HOW CAN WE HELP YOU?

callClick to Call
Ledford Agency LLC

1910 N Big Spring St
Midland, TX 79705

google-mapGet Directions

Does auto insurance cover me or my vehicle

Posted on by admin

When you own or lease a vehicle, having the best auto insurance you can afford gives you peace of mind. In an ideal world, you would never drive any car but your own, and no one but you would ever drive your vehicle. Unfortunately, you don’t live in an ideal world, and the chances are good that you will drive a different vehicle at one time or another, and someone else will drive yours. Whose insurance provides coverage is a question many people have. When you have insurance questions, Ledford Agency LLC in Midland, TX is here to answer them. We place our customer’s needs first, and you can count on us to be there for you. 

When it comes to auto insurance covering me or my vehicle, the answer is insurance covers your vehicle. If you have drivers in your family who live with you, they should be listed on your auto insurance as a driver. This way, they can drive your car without issue. If you drive someone’s vehicle, their insurance covers you. If, however, you drive a rental vehicle, your insurance may cover you, be sure to check with your carrier. 

If there is someone who might not live with you but who is a regular user of your vehicle or vehicles, such as a caregiver or a nanny, you may also be able to add them to your policy. But in this case, you should check with your insurance carrier to see how they want you to handle this. When someone uses your car with your permission, they are covered by your insurance. If they have an accident, you will have to pay the deductible to get your car repaired. If your car is used without your permission, the driver’s insurance bears responsibility. 

Contact Ledford Agency LLC in Midland, TX for all your insurance needs. 

How Your Business Can Prevent a Data Breach

Posted on by admin

Many companies, large and small, retain customer information. Whether it is addressed, account numbers, social security numbers, or credit card information, your customers need to know their personal info won’t be leaked or stolen by hackers. The insurance company, Ledford Agency LLC, which serves the Midland, TX area, has agents that can help you with your commercial insurance needs.

Preventing a data breach is a serious concern for businesses operating online. You can do several things to protect your business from a destructive breach that cost you thousands or even millions of dollars, depending on the level of customer impact.

  • Keep only what you need. Purge your files regularly of things you don’t need to be stored on your drives. Shred paper documents that are no longer needed that contain customer information. Erase and discard CDs and portable drives with outdated information.
  • Only use up-to-date security software. Hackers are always trying to break through current security firewalls. Make sure that your software has the latest version to prevent unauthorized access.
  • Use a verification system. Having your employees use multi-factor authentication is a simple way to prevent someone from accessing their employee account. You must provide two or more pieces of evidence before you gain access to the system with multi-factor authentication. Evidence could include the name of your first pet, your favorite movie, or your mother’s maiden name.
  • Restrict internet usage. If your company has an intranet, then only allow access to that system. Prevent access to the internet or unauthorized sites. Give permissions to limited personnel who need supplemental access for their jobs.

Commercial insurance can’t help you prevent a data breach, but it can help you have one. A Midland, TX company, Ledford Agency LLC can offer commercial insurance information in case of a data breach.

5 Instances You Should Discuss Making Changes to Your House with Your Insurance Agent

Posted on by admin

Your standard homeowner’s insurance can give you basic liability protection for your home and possessions as they are when you are insured. However, life happens, and changes are often made. 

Ledford Agency LLC in Midland, TX can help you with changes in your homeowner’s policy. Our experienced staff has worked with countless homeowners over the years to get the best and most affordable policies to suit our clients’ changing needs.

Contacting Your Agent About Changes to Your Home

If you are considering adding or changing your home in some way, whether, with a bathroom remodel or basement makeover, it is helpful to know what will and will not be covered by your homeowner’s insurance. Some common home and property that affect insurance are:

  • Installing a pool – Pools can have a double effect of adding value while adding liability. Getting more liability coverage will be wise in the event of an accident involving outside parties.
  • Renovating major rooms like the kitchen – These improvements can add a lot of value to a home, especially if high-end fixtures and furnishings are used, increasing insurance needs. 
  • A new roof – This can be a significant project that could save money in the long run. Insurers may give discounts for new roof builds in some cases.
  • Adding a home business office – Depending on how large your home business is or how expensive equipment and assets are, you may need additional coverage beyond what homeowners cover.
  • Expansions and additions – Adding new rooms and spaces to your home tend to increase the value meaning more insurance will likely be needed.

Your Texas Insurance Agency

Doing a home remodel can be a significant investment. It can get costly and detailed. At Ledford Agency LLC in Midland, TX, our agents are here to help. Contact us today to discuss your homeowner’s insurance options.

STATES SERVED

  • Texas
  • Oklahoma
  • New Mexico
  • Arizona

Archives

Categories