Oklahoma City Small Business Insurance

There are a lot of difficult decisions that must be made after a divorce. One often overlooked item that should be reevaluated is your home insurance policy. Because while you may be in the same home post-divorce that you were pre-divorce, there have probably been enough changes around the property that a home insurance overhaul is needed.

Reduce deductibles: If you have been divorced from a wage earning spouse, then you will be adjusting to living on less income than you were before divorce. But even if you divorced a stay-at-home spouse, your expenses may be higher now that you need help filling the roles that you relied on your ex-spouse to fill. This means that you have some budget changes to make and it may also mean that the deductibles you have are no longer suitable. Finding a deductible that you can afford that also gives you a premium that works for your budget, is an important move. While high deductibles can reduce overall premiums, they leave a large liability on your shoulders that could pose a great financial risk if you can't afford to pay them.

Reduce contents limits: When your spouse moved out, he or she may have taken some of your joint property with them. The limits on the contents coverage for your home insurance policy likely includes the value of the items that they were awarded during the divorce, so reducing your limits to reflect the value of the items you kept is important.

Liability limits: If your household income and savings was adversely affected by the divorce then you may want to consider raising the limits of the liability portion of your Oklahoma City home insurance policy or looking into an umbrella policy. With higher limits, you run less risk of having to pay out of pocket for liabilities because their expense exceeds your insurance benefits.

Search for discounts: As you overhaul your coverage limits and deductibles, it's a good time to take a look at discounts you may qualify for as well as those you don't qualify for, but could by making some easy changes. Also, mention to your agent any risk reductions that have occurred since the divorce, such as the relocation of a dog whose breed made your home insurance more expensive.

It's important that you start looking out for yourself as soon as possible after a divorce. One of the ways you can do so is by working with your insurance agent to restructure all your insurance policies so that they fit your post-divorce budget, needs and risks, and not your pre-divorce life.

Make sure you have the best possible option for your Oklahoma City homeowners insurance policy with Alexander & Strunk today!

Business Insurance

Provides coverage for exposures such as equipment and buildings. Expanded coverage could include production, inventory, specialty items, income, automobiles, liability and more.

The costs associated with replacing your building and business property could devastate your bottom line. The key to your business' survival when a disaster strikes is quickly replacing your income, your building and your property. With a variety of options available, it's important to know Alexander & Strunk addresses your concerns and needs. Ask us about strategies to maximize your protection.

Property & General Liability Insurance
Provides coverage for accidents that happen in the course of your business.

Anything can happen in the course of operating your business and unfortunately accidents happen. In these litigious times you need protection due to the unforeseen allegations made against your products, services and premises. Alexander & Strunk takes the time to evaluate your business and identify potential exposures that jeopardize it. When faced with a claim defending your good name keeps your reputation in tact and lets your customers know you are here to stay.

Business Auto Insurance
Provides coverage for your fleet and your employees.

Whether your company owns a few vehicles or an entire fleet, you need protection against potential damages and liabilities. Our Business Auto Insurance will not only provide coverage for your actual vehicles, but also liability while your employees are driving for you. With variable types of coverage available, your policy can be manipulated to fit your company's unique needs.

Workers' Compensation
Provides medical and compensation benefits to employees injured on the job.

Most workers' compensation policies are written based on the state statute; however, not all workers' compensation insurance agents are the same. We take the time to review your business classification(s), payroll, loss history, deductible, exposures and limits to discover the best fit for your business. There are many variables in workers' compensation and overlooking one can cost you plenty.

Directors & Officers Insurance
Protection for directors and officers against work-related lawsuits.

In today's litigious environment, all kinds of workplace decisions and actions can leave you and your good name vulnerable to a lawsuit. Many of the claims brought against employers involve personnel and staff. Even with strict, clear-cut policies in place, vigilant directors and officers still require this necessary protection against claims including discrimination, wrongful termination, harassment, contract disputes and privacy issues, among others.

Employment Practices Liability Insurance
Protects corporations, directors, officers and employees from employment-related claims.

Employees and even job applicants bring countless claims against companies and their personnel each year. Part of running a sound business is providing adequate protection against the potential of employment practices-related claims including wrongful termination, discrimination, sexual harassment, wrongful discipline, failure to employ and more.

Health Insurance
Medical insurance for you, your family and/or your employees.

Health insurance is a necessity for all of us. With health care concerns continuing to grow across the nation, we understand that not one medical plan fits all. That is why we offer a variety of plans specific to your needs from the tax-driven Health Savings Accounts and High Deductible Health Plans to traditional group and individual plans.

Disability Insurance and Business Overhead Expense
Helps you maintain your livelihood during physical setbacks by providing a guaranteed income for you or your business.

Your income depends on your education, skills, experience and relationships. Disability and Business Overhead Expense coverage offered by Alexander & Strunk helps offset the financial burden if you become disabled. And we also understand the importance of key people in your organization. That's why group disability plans are available for your company. This is another great way to enhance your benefits package and communicate the value of those who rely on you.

Life Insurance
Can provide financial protection for your family, business, partners and other obligations.

You may have a family that relies on you, kids that need to further their education or a contract to fulfill. That's why offering your employees a life benefit is a great way to give back a little security to those who rely on them. Individual and group policies are great insurance products to fill the financial void of an untimely death. You know your financial situation, so let us help you insure the financial gap between your success and those you leave behind.

Free booze? Free food? Having fun in a button down shirt and tie while trying to avoid doing anything you'll regret on Monday? Ah, it must be company party season again.

Company parties are the stuff of legend. Embarrassing, alcohol-fueled incidents involving the copy machine, lamp shades and other office equipment are constantly referred to in stories, on television and in movies-and not from nothing. Company parties do have a well-deserved reputation for creating an environment primed for actions sure to be regretted once the alcohol has left the body.

But hey-that's not really your problem, right? After all, you are simply throwing the party-it is up to your employees to know how to act appropriately and handle their liquor.

Or is it?

As it turns out, there are many liability issues that you, as the business owner and host of the party, could be exposed to if any of your employees gets out of hand, damages company or another employee's property, or offends anyone.

The best way to protect yourself from any injuries, offensive remarks, or other problems encountered at the company party is to make sure you have the right liability coverage. For the ultimate protection, there are a few different types of coverage you should have in place.

1. General liability: General liability will cover many of the situations and damages that could arise during a party, and it is a coverage that your business needs every day-not just during company party season.


2. Workers compensation: Workers compensation coverage will protect you and your employees should an injury that results in a temporarily or permanently disabled worker arise at the party.


3. Liquor liability: One of the most important types of insurance for you to have if you decide to throw a company party is liquor liability. With liquor liability coverage you can ensure that your business is not exposed to the risks innate with people who are drinking. Whether an employee drinking at your party hurts him or herself, or another person, or alcohol is in some way involved in some other event, liquor liability will shelter your business from the damages associated with the event.

No matter how tight your company's budget is, liability insurance is not the place to try and scrimp and save. Make sure you have the right coverage before you throw your party and then enjoy all the silliness the night has to bring.

When it comes to safeguarding your practice and reputation, no one understands your needs better than Alexander & Strunk. We're leaders in providing exceptional professional liability polices for the medical profession. When it comes to safeguarding your practice and reputation, no one understands your needs better than Alexander & Strunk. We're leaders in providing exceptional professional liability policies for the medical profession. In Oklahoma, over 90% of dentists trust A&S for insurance advice and products. We are proudly endorsed by the Oklahoma Dental Association. A&S is the exclusive agency for Fortress Insurance Company rated "A" by A.M. Best, the highest rating for a mono-line carrier. Fortress offers aggressive claims defense and excellent risk management assistance.