Cambridge Insurance

08/06/2026

🏠 A standard homeowners policy is designed for a home you own and occupy. Once a tenant moves in, the property’s use and risks change, which means the insurance generally needs to change too.

A properly structured landlord or dwelling policy may include protection for:

✅ The rental dwelling and other structures

✅ Landlord-owned appliances and property used to maintain the rental

✅ Premises liability if someone is injured and you are held responsible

✅ Loss of rental income if a covered loss makes the property temporarily uninhabitable

✅ Additional risks specific to rental property ownership

Your policy does not typically cover your tenant’s belongings or personal liability. Requiring tenants to carry renters insurance can help protect both parties.

It is also important to tell your insurance agent whether the property is used as a long-term rental, short-term rental, seasonal property or is currently vacant. Each situation may require different coverage.

Before handing over the keys, make sure your policy matches how the property is actually being used.

📞 214-758-0414
📧 [email protected]

Coverage availability, terms and exclusions vary by policy and carrier.

08/05/2026

🔨Winning a new job is exciting. Finding out your insurance does not meet the contract requirements can delay the project, hold up payment or create a serious coverage concern.

Before you sign the contract or send the certificate of insurance, make sure these items match:

✅ Required liability limits

Does your policy meet the general liability, auto liability, workers’ compensation and umbrella limits listed in the contract?

✅ Additional insured requirements

Does the contract require additional insured status for ongoing operations, completed operations or both?

✅ Primary and noncontributory wording

If required, does your policy include the correct endorsement?

✅ Waiver of subrogation

Is it required for general liability, workers’ compensation, auto liability or multiple policies?

✅ Completed operations requirements

Does the contract require coverage to remain in place after the project is finished, and for how long?

A certificate of insurance is evidence of coverage. It does not create, change or expand coverage by itself. Many contract requirements must be supported by the actual policy and endorsements.

Before starting your next project, send us the insurance requirements section of your contract. We can help you compare it with your current coverage and identify potential gaps.

📞 214-758-0414
📧 [email protected]

Coverage availability, terms and exclusions vary by policy and carrier. Contract interpretation may require assistance from your attorney.

08/02/2026

🎒 BACK TO SCHOOL, BACK TO BUSY!

A new school year brings new routines, new drivers, new addresses and a whole lot more running around. Before the first bell rings, take a moment to consider whether your insurance needs a quick update.

You may need a coverage review if:

✏️ Your teen recently received a learner’s permit or driver’s license

🏠 Your college student is moving into a dorm or off-campus apartment

💻 You purchased new laptops, tablets or other expensive electronics

🚗 Your household’s commute, vehicle use or carpool routine has changed

Small changes can make a big difference when it comes to protecting your family. If you are unsure whether something needs to be updated, Cambridge Insurance Agency is here to help.

Wishing all of our students, teachers, school staff and parents a safe, successful and wonderful school year! 💛

📞 214-758-0414
📧 [email protected]

07/30/2026

5 Coverages Business Owners Often Overlook

General liability and commercial property insurance are an important starting point, but they may not protect your business from every risk. Here are five coverages worth discussing with your insurance agent:

✅ Business Income Coverage

May help replace lost income and cover certain continuing expenses if your business must temporarily close because of a covered loss.

✅ Cyber Liability Coverage

May help with expenses related to data breaches, ransomware attacks, customer notifications, data recovery and other cyber incidents.

✅ Employment Practices Liability Insurance

Helps protect your business against certain employee-related claims, including allegations of discrimination, harassment and wrongful termination.

✅ Equipment Breakdown Coverage

May help cover the cost of repairing or replacing essential equipment after certain mechanical, electrical or pressure-system breakdowns.

✅ Hired and Non-Owned Auto Coverage

Provides liability protection in certain situations when employees use personal, rented or borrowed vehicles for business purposes.

Every business operates differently, and the right coverage depends on your industry, employees, equipment and daily operations. A coverage review can help identify gaps before they become expensive surprises.

Is your business fully protected? Let’s take a look together.

📞 214-758-0414
📧 [email protected]

07/28/2026

🚗 CLIENT PROTECTION CHECKLIST
5 Questions to Ask Before Adding a Teen Driver

Adding a teen driver is a big milestone, but it can also bring major changes to your auto insurance. Before they get behind the wheel, ask:

✅ When does my insurance company need to be notified?

Some carriers have different requirements for permitted and newly licensed drivers.

✅ How will adding my teen affect our premium?

The cost can vary based on the teen’s age, driving experience, household vehicles and insurance carrier.

✅ Are there discounts available?

Ask about good student, driver training, distant student and safe-driving program discounts.

✅ Could the vehicles on our policy affect the cost?

Household drivers are generally insured to drive the vehicles listed on the policy, but the types of vehicles in the household can still significantly affect the overall premium.

✅ Should we review our liability limits?

A new driver can mean additional risk. This is a good time to review your liability coverage and consider whether an umbrella policy makes sense.

Do not wait until after your teen starts driving to update your policy. A quick insurance review can help protect your family, avoid coverage concerns and identify available savings.

📞 Contact Cambridge Insurance Agency before your teen hits the road. We’ll help you understand your options and make sure your coverage is ready for this exciting new chapter.

214-758-0414

07/24/2026

Before You File a Claim
Photos and documentation can make a meaningful difference.
When a loss happens, it is natural to want to start cleaning up or making repairs right away. However, before anything is repaired, replaced, or discarded, it is important to document the damage as clearly as possible.
Helpful documentation may include:
• photos of the damage
• photos of the surrounding area
• dates and times
• repair estimates
• invoices or receipts
• notes about what happened
Good documentation can help provide a clearer picture of the loss and may help the claim process move more smoothly if a claim is filed.
When it is safe to do so, take photos first, keep records, and contact your agent before moving forward with repairs.
Cambridge Insurance Agency
214-758-0414

07/23/2026

We are beyond thankful for our wonderful work family!

Together, we made The List!

We’re proud to share that Shaddock Companies has been recognized by the Dallas Business Journal as one of the 2026 Largest Employers in Dallas-Fort Worth.

This recognition represents more than our size—it reflects the incredible people across the Shaddock Companies family of businesses who contribute to our collective success every day.

To every member of our team: thank you for being part of what we’ve built together and for continuing to move us forward. This recognition belongs to all of you.

We’re proud of where we’ve been, excited about where we’re going, and grateful for the people making it possible.

One family. Stronger together.

07/23/2026

Before You File a Claim

It is important to understand the difference between covered damage and maintenance-related issues before opening a claim.

Insurance is designed to respond to sudden and accidental losses. It is generally not intended to cover normal wear and tear, long-term leaks, deterioration, or issues that develop over time.

For example, water damage from a sudden pipe burst may be handled very differently than damage caused by a slow leak that has been occurring over an extended period.

In many cases, the cause of the damage matters just as much as the damage itself.

Before filing a claim, it is helpful to take a closer look at whether the issue appears to be sudden and accidental or more consistent with maintenance. A quick conversation with your agent can help you better understand the situation and determine the most appropriate next step.

Cambridge Insurance Agency
214-758-0414

07/22/2026

Before You File a Claim

It is important to understand your deductible before opening a claim.

Your deductible is the portion of a covered loss you are responsible for before insurance begins to pay.

For example, if your deductible is $2,500 and the repair estimate is $2,800, there may be very little benefit to filing the claim once the deductible is applied.

This is why we encourage clients to know their deductible in actual dollars, not just as a percentage or policy term.

Before filing a claim, take a moment to review your deductible and talk with your agent. A quick conversation can help you understand how the claim may be handled and whether filing is the best next step.

Cambridge Insurance Agency
214-758-0414