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3 years ago · by · Comments Off on Happy 4th Of July!

Happy 4th Of July!

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In observance of the 4th of July, our office will be closed at 12pm July 3rd through the 4th. We will resume normal business hours (9am – 3pm) on Thursday, July 5th, 2018.

Please plan ahead for any needed Certificates of Insurance, GL Renewals. Bonds and Payments.

Happy 4th Of July!!!
From all of us at Texas Commercial Liability Services
John, Jennie, Alex, Alicia, Daniel, Debbie, Angela, Merissa

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3 years ago · by · Comments Off on Thunderstorm Tips

Thunderstorm Tips

No place outside is safe when a thunderstorm is in the area. It is best to seek shelter in a building or hard-topped metal vehicle as fast as you can. If you can’t, use these lightning safety tips to reduce the probability of you or someone else being struck by lightning.

Always be prepared if the worst should happen. A thunderstorm is considered severe if it produces hail at least 1 inch in diameter or has wind gusts of at least 58 miles per hour. Every thunderstorm produces lightning, which kills more people each year than tornadoes or hurricanes. Heavy rain from thunderstorms can cause flash flooding, and high winds can damage homes and blow down trees and utility poles, causing widespread power outages. During a thunderstorm make sure you stay away from windows, electrical equipment, and telephones. Make sure your insurance covers damage that can be caused by storms.

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3 years ago · by · Comments Off on Protect Yourself From The Heat

Protect Yourself From The Heat

It is only getting hotter in Texas, make sure you and everyone you know stays safe in this heat.

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  • Take frequent breaks if you must work outdoors.

  • Check on your animals frequently to ensure that they are not suffering from the heat.

  • Never leave children or pets alone in enclosed vehicles.

  • Stay hydrated by drinking plenty of fluids even if you do not feel thirsty. Avoid drinks with caffeine or alcohol.

  • Slow down, stay indoors and avoid strenuous exercise during the hottest part of the day.

  • Be aware of both the temperature and the heat index. The heat index is the temperature the body feels when the effects of heat and humidity are combined.

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3 years ago · by · Comments Off on Tips For Road Trips

Tips For Road Trips

If you’re planning a road trip with your family, you’ll want to start checking off this safety list at least a few days before you hit the open road.

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1. Go for a tune-up. For smooth sailing (and overall sanity), make sure your car is in good working order. The National Highway Traffic Safety Administration (NHTSA) recommends that you have your tires, battery, belts, fluids, and air conditioner checked by a qualified mechanic. If you’re driving in a hot climate or towing a boat or trailer, you may need a motor oil with a higher viscosity.

2. Get a good night’s sleep. According to the NHTSA, driving while drowsy is a contributing factor in 100,000 accidents annually. Drive only when well rested, and switch off with another driver every few hours, if possible.

3. Give your car seat or booster seat a boost. If you are travelling with a child and you are not sure if your car seats or booster seats are installed 100 percent correctly: eight out of 10 aren’t, putting children at a serious risk for injury or death. Call 866-SEAT-CHECK to find a nearby location for a free safety seat inspection.

4. Gear up for safety. The NHTSA recommends packing an emergency kit that includes:

    • Water
    • Warm blankets
    • A flashlight
    • Jumper cables
    • Flares
    • Tools to change a tire
    • A fully charged cell phone
    • A first-aid kit
It’s also wise to subscribe to a roadside assistance plan—just make sure you know where to call in an emergency and what kind of assistance your policy includes. Give John a call to make sure you are covered and if you do not have insurance with us, let us quote you.
5. Keep the weight down. Store heavy items low in the seat wells so they won’t become projectiles during a sudden stop. For the same reason, suitcases, strollers, and anything else stowed in an open cargo area should be battened down.
6. Adjust your posture. Make a conscious effort to sit up straight, because slouching can make you drowsy. “People often sit too far away from the steering wheel and pedals,” says Ben Collins, a former NASCAR and stunt driver and author of How to Drive. “Your legs should be bent so you can exert strong pressure on the brake pedal, and your elbows need to be slightly bent so that you can use all your strength to turn the wheel if necessary.”
7. Look away from lights. Thanks to bright headlights of oncoming cars, you can be “blinded by the light,” as the old song goes. The eyeball has two types of receptors, and the ones working at night are extremely sensitive, says Collins. “Avert your gaze to the lower right shoulder of the road. Your peripheral vision will allow you to continue driving in the correct direction.”
8. Ignore phone calls. Even if you’re hands-free, talking on the phone is dangerous. The region of the brain that processes moving images decreases its activity by up to one third when you’re listening to the other side of the line. Talking on the phone and driving at the same time is like talking on the phone and watching TV—you’re going to miss something on one end or the other.

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3 years ago · by · Comments Off on Let Us Quote You!

Let Us Quote You!

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Everyone at Texas Commercial Liability Services does everything they can in order to

get you our best price on insurance. Whether you need; General Liability, Home

Owners, Personal/Commercial Auto, Workers Comp, or even life insurance, we can get

you covered. Give us an opportunity to quote you for all of your insurance needs!

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3 years ago · by · Comments Off on Driving At Night

Driving At Night

If you must drive during the peak sleepiness periods, stay vigilant for signs of drowsiness, such as crossing over roadway lines or hitting a rumble strip, especially if you’re driving alone.

Fatigue While Driving

A National Sleep Foundation poll says 60% of adults have driven while they were tired, and another 37%, or 103 million people, have fallen asleep at the wheel. Of those, 13% say they fall asleep while driving at least once a month, and 4% say they have caused a crash by falling asleep while driving.

The reasons are many – shift work, lack of quality sleep, long work hours, sleep disorders – and it doesn’t only happen on lengthy trips.

These staggering numbers are backed up by a report by NHTSA that 100,000 police-reported crashes are a result of driver fatigue. Most crashes or near-misses happen at the times you would expect drivers to be tired: 4 to 6 a.m., midnight to 2 a.m. and 2 to 4 p.m., according to NSF.

Drowsy driving puts everyone on the road at risk. Losing two hours of sleep has the same effect on driving as having three beers, and tired drivers are three times more likely to be in a car crash if they are fatigued.

The National Sleep Foundation offers this advice for driving:

  • Get seven or more hours of sleep a night
  • Don’t drive if you’ve been awake for 24 hours or more
  • Stop every two hours to rest
  • Pull over and take a nap if you’re drowsy
  • Travel during times you are normally awake

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3 years ago · by · Comments Off on Heavy Rains

Heavy Rains

When rain comes down it can be difficult to see, especially when driving. Heavy rains with high water may occur in parts of southeast Texas. Please slow down, pay 100% attention to driving and never drive over flooded roads. Remember to stay safe! See below for some tips  on driving in the rain.

1. Take your time:

 Slowing down is the only way to keep your vehicle from hydroplaning. Also remember that one of the most dangerous times to drive is soon after it begins to rain, as oils on roadway make for slick conditions. Waiting a few minutes, rather than rushing to your destination, can be a safer plan when it is raining.

2. Turn your lights on:

Turn your headlights on to help other vehicles see you. Many states require the use of headlights during rain, even in broad daylight.

3. Give other vehicles more space:

Add 1-2 extra seconds of following time in the rain, which gives you and the cars behind you more time to react to traffic.

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3 years ago · by · Comments Off on Free Safety Awareness Fair

Free Safety Awareness Fair

The Texas Department of Transportation Travel Information Center is hosting a free Safety Awareness

Fair Friday, June 22, 9 a.m. to 2 p.m. Join us for a fun and informative day with activities for all ages!

Stop by and check it out. Drive safe Texas!

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3 years ago · by · Comments Off on Tips For Dealing With Traffic

Tips For Dealing With Traffic

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We all know Texas can have some pretty bad traffic at times, so here are some tips to help:


  1. Slow Down

When there are more cars than usual on the road, it will naturally slow you down. While you might be tempted to try to drive faster to avoid delays, that can cause a crash. Always remember to proceed with caution – obstacles can come out of nowhere. Keeping your eyes peeled at all times will keep you safe.

  1. Don’t Weave

Don’t weave in and out of other cars; rapidly switching lanes to try to get ahead of the traffic is very dangerous. Other drivers can’t predict what you’re going to do, so they may change lanes as you’re approaching. Likewise, you don’t know what other cars are doing, so the safest move is to stay in one lane unless it’s necessary to move.


  1. Use Indicators

At times it seems like many drivers don’t use signals on the roads. When there are lots of other drivers around, it’s important you let them know what you’re doing. While you shouldn’t be weaving in and out of lanes, sometimes you do have to get over. Letting people know what you’re doing is not only safe, but will also make it easier for you when a driver lets you in front of them.


If you are changing lanes or turning, remember that almost all states have a 100-foot (typically 5 second) limit for turning on your blinker.


  1. Plan Ahead

Proper planning can keep you from having to deal with heavy traffic all together. A few variables to keep in mind include:

  • Weather – inclement weather (snow, rain, fog) can all lead to backups.
  • Road Construction – It seems like there are two seasons when it comes to driving – winter and construction season. Know the areas with road construction so you can avoid them and keep your trip shorter and more enjoyable.
  • Events – Festivals, game days, holiday parades, etc. can cause heavier than normal traffic.
  • Time of day – Simply planning around rush hour (AM & PM) will lead to a much more enjoyable commute.

Even if you do plan for all of these, you can still run into traffic. That’s why it’s best to always have an alternate route to your destination. Ideally, knowing a highway & side-street route so if one fails you, the other can step up.


  1. Remove Distractions

It seems obvious, but it still needs to be stated – no one should ever text and drive. Stay focused on the road at all times. This is even more important when driving in heavy traffic. Just because you’re moving slower doesn’t make driving less dangerous. A large change occurs when moving from a slower speed to a dead halt.


The average text message takes your eyes off the road for five seconds. With a lot of other cars on the road, this small amount of time is enough to cause a major crash. Avoid sending texts, checking emails and even changing radio stations when in traffic. If you do have to send a text or make a call, get off the road first.


  1. Know Appropriate Distances

It’s recommended to keep 3 seconds between you and the driver in front of you. A good way to measure this is with steady objects. Begin counting when the car in front of you passes a light pole, and if you get to three before you pass the same light pole, you’re in the safe zone.

Keep your eyes open for brake lights as well. If the driver in front of you starts to slow down, the same distance should be kept.


  1. Drive Proactively

Always expect the unexpected. Just because you’re practicing safe driving doesn’t mean that everyone around you is. Sometimes it’s malicious, sometimes it’s just a mistake. Either way, being ready to avoid others is crucial in heavy traffic situations.


  1. Stay Cool

The worst thing you can do while driving in traffic is lose your patience and get angry. Getting angry on the road can lead to aggressive and irresponsible driving, putting everyone on the road in danger.


Some tips for keeping yourself calm could include:

  • Listen to music you like
  • Have an audiobook playing
  • Listen to a podcast that calms you down
  • Take 3 deep breaths

Realizing the road is a public good – it was made for everyone – can also help you stay a little more calm.


  1. Don’t Stare/Gawk

It’s commonplace for heavy traffic situations to be coupled with a crash or emergency. If this is the case, don’t let that change your focus. Keep your eyes on the drivers around you and road in front of you. Don’t turn your head to stare at a crash that isn’t involving you


  1. Take a Break if Necessary

If you feel yourself getting anxious, angry, or impatient, take a break. Pull off at an exit and stretch your legs and take a few deep breaths. The extra minute or two you take will make a world of a difference.


Hopefully armed with these tips, you can conquer the next heavy traffic scenario you’re faced with. Remember, getting to your destination safe is the number one priority for all drivers on the road.

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3 years ago · by · Comments Off on Save Water This Summer!

Save Water This Summer!


According to :

About 25 percent of the state’s population lives in North Texas. That’s more than 6 million water users and a lot of thirsty lawns.

Did you know that watering our lawns accounts for about half of all the water we use at home? In fact, experts tell us most lawns get twice as much water as they really need. And we’re doing it with highly treated drinking water. It doesn’t make much sense. Yet it happens every day – to the tune of millions of gallons.

You probably don’t even have to leave your neighborhood to see the signs of our bad watering habits: water gushing down the curb, sprinkler geysers erupting from yards, or watering during a downpour. It all adds up to a waste we can’t sustain. So we have to be smarter in the ways we irrigate.

Keep these things in mind and share the wisdom with your friends:

  • Twice a week or less. If you’re watering more than two days a week, you’re watering too much.
  • Don’t water between 10 a.m. and 6 p.m. Up to 30 percent of the water we spray on lawns during the heat of the day is lost to evaporation.
  • Cycle and soak to avoid runoff. Irrigate in shorter bursts to give water a chance to soak in, and allow 30 minutes or more between cycles.
  • Tune up your irrigation systems. Fix leaks or damaged sprinkler heads and make sure they’re aimed at the landscape, not the street or sidewalk.
  • Give your sprinkler a rest on windy days. There are certain things to avoid doing on windy days. Watering your lawn is one of them.
  • Rain and freeze sensors are water savers. They trigger automatic systems to shut off during downpours or when temperatures dip near freezing. And they could reduce your outdoor use by 5–10 percent.
  • Smart controllers know when to say when. They are like irrigation clocks that automatically adjust run times in response to weather conditions.
  • Water by the drop. Use drip irrigation for trees, shrubs, and flowerbeds. Drip systems put water in the root zone – that’s right where the plants need it. And adapters make it easy to convert from spray to drip.
  • Replace that thirsty turf. Grass is great for play spaces, but do we really need so much? Replace those little-used areas of your lawn with other types of landscaping or water stingy plants.

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Texas Commercial Liability Services
John Wycoff

615 E Abram St Suite C
Arlington, TX 76010

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