Does my home insurance in Oklahoma cover liability if my dog bites someone?

One of the most common questions here at Hexis Insurance is whether or not home insurance policies in Oklahoma City, OK include liability coverage if a dog the policyholder bites someone. The answer, unfortunately, is not a simple one. It depends on various factors, including the breed of dog, the severity of the injury, and whether or not the dog has a history of aggression. 

What Steps To Take For Liability Coverage In Case Of A Dog Bite

You first need to check your policy documents to see if there are any exclusions for dog bites. You should be covered up to your policy limit if no exclusions are listed. However, you may have limited coverage or none if your dog is considered a "dangerous breed," such as a Pit Bull, Doberman Pinscher, or Rottweiler. 

Even if your insurance company doesn’t specifically exclude dangerous breeds, they may still deny your claim if your dog has a history of aggression. That’s why it’s so important to be honest and upfront when you’re applying for home insurance. If you disclose that your dog has bitten someone in the past, your insurer may still offer coverage but at a much higher premium. 

Contact Us Today

If you’re wondering whether or not your home insurance policy in Oklahoma City, OK will cover liability if your dog bites someone, the answer isn’t cut and dry. It depends on things like the breed of your dog, the severity of the injury, and whether or not your dog has a history of aggression. The best way to find out for sure is to check your policy documents and speak with your agent at Hexis Insurance.

Getting Started with a Business Owners Policy (BOP)

Commercial policies vary in type and business use. Your business won’t need every type of commercial insurance available. At Hexis Insurance, serving the greater Oklahoma City, OK area, we can point you to an efficient bundle of policies that most small businesses need.

How a BOP Helps Your Business

These policies come in a business owners policy (BOP) package. A BOP provides the four most common types of commercial insurance at a reduced premium. The business receives coverage for liability, business interruption, property damage, and major perils.

Perils refer to events that can cause damage. Typical perils include fire, tornado, and vandalism. If a business purchased these policies separately, it would cost them more money.

Qualifying for a BOP

Not every business qualifies for the BOP package though. Only small and mid-sized businesses can purchase this bundle. The insurance industry definition of small or mid-sized business refers to those with fewer than 100 employees.

Even a company with a small staff that generates lots of revenue does not qualify. The business also must generate annual revenue of less than $5 million.

High-risk businesses don’t qualify for a BOP. They need a custom policy that covers additional risk and for this, they must pay the typical premiums.

Businesses that don’t meet the BOP criteria include:

  • Financial institutions such as banks,
  • Manufacturers,
  • Car dealerships,
  • Auto body or automotive repair shops,
  • Alcohol-serving establishments, such as bars, pubs, and grills,
  • Amusement parks.

Other high-risk industries also would not qualify. Check with your insurance agent about your specific business.

Get The Right Coverage Today

Contact Hexis Insurance, serving Oklahoma City OK, for more information on obtaining a business owner’s policy. Let us help you insure your business against loss.

Umbrella Insurance Basics

Life can throw some expected challenges our way. It is impossible always to be prepared for everything, but insurance products can help us be prepared for a lot of it. At Hexis Insurance serving the greater Oklahoma City, OK community, we are here to help you make wise insurance choices. Products such as umbrella insurance can help protect you from the truly unexpected twists and turns that life can take.  

What Is Umbrella Insurance?

Umbrella insurance is a unique type of insurance product. This type of insurance provides coverage when other types of insurance have been exhausted. This can be a great safety net especially if you have a lot of assets you wish to protect. 

When Would I Need Umbrella Insurance?

Each type of insurance coverage has a limit on what the policy will pay on a single claim. If that amount is exhausted, and there are still expenses that need to be paid, you will be left with the difference to pay. This could create a huge financial burden if you were unprepared for such an expense. 

If this happens, an umbrella policy can kick in to pay the expenses. 

Who Needs Umbrella Insurance?

This type of coverage is helpful for anyone who wishes to be protected fully against unexpected expenses. It is especially helpful, however, if you have a lot of savings or investments you wish to protect from liability expenses. It is also recommended for people who are involved in high-risk careers or hobbies. 

Get Umbrella Insurance Today

If you would like to learn more about umbrella insurance, please contact us at Hexis Insurance serving Oklahoma City, OK. 

What OK residents need to know about protecting their homes from weather-related damage

Hexis Insurance is the agency that the greater Oklahoma City, OK community relies on for all of its insurance needs. If you have questions about the available home insurance policies that are available in our area, give us a call today to learn more. We look forward to working with you! 

Keep your home safe from weather-related damage

Stormy weather can cause a lot of damage to your home if you aren’t prepared. When it comes to getting your home ready and protecting it before a storm hits, there are a few common-sense tips to follow. The most important thing to focus on is your roof. Making sure that there aren’t any loose or damaged shingles before a storm can help to prevent a lot of damage. Having a well-maintained roof can also protect your home from future flooding.

Next, be sure that all of the landscaping around your home is trimmed and properly cared for. Loose tree limbs and shrubbery branches can cause a lot of damage if they come loose during a storm. You will also want to avoid having any other objects become projectiles. This includes patio furniture and any decorative ornaments that you may have in your yard or garden.

By keeping your house and yard well-maintained throughout the year, preparing for an upcoming storm will be straightforward and easy to do. Make sure that your homeowner’s policy is up to date, too! Now is a great time to upgrade your policy. 

We look forward to working with you!

Residents in the greater Oklahoma City, OK area rely on the team at Hexis Insurance for all of their insurance needs. If you need insurance, we can help! Call or stop by our office today.

How Often Should I Review My Commercial Insurance Policy?

As a business owner, it’s crucial to stay on top of your commercial insurance policy. Insurance needs can change quickly, so it’s important to review your policy regularly to ensure you’re still protected.  Hexis Insurance in Oklahoma City, OK can help you navigate this important insurance coverage. Here we discuss how often you should review your policy and what to look for when you do.

Review Every Time You Make a Change

You should review your commercial insurance policy every time you make a change to your business. This includes changes like:

  • Adding or removing employees
  • Adding or removing locations
  • Changing the type of products or services you offer
  • Making changes to your company’s structure or ownership

If you don’t review your policy when these changes occur, you could be left without the coverage you need. For example, if you add a new employee but don’t update your policy to reflect this change, that employee may not be covered in the event of an accident.

Review When You Make Property Changes

You should review your policy whenever you make changes to your property, such as adding or remodeling a building. You may also need to adjust your coverage if you change the way you use your property, such as renting out a portion of it. Additionally, if the value of your property changes, you’ll want to be sure that your coverage limits reflect that.

When You Get New Equipment

You’re in business to make money, which usually means acquiring new equipment. If your policy is more than a year old, it’s time for a review. Talk to a professional agency such as Hexis Insurance in Oklahoma City OK to get help determining if your coverage is adequate.

Review Every Year

Even if you don’t make any changes to your business, reviewing your commercial insurance policy at least once a year is a good idea. This will ensure you’re still getting the best possible coverage for your needs.

Contact Us Today

It’s important to keep your commercial insurance policy up-to-date. Review it whenever you make changes to your business, property, or equipment. At Hexis Insurance in Oklahoma City, OK, we can help you ensure that you have the coverage you need. Give us a call today for a comprehensive review.

How Does Umbrella Insurance Work?

Umbrella insurance may help protect you against the cost of having to make multiple claims against a single insurance policy. For example, you might purchase insurance that covers your home against fire but also covers your furniture against fire, as well as your carpets against theft. To get expert advice in Oklahoma City, OK and surrounding cities, call the team at Hexis Insurance. 

What Does Umbrella Insurance Entail 

An umbrella policy will cover you in the event that any of your covered risks causes a loss. Most policies will cover a certain amount of money for each risk, and if one of your covered risks causes a loss, your insurance company will help you pay for the loss from the other covered risks. This can help protect you if one of your covered risks causes a loss by increasing the amount of money you have to pay for the loss. 

The umbrella insurance can protect you against many different types of risks, including things like loss of income, liability, medical bills, property damage, and more. Most umbrella policies have limits on what they will cover, so make sure you know what yours cover and what it doesn’t. 

A primary insurance policy provides coverage for a single event, such as a car accident or fire. An umbrella policy fills in as a backup when the primary insurance policy does not cover something. The most common types of umbrella policies are property, liability, and medical. Oftentimes, you can find a cheaper umbrella policy than the one you have now. 

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Umbrella policies can help protect you in case of a loss from another cover. For instance, if you have a boat, the policy covers beyond your watercraft’s liability cover. Umbrella insurance can also cater liability claims not covered by policies such as false imprisonment, slander, and libel. For assistance in the greater Oklahoma City OK community, call Hexis Insurance.

Home Insurance Tips for First-Time Buyers

Owning your first home is an exciting time. It’s a big step – both financially and emotionally. But along with the pride and satisfaction that comes with being a homeowner, there’s also a lot of responsibility. One of the most important things you need to take care of is making sure your home is properly insured. Hexis Insurance in Oklahoma City, OK provides a few tips to help you get started. 

Home Insurance Tips for First-Time Buyers

1. Ensure You’re Covered for the Right Amount

The first thing you need to do is make sure you’re insured for the right amount. That means having enough coverage to rebuild your home from scratch if necessary. The best way to determine the right amount of coverage is to get a professional home appraisal. Once you have that, you can work with your insurance agent to ensure you have the right coverage.

2. Choose the Right Coverage

There are two main types of home insurance coverage – named perils and all risks. Named perils policies cover damage from specific causes, such as fire or theft. On the other hand, all-risk policies provide coverage for any type of damage (with some exceptions) regardless of the cause. Which type of policy is right for you will depend on several factors, including the age and condition of your home, your location, and your personal preferences.

3. Consider Getting Additional Coverage

In addition to the standard home insurance coverage, there are also several optional riders or endorsements you can add to your policy. These can provide extra protection for things like jewelry, art, or collectibles. They can also cover things like sewer backup or flooding (which are not usually covered by standard home insurance policies). Talk to your insurance agent about which riders or endorsements make sense for you.


Give Us A Call

As you can see, there are a few things you need to keep in mind when it comes to insuring your first home. Hexis Insurance in Oklahoma City, OK can help you make sure you have the right coverage for your needs. Give us a call today to learn more.

How commercial insurance can save your small business

Small businesses are always in danger of being crushed by a hazard. So many things can cause a small business to fail. Having commercial insurance can provide a layer of protection against many of the most obvious things that can go wrong. At Hexis Insurance in Oklahoma City, OK, we will personalize your commercial insurance for your business. Not every business has every risk and you only need to have commercial insurance that is appropriate to your particular business. By getting to know you, we can do that.

Benefits of Commercial Insurance

If your property is destroyed or damaged by a covered hazard, you may not be able to do business. In order to get back up and running as quickly as possible, you need to have good property insurance. Property insurance will help you rebuild your physical building if you own the building, but if you are a renter, it will help to pay for all the things you need to replace in order to be able to do business. What these things are, depends on exactly what type of business you have. 

Liability insurance is what you can count on to help you survive legal action against you. As a small business, you stand a very good chance of being involved in legal action against you. This can be very expensive and can damage your bottom line. With commercial liability insurance,  you will have the protection you need to survive being sued. 

Business interruption insurance can really make the difference between surviving and having to close your business. This insurance will help to pay the bills and payroll when you don’t have any business income coming in due to a covered interruption. 

Contact Hexis Insurance in Oklahoma City, OK to discuss how best to protect your small business.

What is umbrella insurance and why should I have it?

For those who live in the Oklahoma City, OK area, Hexis Insurance has a lot to offer. We are locally owned so we know the market and we believe in helping our customers to find the perfect policy to meet their particular needs. As independent agents, we do the work of checking multiple carriers for you and make suggestions about what will work for you

Umbrella insurance is a very misunderstood kind of insurance. The name really doesn’t tell you anything about what this insurance covers. It is definitely not insurance on your umbrella. What it is is excess liability coverage. What that means is that you have a primary policy with liability protection like home or auto insurance and an umbrella policy offers an additional layer of protection. You can’t have an umbrella policy unless you already have a policy with liability. 

Liability protection helps you in the event someone is injured and sues you. If you have a traditional amount of liability coverage on your primary policy, it may not be enough if there is a large judgment against you. Given how prone people are to suing these days and the size of the judgments that are awarded, it makes sense to protect your assets with an extra layer of protection. ‘

Your primary policy will pay out until it reaches its limit and then the umbrella policy will kick in. Most umbrella policies are a minimum of a million dollars and can go a lot higher depending on the number of assets that you need to protect. You work too hard to accumulate your wealth to lose it all to an unfortunate occurrence. 

When you are in the market for umbrella insurance, Hexis Insurance in Oklahoma City, OK, can help you to get the coverage you need. 

Home Insurance Policy Mistakes To Avoid

Hexis Insurance is an independent agency. We are committed to helping Oklahoma City, OK residents find the coverage they need to protect their assets. We offer our clients multiple types of policies to ensure that they are covered regardless of what life brings their way. Searching for the right insurance can be complicated at times. Hexis Insurance is here to simplify the process for you.

Home Insurance Policy Mistakes To Avoid

Home insurance provides coverage to your Oklahoma City, OK residence. The policy covers both the interior and exterior of your home against possible damage. Natural disasters may occur in Oklahoma occasionally. Home insurance covers your property if it is damaged due to a natural disaster. The policy also covers any damage to your personal items inside the home. Liability coverage is another significant part of your policy. Liability coverage protects you if you accidentally damage someone’s property or if one of your friends gets injured on your property. While looking over your home insurance policy, avoid these common mistakes.

Failing To Take Inventory

Taking inventory is important because it allows you to verify all of your possessions inside the home, and it makes the process run smoothly if you are a victim of theft in the future.  You want to avoid any complications regarding a lost or stolen item.

Failing To Perform Proper Maintenance

You have to take care of your home. If your home starts to suffer damage because you aren’t taking proper care of your home, your insurance may not cover the necessary repairs. Common issues where you may be left unprotected include mold development or rodent/termite damage.

Failing To Plan For Renovations

If you plan to make renovations to your home within the next 5-10 years, make sure that you amend your policy so that you will continue to have full coverage.

Hexis Insurance Will Help You Protect Your Assets

Visit our website to learn more information about home insurance.