Protect your Oil and Gas firm from well blowouts with a control of well policy

Barry Insurance Group understands the Oil and Gas industry and is here to help well owners in the greater Pearland, TX area protect their well assets and interests. If you require a control of well policy, we are here to help!

Protect your firm from well blowouts

Owning and operating oil wells comes with a high level of operational risks. Well blowouts are an unfortunate part of doing business and can be financially crippling if a firm or owner doesn’t have adequate insurance protection in place.  

With an appropriate policy, firms can receive coverage for well blowouts and many of the expenses that come with such an event. There are policies available that provide protection from blowouts with clean-up and repairs being two of the most commonly covered situations. 

The oil industry experiences a lot of cyclical movement, and having the right protection in place can help keep your wells operational as often as possible. Without a control of well policy in place, a well blowout could be a catastrophic event that causes irreparable financial damage. 

Now is an ideal time to review your current insurance coverage and determine if more is necessary. Oil and gas firms can benefit from having robust insurance.

A control of well policy can help reduce your firm’s operational risk level

Oil and gas firms and well owners in the Pearland, TX area can turn to the team at Barry Insurance Group for all of their insurance needs. Oil blowouts can be a part of doing business in the oil and gas industry, and having the right policy in place can help protect your financial investments. Give us a call or stop by our office today to find out more.

Three things to do before purchasing flood insurance

Many homeowners need to invest in flood insurance to protect themselves financially against disasters that could severely damage their homes. At Barry Insurance Group in Pearland, TX., we offer flood insurance coverage to homeowners. 

The following are three things that homeowners should do before they select a flood insurance policy:

Gauge flood risk

It’s important to be aware of the flood risk of the area in which your home is located. If you are in an area that is designated as a flood zone, you should know which flood zone designation your area has been given.

Your flood zone designation will impact the costs of flood insurance in your area, so it’s important to know if your area has been declared a high, moderate, low, or undetermined risk flood zone. 

Understand flood insurance requirements

You might be required to carry flood insurance by your mortgage provider. If this is the case, you should find out how much flood insurance you are required to carry.

Remember that flood insurance is not usually included in home insurance policies and generally must be purchased separately. 

Research government programs that help you get flood insurance

You definitely need to look into FEMA-subsidized flood insurance if you are in a high-risk area. FEMA manages the National Flood Insurance Program (NFIP), which is available to homeowners living in any of the 23,000 communities that participate in the program in the US. 

While NFIP insurance may be less expensive than private insurance for some homeowners, this isn’t the case in every situation. That’s why homeowners need to do their research and get quotes on numerous policy options. 

Give Us A Call

If you have questions about flood insurance, get in touch with us at Barry Insurance Group in Pearland, TX. We can assist you in protecting yourself financially with an appropriate flood insurance policy. 

What Are The Benefits Of Having Health Insurance?

Health insurance is something that is vital for everyone. It can be a lifesaver in times of emergency, and it can help you get the medical care that you need when you need it. Barry Insurance Group in Pearland, TX can help you navigate this important coverage.

These are some of the benefits of having health insurance:

1. Health Insurance Can Help You Pay for Unexpected Medical Bills

If you are ever faced with an unexpected medical bill, health insurance can help you pay for it. This is one of the most important benefits of having health insurance. Unexpected medical bills can be a financial burden and cause a lot of stress. With health insurance, you’ll have peace of mind knowing that you can get the care you need in Pearland TX, without having to worry about how you will pay for it.

2. To Safeguard Your Family’s Health

Your family is your life. You want to do everything you can to protect them. Having health insurance is one of the best ways to safeguard your family’s health. If something happens and your family member needs medical care, you’ll be able to get it for them without having to worry about how you will pay for it.

3. To Fight Lifestyle Diseases

Lifestyle diseases result from poor diet and lifestyle choices, such as obesity, heart disease, stroke, and diabetes. These diseases are expensive to treat and often require lifelong care. Having health insurance can help you afford the treatment you need to manage your condition.

4. To Protect Your Savings

Medical bills can be very expensive, and if you don’t have health insurance, you may have to pay for them all out of pocket. This can quickly deplete your savings and leave you in a difficult financial situation. Having health insurance from Barry Insurance Group can help you protect your savings and keep your finances healthy.

Give Us A Call

These are just a few of the benefits of having health insurance. If you don’t have health insurance, we encourage you to consider getting it. It can be a lifesaver in times of need and help you afford the care you need to stay healthy. Barry Insurance Group in Pearland, TX specializes in health Insurance plans for individuals, families, and businesses as well as other insurance coverages. Contact us today to learn more.

3 Beautiful Memorial Traditions from Around the World

Cultures from all over the world have a rich tradition of memorials for their departed loved ones. These traditions can vary significantly from country to country. In some cases, these practices are as ancient as human civilization itself. Please enjoy these memorial traditions on behalf of Barry Insurance Group in Pearland, TX. Remember, we offer life insurance coverage to protect your family and their future to increase your peace of mind. 

Memorial Traditions Around The World

The Fantasy Coffins of Ghana

Ghana is a gorgeous country on the west coast of Africa. Among the complex cultural traditions, one unique custom is fantasy coffins. These are coffins with carved images and designs meant to reflect the personalities and passions of the deceased. Examples include coffins shaped like sunglasses, soda bottles, and even a hot air balloon.

South Korea’s Burial Beads

South Koreans developed a unique way to commemorate their loved ones’ cremains: having them made into beads. Due to a law that requires families to dig up the dead after 60 years to make room for the newly deceased, many families have switched to cremation. Instead of opting for an urn, they have the ashes blown into glass beads that hang up somewhere special in the home.

The Mexican Day of the Dead

The concept of the Day of the Dead is ancient. It was likely brought to Mexico by the Aztecs. It is a day when Mexican people celebrate the spirit of the dead. Families decorate their streets and houses with flowers, candles, and photos of deceased loved ones. Each family has a special place where the decorations represent the dead members.

Take Care of Your Family Today

Various cultures throughout the world have different customs when it comes to how they honor the dead. No matter how you want your life to be remembered, it’s essential to ensure your loved ones are taken care of when you’re gone. Barry Insurance Group can help you find the right life insurance policy in the greater Pearland, TX area. Please reach out to us today.

Why basic auto insurance may not be the right choice for you

Texas doesn’t require that you have auto insurance, but it does require that you show you have the means to pay for any damage you may cause to someone else. Most people find that it is easier to just have auto insurance than to prove they can pay for the results of an accident. At Barry Insurance Group in Pearland, TX, we are independent agents and have access to many carriers meaning that we provide our customers with more choices. 

Why basic auto insurance may not be the right choice for you

In Texas, basic coverage is 30/60/25. If only one person is injured the insurance will provide $30,000 coverage, if more than one person is injured, the total can’t go over $60,000. It also allows $25,000 for damage to property. This may sound like a pretty generous amount for basic insurance but think about what a stay in the hospital costs. It could go way beyond the minimum allowed in just a few days to say nothing of a judgment. 

If you have assets, they could be in danger if your insurance is not enough to pay for any damages you cause. 

Are you leasing your vehicle or do you have an auto loan? Then basic auto insurance is not going to be enough. You will be required to have collision and comprehensive to protect your vehicle as well as other people. 

Think about what your life would be like if your car was totaled in an accident you caused and you have no collision or comprehensive coverage. How would you get to work? How would you run errands? Can you live without your vehicle? Most people need a car to survive in suburbia. Think about that before you opt for basic coverage. 

Contact Barry Insurance Group in Pearland, TX for an auto insurance review or a new carrier for your vehicle. 

Top 3 Things to Look for in a Commercial Insurance Policy

When it comes to finding the right commercial insurance policy, it can be tough to know where to start. There are so many options available, and each policy seems to cover something different. How can you be sure you’re getting the best coverage for your business? Barry Insurance Group in Pearland, TX offers you a guide on choosing a commercial insurance policy. 

Top 3 Things to Look for in a Commercial Insurance Policy

1. What the Policy Covers

When choosing a commercial insurance policy, the first thing you’ll want to look at is what exactly the policy covers. What types of events or accidents does it cover? Does it cover property damage, liability, or both? For example, a liability policy will protect your business if someone is injured on your property, but it won’t cover any damage to your property itself. On the other hand, a property damage policy will cover damage to your property but not any injuries that occur on it.

2. The Policy Limits

When choosing a commercial insurance policy, the second thing to look at is the policy limits. This is the maximum amount of money the insurance company will payout in the event of a covered accident or event. It’s important to choose a policy with limits that are high enough to cover the potential damages your business could face. Otherwise, you may be left footing the bill yourself if something happens.

3. The Deductible

Unfortunately, some business owners make the mistake of overlooking the deductible when selecting a commercial insurance policy. This is the amount of money you’ll have to pay before your insurance company starts paying claims. A higher deductible means a lower premium, but it also means more risk for you if something happens. Choose a deductible that you’re comfortable with and that fits your budget.

Get Commercial Insurance in Pearland, TX

If you’re looking for commercial insurance, keep these three things in mind. Barry Insurance Group offers various commercial insurance policies, so we can help you find the right one for your business. Contact us today to learn more or get a quote.


What Doesn’t Homeowner’s Insurance Cover?

Though home insurance is made to protect your investment, the truth is that it won’t cover everything. Because of that, you need to make sure that you talk to someone to make sure that your investment is protected. Barry Insurance Group in Pearland, TX encourages you to learn more about your homeowner’s insurance. 

What Doesn’t Homeowner’s Insurance Cover?

Earthquake and flood damage. Most typical homeowner’s policies don’t cover earthquakes and flood damage. If you live in an area where earthquakes or floods are common, you may want to add that coverage to your homeowner’s policy. 

General maintenance. If you don’t take care of your home, your homeowner’s insurance may not cover any damage that occurs. If something breaks that could have been prevented, if you had taken care of your home, you may have to pay for the repairs yourself. 

Limits on personal property. Your homeowner’s policy will set limits on how much it will actually cover. It will cover your possessions up until a point. If your jewelry, artwork, or electronics are high-end, you may want to add an umbrella policy to your insurance to make sure that it covers everything. 

Your business. If you run your business out of your home, it won’t be covered under your homeowner’s policy. You will need a separate business insurance policy to make sure that you are covered. 

In order to make sure that you are fully protected, you need to talk to a professional. Here at Barry Insurance Group in Pearland, TX, we would be glad to sit down and talk to you about your options. We want to make sure that you have enough insurance, in case anything happens. We don’t want you to lose your home over something that could have easily been prevented. 


Add-ons for Well Control Insurance

Add-ons for Well Control Insurance

When you come to Barry Insurance Group for well control insurance for your Pearland, TX exploration or extraction business, you expect and deserve an insurance policy that provides precisely what your business needs. That is why we offer numerous add-ons to your well control policy.

You need to cover more than just the blowout itself. When you lose control of your well through a blowout, your business will likely experience many other problems related to the spill. The extreme combustibility of oil and gas can result in a fire or explosion. This can harm your employees and damage your rig. The blowout itself causes seepage and oil puddling, which harms the environment. You must pay for the environmental cleanup. You’ll need to restore your well to working order, and this might require redrilling.

Depending on the location of your well, you might need to increase your coverage for pollution cleanup. Off-shore operations require added insurance coverage. These off-shore operations also require added coverage for redrilling and restoration.

Increasing the workers’ compensation coverage tied to your well control policy also makes logical sense. Your employees could incur life-altering injuries during a blowout. You show your value as an employer by fully protecting them.

During a blowout, you won’t be able to operate your well. Adding business interruption coverage to your well control policy package protects your overall business from the loss of production.

It is also good to add to your commercial general liability component. This insurance in your overall commercial package works with your well control insurance to ensure that if you experience a blowout at one of your wells, a lawsuit from an injured employee, vendor, or innocent bystander won’t put you out of business.

Contact Barry Insurance Group, serving Pearland, TX, to obtain the well control policy you need to protect your oil and gas business.

Does Flood Insurance Cover Burst Pipes?

When winter storms cover Pearland, TX in snow and ice, it can cause water damage from burst pipes. Some homeowners’ insurance policies will cover water damage that results from broken or leaking pipes. However, there are exceptions. If you are a renter, you will need renters’ insurance to cover your electronics, furniture, clothing, and other personal items damaged when the pipes burst.

The important thing to note here is that your home insurance and renters’ insurance are only going to cover leaks that occur inside your home. They do not cover damage caused by flooding. For this, you will need a separate flood insurance policy, which is available from Barry Insurance Group.

What Is Flood Insurance?

Flood insurance is special coverage that is specifically designed to cover most types of water damage to your home and your personal belongings. Many homeowners think that this type of insurance will cover the damage if their pipes burst. However, this may not be the case.

Flood insurance is meant to cover damage that occurs due to natural flooding. Burst pipes are not considered natural and therefore are not covered by flood insurance.

Exceptions to the Rule

Like with many other types of insurance, there are exceptions to the rule. If your pipes burst due to flooding, then the damage to your home and your belongings may be covered. However, you will need to provide proof that this was directly the cause of the burst pipes.

If a natural flood causes standing water in your home and there is no way for you to return to your home during a flooding disaster, mold may have a chance to grow. In this case, most of the damage, including the mold, may be covered by your flood insurance policy.

While flood insurance may not cover damage from burst pipes in Pearland, TX, you should ask your insurance provider for additional insurance on your home insurance policy, known as water backup coverage. To find out more, contact Barry Insurance Group.

Is Health Insurance Required in Texas?

While health insurance is not required in Texas, it is strongly recommended for any resident. Barry Insurance Group serves Pearland, TX and highly encourages anyone shopping around for health insurance to reach out. 

If health insurance is not required, why do I need it?

Simply put – you can’t plan for a health scare, you don’t know if you’ll have a medical issue and require hospitalization or medical attention. Medical bills are astoundingly high in the United States without coverage. Failing to invest in health insurance is extremely detrimental to your own health and financial security. 

Many people think, "Well, I’m already healthy. I don’t need health insurance, do I?" Wrong again. 

Part of staying healthy is having wellness check-ups with a general practitioner. They do routine physical exams, blood work (in some cases), and can refer you to specialists if you need something checked. Healthy people see the doctor at least once a year for preventative measures. 

Without health insurance, a hospital visit could cost you thousands of dollars. A routine procedure or even a simple X-ray could take hundreds of your hard-earned money, right out of your pocket. 

Texas residents work hard and deserve to be well cared for in their time of need. Don’t put the financial burden on your family or on yourself by failing to invest in a full-coverage healthcare plan. You may never need it; but if you do, you’ll be so grateful that you took the time to look out for yourself. 

Barry Insurance Group understands that shopping for health insurance can be stressful and confusing. If you have questions or need guidance, don’t hesitate to reach out to us. We proudly serve the Pearland, TX area and would be happy to help. 

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