Bergen Insurance Agency

08/31/2026

🔧 PLUMBERS: IS YOUR INSURANCE ACTUALLY BUILT FOR YOUR BUSINESS?

Plumbing contractors face risks that a basic general liability policy may not fully address.

One water-loss claim, vehicle accident, injured employee, or stolen piece of equipment can become a serious expense if the right coverage isn’t in place.

A solid plumbers insurance program may include:

✅ General Liability
🚐 Commercial Auto
👷 Workers’ Compensation
🧰 Tools & Equipment Coverage
🏗️ Completed Operations Coverage
☂️ Commercial Umbrella / Excess Liability

At Bergen Insurance Agency, we understand plumbing contractors and the insurance requirements that come with the trade.

We can help review your current policies, identify potential coverage gaps, and shop multiple insurance carriers to find coverage that fits your operation.

And when you need a certificate of insurance, policy change, or help with a job requirement—you have an agency that understands your time matters.

📞 Texas plumbers—let us take a look at your insurance.

Bergen Insurance Agency
Independent Insurance for Texas Plumbing Contractors

08/26/2026

Always hire a professional 😂

08/21/2026

🏡 Is Your Home Insurance Keeping Up With Today’s Costs?

Home values, construction costs, and insurance rates have changed a lot in Texas. That makes now a good time to review your homeowners insurance and make sure you have the right coverage at a competitive price.

At Bergen Insurance Agency, we’re an independent agency, which means we can shop multiple insurance companies to help find coverage that fits your home and your budget.

Whether you’re buying a new home, renewing your current policy, or simply wondering if you’re paying too much, we’d be happy to take a look.

✅ Multiple insurance companies
✅ Local, personal service
✅ Coverage tailored to your home
✅ Serving Weatherford, Parker County & homeowners across Texas

📞 Give Bergen Insurance Agency a call for a home insurance review.

More Choices. Better Service. Local People You Can Count On.

08/20/2026

🏠 LANDLORDS: Is Your Rental Property Properly Insured?

Owning rental property can be a great investment—but the wrong insurance policy can leave you with expensive surprises when a claim happens.

A Landlord Insurance Policy is designed specifically for homes you rent to others and can help protect you against:

🔹 Damage to the rental home from covered losses
🔹 Liability claims if someone is injured on the property
🔹 Loss of rental income after certain covered claims
🔹 Detached structures such as garages or storage buildings
🔹 Optional coverage for vandalism, theft, water damage and other exposures, depending on the policy

One of the biggest mistakes we see is assuming a regular homeowners policy provides the right protection once a home becomes a rental.

At Bergen Insurance Agency, we're an independent agency, which means we can shop multiple insurance companies to help landlords find the right combination of coverage and price.

Whether you own one rental property or several, we'd be happy to review your insurance and see if there are better options available.

📍 Serving landlords throughout Weatherford, Parker County and across Texas.

Bergen Insurance Agency
🏠 Landlord & Rental Property Insurance
📞 Contact us today for a quote!

08/17/2026

🔧 Plumbing Contractors: Is Workers’ Comp Really Necessary?

Plumbing is hands-on work, and even the most experienced crew can get hurt on the job. Slips, falls, back injuries, cuts, burns, and accidents with tools or equipment can happen quickly.

That’s where Workers’ Compensation Insurance comes in.

Workers’ comp can help protect your plumbing business and your employees by providing coverage for:

🔹 Medical expenses from work-related injuries
🔹 Lost wages while an injured employee recovers
🔹 Rehabilitation and return-to-work expenses
🔹 Disability benefits for serious injuries
🔹 Protection for the business when a workplace injury occurs

In Texas, most private employers aren't required by state law to carry workers’ comp—but going without it can leave a plumbing company exposed to significant financial and legal risk. Plus, many general contractors, builders, and commercial customers require proof of workers’ comp before they'll let you on the job.

One serious employee injury can cost a lot more than the insurance.

At Bergen Insurance Agency, we understand plumbing contractors and can help you put together coverage that fits the way your business actually operates.

📞 Need a Workers’ Comp quote for your plumbing company? Give us a call.

Bergen Insurance Agency
Insurance built for Texas plumbing contractors.

08/14/2026

🚗 Using Your Vehicle for Business? Make Sure It’s Insured for Business.

If you use a truck, van, or car for your business, your personal auto policy may not provide the coverage you think it does.

Commercial Auto Insurance is designed for vehicles used for work and can help protect your business from:

🔹 Liability claims if you or an employee causes an accident
🔹 Damage to your work vehicle
🔹 Medical and uninsured/underinsured motorist claims, depending on coverage selected
🔹 Employees driving company vehicles
🔹 Business-owned trucks, vans, trailers, and fleets

For contractors especially, your vehicle isn't just transportation—it's part of how you make a living. One serious accident without the right coverage can become a major financial problem for your business.

At Bergen Insurance Agency, we work with contractors and businesses across Texas to help make sure their commercial vehicles are properly insured.

📞 Not sure if you need Commercial Auto? Give us a call. We’ll review how your vehicles are being used and help you find the right coverage at a competitive price.

Bergen Insurance Agency
Auto • Home • Business Insurance

08/13/2026

🛠️ WHAT IS A COMMERCIAL INSURANCE AUDIT — AND HOW CAN YOU BE PREPARED?

If your business has a General Liability or Workers’ Compensation policy, you may be required to complete an insurance audit at the end of your policy term.

So, what exactly is an audit?

When your policy was written, your premium may have been based on estimated payroll, sales, or subcontractor costs for the upcoming year. At the end of the policy period, the insurance company reviews your actual numbers and determines whether your final premium should be higher, lower, or stay about the same.

📋 BE PREPARED. You may be asked for:
• Payroll records
• Gross sales or receipts
• Subcontractor payments
• 1099 information
• Certificates of Insurance from subcontractors
• A description of the work performed
• Records showing what owners and employees actually do

⚠️ One of the biggest surprises can involve uninsured subcontractors.

Depending on the policy and carrier, if you hire subcontractors and cannot provide proof that they carried their own insurance, some or all of those subcontractor costs may be included in your audit and could result in additional premium.

Our advice: Don't wait until audit time. Keep your payroll, subcontractor records, and Certificates of Insurance organized throughout the year.

At Bergen Insurance Agency, we don't just sell commercial insurance—we help our customers understand how their coverage works and what to expect along the way.

Bergen Insurance Agency
Commercial Insurance for Texas Businesses & Contractors

08/12/2026

Give us a call today for an affordable quote. 817-930-5022

08/11/2026

True 🤣

08/11/2026