slander or libel. Liability insurance can even help cover the settlements or judgments resulting from a lawsuit you lose. You need liability insurance to help your business stay in business.

Are you a San Antonio, TX business owner? Reach out to LeapFrog Insurance today to discover what we can do to protect your business assets during litigation.

Life insurance pays if you die, and your assets are left to beneficiaries. You can choose to have a limited amount of coverage that will pay out a set amount or higher coverage for a specified amount. The amount of the policy you choose will depend on your expected life expectancy, and it’s usually cheapest when you have hired it for a short period (e.g., a year) to protect your retirement. The coverage is usually highest when you have employed it for an extended period (e.g., 30 years). 

What Is Whole Life Insurance? 

Widows and widowers who want family protection get whole life insurance. It’s often cheaper when you have purchased it pre-paid, but this is not always the case. It pays out if you die before your life insurance policy expires. Your whole life insurance policy is the length of time you buy the insurance and how often you buy it. You can purchase it in different forms, including guaranteed benefit life, guaranteed paid death benefit life, and death benefit insurance. 

How Does Term Life Insurance Work? 

The policy pays out benefits if you die before your term. You won’t receive the full amount up-front, but it will pay out a portion of your benefits each month for some time. It is usually less costly than buying individual life insurance policies. The length of time you buy the insurance and how often you buy it is called your term life insurance policy. You can purchase term life insurance in different forms, including whole life, diversified, and term life annuity. 

Summing Up

Getting life insurance doesn’t just cover your funeral expenses; it also makes sure that your heirs aren’t left without a source of income. It’s crucial to find a life insurance company with a good reputation, as bad actors can put your interests before those of the policyholder. Ask about incentives such as lower rates if you are a repeat customer or make a certain amount of money when the policy is purchased. Whether you decide to get life insurance, you should understand how it works, so you don’t end up with no protection in case of your death. For help, contact LeapFrog Insurance based in San Antonio, TX.

For an aspiring small business owner, starting a company in the San Antonio, TX area can be a great idea. There are a lot of advantages that come with starting a company here, and you could have a lot of success in this growing market. While there are advantages, those that start a business do need to take their insurance needs seriously. A commercial insurance plan offers various forms of coverage that will make it a good investment for your business. 

Protect Company Assets

A good reason for any business to obtain commercial insurance is that it can help protect your assets. Businesses today continue to rely on core assets to ensure their organization is able to run efficiently. If you were to lose any of these assets to fire or another form of loss, it could be a major setback. With a commercial insurance plan, you are going to have the support needed to replace or repair these assets.

Mitigate Liability Risk

You should also get a commercial insurance plan to mitigate your liability risk. When you run any type of business today, you are going to take on liability risks regularly. If there is an accident, you will have to cover the damages. As this could be a big financial hit, having commercial insurance with liability coverage is a great investment and could help to keep your business viable. 

Those that would like to get a commercial insurance plan in the San Antonio, TX area should speak with the team at LeapFrog Insurance. There are a lot of choices to make when looking for coverage and LeapFrog Insurance will give you any guidance that is necessary. This can help ensure you have a commercial insurance plan that will cover your business and help protect your organization’s future.