Blog

At Mike Lively Agency LLC, we want our West Texas clients informed when it comes to the insurance topics related to the solutions we have available. Our blog serves as a great resource to find out more about protecting you and yours.

We know some of the language we use may not always sound familiar, so feel free to use the insurance glossary by pressing the button below.

Insurance Glossary

Why Your Electricians Need Commercial Auto Insurance Coverage

Nov 15, 2024

Imagine Alex, an experienced electrician running a growing contracting business with a fleet of service vans. One morning, while navigating through busy city streets to a job site, one of Alex’s electricians accidentally rear-ends another car. The accident leads to...

Understanding Workers’ Compensation Insurance for Electricians

Nov 12, 2024

Meet Jake, a skilled electrician with years of experience handling everything from basic wiring jobs to complex installations. On a routine job at a local construction site, a split-second misstep caused Jake to trip and suffer a severe wrist injury. For Jake and...

Why Electricians Need General Liability Insurance

Nov 9, 2024

It’s a quiet Tuesday morning, and Liam, a self-employed electrician, is on his way to a job at a client’s house. Halfway through the work, he accidentally knocks over a fragile antique lamp, breaking it. Just as he's about to apologize, he realizes the client is more...

Cyber Liability Insurance for Electricians

Nov 7, 2024

Meet Dennis, a seasoned electrician who prides himself on delivering reliable service and managing a small team across multiple job sites. Like many electricians today, Dennis uses digital tools for invoicing, scheduling, and managing customer information. One day,...

Proper Insurance Coverage for Electricians

Nov 5, 2024

Imagine an electrician named Carlos, known around town for his skill and precision in handling electrical systems. One day, while working on a large commercial project, Carlos installed a complex lighting setup. Everything went smoothly until a few weeks later when a...

How to File an Insurance Claim for Your HVAC Business

Nov 1, 2024

For HVAC contractors, staying prepared for the unexpected is a key part of maintaining a successful operation. With daily responsibilities spread across job sites and client calls, accidents are bound to happen—whether it’s a client’s property getting damaged during...

Why Do HVAC Contractors Need Inland Marine Insurance?

Oct 29, 2024

Let’s picture a day in the life of Tony, an HVAC business owner with a reputation for tackling even the trickiest jobs. One busy afternoon, Tony and his crew load up their truck with essential equipment and head to a client’s location across town. On the way, they hit...

How to Choose the Right Commercial Property Insurance for Your HVAC Business

Oct 25, 2024

Running an HVAC business in Midland-Odessa requires staying prepared for a variety of risks. From storm damage to unexpected equipment failures, protecting your business assets is critical to keeping operations running smoothly. Let's imagine a scenario: Martin, a...

What is Umbrella Insurance for HVAC Contractors and Why Do You Need It?

Oct 22, 2024

It was just another routine day for Mark, an HVAC contractor who had been in the business for over 15 years. He’d tackled countless jobs, from residential air conditioning units to major commercial systems. But one day, while working on a large installation project...