We are excited to present our new premier Non Profit Social Services Package Product. Our all-in-one package product provides non profit social service organizations with the opportunity to purchase general liability, property, social services professional, directors and officers and employment practices liability coverage all through one application, one policy and one carrier!

Types of organizations include, but are not limited to the following non profit operations: abused adult shelters, animal shelter/rescue groups, Big Brother/Big Sister, botanical gardens, caregivers, conservation groups, counseling and referral, food banks/soup kitchens, group homes for the mildly handicapped, senior activity centers, thrift stores, transitional housing, vocational sheltered workshops and youth community centers. 

Coverage Features:

• Separate occurrence limits of liability available up to $1,000,000/$3,000,000 for general liability, social service professional and abuse or molestation
• Hired and non-owned coverage available in most states
• Special events coverage available at no additional cost
• Contingent professional liability coverage offered for specific medical professionals
• Separate limits of directors and officers liability with unlimited defense costs outside the limit
• Directors and officers form contains lifetime occurrence reporting period for former directors and officers
• Special cause of loss property form
• Property limits up to $3,000,000 (coastal limit - $500,000)

It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, Secure Protection Insurance can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:

• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.

• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.

• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.

• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.

• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.

To learn more about all an independent agency can offer you, call Secure Protection Insurance at www.spinstx.com or visit progressiveagent.com.

Secure Protection Insurance
9221 LBJ Freeway, Suite 118
Dallas, TX 75243

972-437-1000

www.spinstx.com

The following tips can help you stay safe when faced with treacherous roads:

If you follow these tips but still find yourself in a crash, just remember that what you do after an accident can make a big difference in keeping everyone safe and in helping you and your insurance company work through a claim.

Remember to follow these tips from the experts at Secure Protection Insurance if you get into an accident:

• Stay calm. Stay at the scene but move off the roadway. Warn oncoming traffic by activating your hazard warning lights and/or setting flares.
• Call the police.
• Contact your insurance company to file a claim. The earlier your insurance company knows about the accident, the earlier it can get to work to resolve it.
• Do not admit fault. Only discuss the accident with the police and your claims representative. 
• Exchange information with the other driver(s). And remember to get contact information for any witnesses.

Secure Protection Insurance
9221 LBJ Freeway, Suite 118
Dallas, TX 75243

972-437-1000

www.spinstx.com