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Raymond Longoria Insurance Blog

View the latest blog posts from Raymond Longoria Insurance.

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Friday, January 15, 2021

Can You Go to the Hospital Without Health Insurance?

The idea of getting medical assistance without health insurance is nerve wracking. Healthcare seems to only grow in expense year to year and it can be difficult to find an affordable policy to cover you and your family. However, there are some circumstances where you must seek medical attention no matter what. READ MORE >>

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Thursday, December 31, 2020

How Many Life Insurance Policies Can You Have?

Since life insurance is designed to cover your loved ones when you are no longer around, it is crucial to have the right amount of coverage in order to provide for those who matter most. As such, some individuals consider adding more than one life insurance policy.  READ MORE >>

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Wednesday, November 25, 2020

Understanding Flood Insurance Structure Coverage

If you live in a flood zone, then you might have a requirement to buy flood insurance. Many people buy plans that are backed by the National Flood Insurance Program (NFIP), the U.S. government’s insurance pool that makes flood insurance attainable for those who need it.  READ MORE >>

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Tuesday, October 27, 2020

Do I Have to File a Car Insurance Claim After an Accident?

Car accidents can be frightening even long after they’re over, and many people wish to file an insurance claim immediately. Some, however, may not want to file a car insurance claim immediately. There are many reasons you may not want to file a claim, such as if you have already had a recent claim or had another accident just drop off of your record. READ MORE >>

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Wednesday, September 23, 2020

Common Property Liability Claims Against Businesses

When businessowners look for general liability insurance, the primary focus is on bodily injury, such as customers slipping and falling. There is another part of general liability insurance, however: property liability. Property liability coverage provides compensation for damages to another person’s policy that may be caused by the business. READ MORE >>

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Wednesday, August 5, 2020

5 Most Common Workers Compensation Claims

  Different jobs come with different risks but may overlap when it comes to the injuries employees may suffer on the job. Normal sprains and strains, for example, can happen at nearly any job, even those that aren’t particularly physically demanding. READ MORE >>

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Wednesday, February 26, 2020

Do I Need To Cover My Freelancers With Workers Compensation Insurance?

There are plenty of successful businesses without a single full-time employee. These are businesses that rely entirely on the contributions of freelancers and contract work. Overhead for these businesses is considerably lower than it is for companies with fulltime staff on-hand. READ MORE >>

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Thursday, January 23, 2020

How To Secure Your Jobsite To Avoid Third-Party Injury Lawsuits

When you're on a jobsite, it's important to protect the public from danger. While you think the active construction may be a sign for people to stay away, there is still a good chance someone will find a way to get hurt and try to sue you. To protect yourself from general liability insurance claims, take these steps to protect your jobsite. READ MORE >>

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Tuesday, December 31, 2019

Does Workers Compensation Insurance Pay For Medical Expenses?

Workers compensation insurance is most commonly known to function as a monthly income to help an employee cover their expenses after being injured on the job, leaving them unable to work. But, the scope of workers compensation extends beyond just getting the bills paid. Workers Compensation Insurance Will Cover Medical Needs READ MORE >>

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Tuesday, November 19, 2019

Do You Need General Liability Insurance When Using a Shared Office Space?

When you own a building, it may make sense to buy a general liability insurance policy, so you don't lose the building in a lawsuit. If you're only renting a small space in a shared building, it may seem like you have little to no risk. But there are several reasons you may need to buy general liability insurance. READ MORE >>

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