We’re here to help. Below is a list of frequently asked questions.
If you have a question that is not included here email us at info@rhsb.com.
Business FAQs
Business FAQs
Q: As a growing company we plan to expand nationally and even internationally. Are you capable of handling our insurance needs as we grow?
A: Yes many of our clients have national and/or global presence. Our ownership in Assurex Global provides us worldwide resources to meet the special coverage and risk management requirements of our national and international clients. Assurex is the world’s largest privately held commercial insurance brokerage group employing more than 20,000 professionals and placing over $29 Billion in premium.
Q: Do I have to carry Workers’ Compensation insurance for my business?
A: Texas law does not require employers to carry workers’ compensation insurance. However it is highly recommended. The Texas workers’ compensation system is the method by which covered workers are compensated for work-related injuries or illnesses. Employers without this coverage face unlimited liability including possible punitive damages should they lose lawsuits arising from workplace accidents. Without this coverage employers also lose certain common law defenses if they are sued as a result of on-the-job injuries.
Q: I have a small business with only 2 employees. Can I get health insurance for them?
A: Yes in the state of Texas you are required to have at least 2 employees to obtain Group Medical Insurance.
General FAQs
General FAQs
Q: Are you required to place business with specific carriers?
A: No we are an independent agency. We work with any and all carriers and recommend those that best meet the needs of our clients.
Q: Are you required to place business with specific carriers?
A: No we are an independent agency. We work with any and all carriers and recommend those that best meet the needs of our clients.
Q: If I run into problems when I make a claim will you help resolve them?
A: Absolutely! Our in-house claims professionals are here to make sure your claim is handled quickly and efficiently.
Q: What kind of insurance do you write?
A: We are a full service agency offering all lines of insurance that meet the needs of businesses families and individuals.
Q: I have claims/credit problems. Can I still get insurance?
A: Yes we work with carriers that are very comfortable working with individuals who have claims and/or credit issues.
Personal FAQs
Personal FAQs
Q: Does my Homeowners Insurance cover flood?
A: No but we offer a separate policy that covers flood damage to your home and its contents.
Q: Can I get a discount if I insure both my home and autos with the same carrier?
A: Yes in fact we recommend that you place both coverages with the same carrier for just this reason.
Q: For personal insurance do you insure only homes and autos?
A: No we also insure farms ranches boats RVs mobile homes motor homes motorcycles and in-home businesses.
Q: My employer pays for my medical insurance. Can I find insurance for my children or spouse on a separate plan that is less than what I pay through my job?
A: Yes we can provide individual health plans that offer competitive pricing and broad coverage.