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Client Testimonials
9999 Bellaire Blvd UNIT 1111, Houston
5.0 11 reviews
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Daniel Velarde
★★★★★
2 weeks ago
I had an outstanding experience with Aqua Tree Insurance. From start to finish, their team was extremely professional and attentive, providing what truly felt like white glove service. They offered competitive rates with respected carriers … More and took the time to ensure I had the best coverage and pricing for both my home and auto. Even after my policies were finalized, they were quick to assist with any follow-up questions. I highly recommend Aqua Tree Insurance to anyone looking for top-notch service and peace of mind. -
Ngoc P
★★★★★
2 months ago
They are the best in market
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Thuy Le
★★★★★
2 months ago
Tình cờ biết Aqua Tree Insurance qua online , rùi rất có duyên nên gặp trực tiếp Thịnh Trần tu van nên mình chuyển từ state farm qua progessive tu Aug 20 , hôm nay Aug 31 xe mình gặp sự cố chết may , mình gọi cho Thinh nho giúp và được … More Thịnh tu van nên progessive toll xe của mình qua Autozone để check , sau khi Thịnh làm claim cho mình thì 10p sau bên progessive gởi tin nhắn và người bên toll phone cho mình và sau 40p ho tới giúp đem xe của mình tôi Autozone,, thật nhanh và nhiệt tình,, qua đây mình muốn cảm ơn Thịnh và Progessive để giúp mình nhanh chóng
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Ton Nu Kim Xuan
★★★★★
2 months ago
I have used several services here and felt satisfied. They are always supportive when needed, even outside of working hours. I will recommend them to my friends."
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Sang Le
★★★★★
3 months ago
Good insurance at a fair price. Easy process and friendly staff. I’m happy with their service
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Yen Dang
★★★★★
3 months ago
Everything is so great at Aqua Tree which is the best agent I had . Thank you so much for your service
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Personal insurance coverage options
Whatever life throws at you, we want you to be ready. Aqua Tree Insurance has the coverage you need when you need it.
Insurance coverage for your business
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages. We offer tailored policies to help protect your business from fast-moving risks.
Home business owners can get tailored protection with our business insurance near me solutions designed for local risks, leases, and contract requirements.
General Liability
Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. General Liability covers injuries occurring on your business premises or business activities that cause damage to someone else’s property.
Commercial Auto
If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability for accidents and physical damage coverage for the vehicles.
Workers Compensation
If your business has employees, workers’ compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.
Commercial Property
Commercial property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters.
Business Owners Policy
A business owner’s policy, aka BOP, is a cost effective way for small business owners to get general liability and commercial property insurance combined into a single policy.
Professional Liability
Professional liability insurance, aka Errors & Omissions (E&O), can help cover legal expenses if your business is sued for a mistake, missed deadline, project scope disputes, negligence, or other risks associated with customer satisfaction.
Commercial Umbrella
Commercial umbrella, aka Commercial Excess, provides additional coverage once the underlying policy reaches its limit. It can boost the coverage for general liability, commercial auto, and employer’s liability insurance.
Cyber Liability
Businesses today increasing rely on digital systems and store customer data electronically. Cyber liability insurance helps cover the costs associated with data breaches, including legal fees, notification costs, and credit monitoring for affected customers.
Non Emergency Medical Transportation (NEMT)
NEMT drivers often operate in a unique regulatory environment that requires specific coverage and liability protections. We’re familiar with these requirements and can help you secure the appropriate insurance policies.
Business insurance specialties
You don’t buy insurance – you buy peace of mind. You want confidence that you’ve got the right coverage in place when you need it. Aqua Tree Insurance specializes in providing expert coverage solutions for businesses all across Texas.
About Aqua Tree Insurance
Aqua Tree Insurance delivers personalized insurance solutions exclusively to our clients. When it comes to protecting your assets and everything you’ve worked hard to earn, a one-size-fits-all approach is not going to cut it.
We take a proactive approach to help you develop a strategy that addresses your needs. Let us show you why Aqua Tree Insurance is coverage you can count on!
We offer you simple, professional insurance solutions with the support of a qualified and experienced team working on your behalf. As a collective team, our educational interests, experiences, and strategies work together to safeguard your financial future and risks.
Having access to multiple insurance companies gives us the ability to offer you a wide variety of coverage options that can be tailored to your needs and budget.
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Frequently Asked Questions
Bảo Hiểm Tiệm Nails 2026 | Gói Bảo Vệ Toàn Diện Cho Chủ Tiệm Nails Tại Hoa Kỳ
Năm 2026, ngành nails tại Hoa Kỳ tiếp tục phát triển mạnh, nhưng đi cùng với đó là nhiều rủi ro mà chủ tiệm cần chuẩn bị sẵn. Chỉ một sự cố nhỏ như khách bị té ngã, hóa chất đổ vào người, cháy nổ, hư ghế spa, hay phản ứng dị ứng trong quá trình làm móng cũng có thể khiến chủ tiệm tốn hàng ngàn đô tiền bồi thường hoặc phải đóng cửa tạm thời.
Vì vậy, bảo hiểm tiệm nails 2026 không chỉ là giấy tờ để đáp ứng yêu cầu của landlord hoặc ngân hàng SBA, mà là lớp bảo vệ quan trọng giúp chủ tiệm yên tâm kinh doanh, tránh rủi ro kiện tụng và bảo vệ toàn bộ tài sản của tiệm.
Bài hướng dẫn này sẽ giúp bạn hiểu rõ các gói bảo hiểm cần thiết cho tiệm nails, chi phí trung bình, những yêu cầu khi thuê mặt bằng, và cách Aqua Tree Insurance hỗ trợ chủ tiệm nails người Việt tại Texas và toàn nước Mỹ.
1. Bảo hiểm tiệm nails là gì?
Bảo hiểm tiệm nails là gói bảo vệ chủ tiệm trước các rủi ro như khách bị thương, cháy nổ, hư thiết bị, kiện tụng.
2. Tại sao tiệm nails phải có bảo hiểm?
Vì ngành nails có rủi ro cao, landlord yêu cầu chứng nhận bảo hiểm, và ngân hàng (SBA) yêu cầu nếu bạn vay vốn mở tiệm.
3. General Liability trong tiệm nails là gì?
Đây là bảo hiểm trách nhiệm chung, bảo vệ khi khách bị té ngã, trượt chân, hoặc bị thương trong tiệm.
4. Professional Liability là gì?
Bảo hiểm nghề nghiệp, bảo vệ nếu bạn làm hỏng dịch vụ như cắt trúng, gây bỏng, gây dị ứng hoặc khách khiếu nại chất lượng dịch vụ.
5. BOP (Business Owner Policy) có cần cho tiệm nails không?
Có – vì BOP kết hợp Liability + Property, bảo vệ toàn diện hơn và giá rẻ hơn mua từng gói riêng lẻ.
6. Property Insurance trong tiệm nails bao gồm gì?
Bao gồm: ghế spa, bàn nail, máy móc, inventory, supplies, POS, laptop và trang trí tiệm.
7. Workers’ Compensation có bắt buộc cho tiệm nails?
Bắt buộc nếu bạn có nhân viên W-2. Booth renter/1099 có thể không cần tùy bang.
8. Salon có phục vụ rượu (champagne/wine) có cần bảo hiểm riêng không?
Có – cần thêm Liquor Liability để bảo vệ khi khách bị ảnh hưởng bởi đồ uống có cồn.
9. Tiệm nails có cần Cyber Liability không?
Có, nếu bạn dùng POS, lưu thẻ khách hàng hoặc đặt lịch online.
10. Landlord yêu cầu những gì trong bảo hiểm?
Thường là:
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$1M/$2M General Liability
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Additional Insured
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Waiver of Subrogation
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Có thể thêm Property tuỳ lease
11. Tiệm nails cần mua bảo hiểm trước khi mở tiệm không?
Có – nếu bạn chuẩn bị nhận chìa khóa và landlord yêu cầu chứng nhận bảo hiểm (ACORD 25). Landlord thường bắt buộc phải có General Liability và Additional Insured trước khi giao mặt bằng.
Tuy nhiên, nếu tiệm của bạn đang trong quá trình build-out và chưa mở cửa, bạn nên mua Builder’s Risk thay vì BOP.
Builder’s Risk bảo vệ tài sản, vật liệu, thiết bị và rủi ro trong quá trình thi công, những thứ mà BOP không cover.
12.Tôi đang xây tiệm nails, tôi có cần mua BOP không? Hay chỉ cần Builder’s Risk?
Nếu tiệm của bạn vẫn đang trong giai đoạn build-out (đập tường, cải tạo, làm plumbing, điện, painting, gắn ghế spa, làm phòng waxing…), bạn không nên mua BOP ngay, vì:
BOP KHÔNG cover các rủi ro xảy ra trong quá trình thi công, bao gồm:
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hư tường, vách, trần khi đang sửa
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cháy nổ trong lúc xây dựng
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nước vào do plumbing chưa hoàn thiện
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hư thiết bị khi lắp đặt
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vật liệu bị trộm trong thời gian build
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thiệt hại do contractor gây ra
Trong giai đoạn này, gói đúng là Builder’s Risk, vì nó bảo vệ toàn bộ rủi ro thi công.
Chỉ khi tiệm đã hoàn thiện (“ready to open”) thì BOP mới có giá trị.
13.Nếu landlord yêu cầu BOP trước khi tiệm hoàn thiện thì tôi phải làm sao?
Một số landlord có thể yêu cầu BOP trước khi cho vào sửa tiệm, nhưng thực tế hầu hết các hãng bảo hiểm không cấp BOP trong giai đoạn thi công.
Trong trường hợp này, bạn có thể mua Builder’s Risk để bảo vệ quá trình xây dựng và cung cấp chứng nhận này cho landlord.
Sau khi tiệm hoàn thiện và chuẩn bị khai trương, bạn mới tiến hành mua BOP.
14. Yếu tố nào làm giá bảo hiểm tăng?
Diện tích tiệm, số nhân viên, dịch vụ (nails vs nails + lashes), giá trị thiết bị, và lịch sử claim.
15. Tiệm có làm lash, waxing có tăng tiền bảo hiểm không?
Có – vì rủi ro nghề nghiệp cao hơn.
16. Chủ tiệm có cần LLC mới mua bảo hiểm không?
Không. Nhưng LLC + bảo hiểm giúp bảo vệ tốt nhất.
17. Booth renter có cần bảo hiểm riêng không?
Có, nên mua Professional Liability riêng.
18. Nếu khách bị té trong tiệm, bảo hiểm có trả không?
Có, nếu bạn có General Liability.
19. Nếu khách bị nhiễm trùng hoặc dị ứng, bảo hiểm có trả không?
Có, nằm trong Professional Liability.
20. Cháy nổ trong tiệm có được bảo hiểm chi không?
Có, nếu bạn có BOP hoặc Property Insurance.
21. Tiệm nails bị trộm hay phá hoại có được chi trả không?
Có, nằm trong BOP hoặc Property Insurance.
23. Tiệm phải đóng cửa vì bão hay cháy có được trả tiền không?
Có, nếu bạn có coverage “Business Income/Loss of Income”.
24. Tôi có thể thêm landlord vào policy không?
Có, Aqua Tree Insurance sẽ thêm “Additional Insured” cho bạn khi landlord yêu cầu.
25. Tôi cần cung cấp gì để nhận báo giá bảo hiểm tiệm nails?
Bạn cần:
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Địa chỉ tiệm
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Diện tích (square feet)
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Số nhân viên
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Dịch vụ cung cấp
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Giá trị thiết bị
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Yêu cầu từ landlord
26. BOP có bảo hiểm nếu khách kiện vì hình hoặc video bị đăng lên mạng xã hội không?
Không. BOP (Business Owner Policy) thông thường không chi trả cho các khiếu nại liên quan đến việc sử dụng hình ảnh, video hoặc nội dung đăng trên mạng xã hội khi không có sự đồng ý của khách.
Các trường hợp như khách bị quay video, livestream, đăng TikTok/Instagram không cho phép, hoặc bị xâm phạm quyền riêng tư đều không được BOP cover.
Để tránh rủi ro này, chủ tiệm nên xin phép trước khi quay và không đăng bất kỳ hình ảnh nào có thể nhận diện khách hàng.
Để xem giá và các gói bảo vệ chi tiết, bạn có thể xem thêm tại trang Bảo Hiểm Tiệm Nails Texas của chúng tôi.
Nếu bạn muốn hiểu sâu hơn về từng loại bảo hiểm, bạn có thể xem bài viết Hướng Dẫn Bảo Hiểm Tiệm Nails 2026 của chúng tôi.
Nếu bạn cần báo giá nhanh, hãy liên hệ Aqua Tree Insurance ngay tại đây.
Texas Landlord Insurance FAQ 2026 | DP3 Coverage & Cost Explained
If you’re looking for clear answers about Texas landlord insurance, this Landlord Insurance Texas FAQ will help you understand DP3 coverage, cost, liability, water damage limits, and new 2026 rules for rental properties. These are the most common questions Texas landlords ask before buying or updating their policy.
1. What is landlord insurance?
Landlord insurance is a policy designed for homes that are rented out to tenants. It covers the structure of the property, liability if someone gets hurt, loss of rental income, and damage caused by fire, storms, or tenants. It replaces a homeowners HO3 policy when the owner does not live in the home.
2. What is the difference between landlord insurance and homeowners insurance?
Homeowners insurance (HO3) covers owner-occupied homes, while landlord insurance (DP3) covers tenant-occupied properties. DP3 includes loss of rent, landlord liability, and protection for tenant-caused damage—features that HO3 does not provide. Using HO3 for a rental can lead to claim denial.
3. Do I need a DP3 policy for a rental property?
Yes. A DP3 policy is the correct insurance for single-family rentals, duplexes, and investment properties. It protects against fire, storm damage, tenant-caused damage, water leaks, and loss of rental income. Most lenders and property managers require DP3 instead of HO3 for rentals.
4. How does landlord insurance work in Texas?
Landlord insurance in Texas protects the rental property structure, covers landlord liability, replaces lost rental income after a covered event, and pays for repairs caused by storms, hail, fire, or tenant-related damage. Texas carriers evaluate roof age, plumbing systems, and tenant type to determine eligibility and pricing.
5. Is landlord insurance mandatory in Texas?
Landlord insurance is not required by Texas law, but most mortgage lenders, property managers, and leasing agreements require it. Without a DP3 policy, landlords risk paying out-of-pocket for structural damage, liability claims, and lost rent if the home becomes unlivable.
6. Does landlord insurance cover tenant-caused damage?
Yes. A DP3 landlord policy typically covers accidental tenant-caused damage, such as kitchen fires, water heater leaks, broken windows, or vandalism. However, intentional damage, neglect, or long-term unrepaired leaks are often excluded. Requiring tenants to carry renters insurance adds additional protection.
7. What does DP3 insurance cover?
DP3 covers the dwelling structure, landlord liability, loss of rental income, water damage from sudden leaks, storm and hail damage, other structures like fences, and accidental tenant-caused damage. It is the broadest form of insurance for rental properties and offers Replacement Cost coverage when eligible.
8. How much does landlord insurance cost in 2026?
In Texas, landlord insurance typically costs between $1,700 and $3,000 per year for single-family rentals. Factors include roof age, home condition, location, claim history, and whether the home is long-term or short-term rental. Airbnb properties and older homes usually cost more due to higher risk.
9. Is landlord insurance more expensive than home insurance?
Yes. Landlord insurance usually costs 15–25% more than homeowners insurance because tenant-occupied homes carry higher risk. Landlords face more water damage, liability exposure, and loss-of-rent situations, which increases the insurer’s potential payout.
10. What affects the price of landlord insurance in Texas?
Pricing is influenced by roof age, plumbing type, year built, location, prior claims, rental type (long-term vs Airbnb), security features, and the chosen deductible. Homes with roofs older than 15–20 years often receive ACV roof coverage, which also affects cost and eligibility.
11. What is loss of rental income coverage?
Loss of rental income (LOR) pays the landlord when a covered claim—such as fire, water damage, or storm repairs—makes the home unlivable. It reimburses lost rent during repair periods, typically up to 12 months. HO3 policies do not include this coverage.
12. Does landlord insurance cover water leaks or water damage?
DP3 policies usually cover sudden and accidental water damage, such as burst pipes, water heater failures, or appliance leaks. However, many Texas carriers apply a $10,000 water limit unless full coverage is purchased. Slow leaks, seepage, and long-term moisture damage are commonly excluded.
Need a customized quote for your rental property? Visit our service page DP3 rental property insurance in Texas.
For a full explanation of DP3 coverage, cost, and 2026 changes, read our complete Landlord Insurance Texas Guide.
For more official guidelines, check the Texas Department of Insurance – Landlord Insurance.
🚗 Auto Insurance FAQ: 50/100 vs. 100/300 Liability Limits
Choosing the right auto insurance liability limits is one of the most important decisions every driver makes. Many people wonder whether 50/100 is enough, or if upgrading to 100/300 provides better protection. Understanding these numbers can help you avoid unexpected expenses and protect your financial future.
If you want a full guide to auto coverage options, visit our Auto Insurance page to explore comprehensive protection for Texas drivers.
In this FAQ, we break down the difference between 50/100 and 100/300 liability limits, when each option makes sense, and why most families choose higher limits for long-term protection.
1. What does 50/100 or 100/300 insurance mean?
These numbers represent your Bodily Injury Liability limits in thousands.
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50/100 → $50,000 per person / $100,000 per accident
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100/300 → $100,000 per person / $300,000 per accident
2. Which is better: 50/100 or 100/300?
100/300 provides double the protection and is recommended if you:
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Own a home
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Have savings or business assets
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Drive often or in busy city areas
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Want stronger lawsuit protection
3. Is 50/100 coverage enough?
It may be enough for basic legal requirements, but it may not fully protect you if you cause a major accident. Medical bills today easily exceed $50,000 per person.
4. Why do insurance agents recommend 100/300?
Because it reduces your out-of-pocket risk. If accident costs exceed your limit, you must pay the rest personally.
5. Does raising my limits from 50/100 to 100/300 cost a lot more?
Usually no. Increasing liability limits is often one of the cheapest upgrades—sometimes only $10–$20/month depending on the carrier.
6. What happens if I cause an accident and my 50/100 limit is not enough?
The injured party can:
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Sue you personally
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Go after your savings
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Put a lien on your property
Choosing higher limits protects you against this.
7. Is 100/300 enough for most drivers?
Yes. For most families, 100/300 is the recommended minimum for strong financial protection.
8. When should someone choose even higher limits like 250/500?
Choose 250/500 or Umbrella if you:
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Own rental properties
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Run a business
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Have high income
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Drive luxury cars
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Want maximum lawsuit protection
9. Does higher liability coverage affect full coverage (comp & collision)?
No. Liability limits only protect the people you injure. They do not change the cost of repairing your vehicle.
10. Is 100/300 required by lenders or leases?
Some lenders and leasing companies require higher limits, especially on newer or financed cars.
Choosing between 50/100 and 100/300 liability limits comes down to how much protection you want in case of a serious accident. While 50/100 may meet legal requirements, 100/300 offers significantly stronger coverage and reduces your out-of-pocket risk. For most drivers—especially homeowners, business owners, and families—upgrading your limits is one of the safest and most affordable decisions you can make.
If you need help comparing coverage options or want a personalized quote, our team at Aqua Tree Insurance is here to help. Contact us anytime to review your policy and make sure you’re fully protected on the road.
To ensure adequate coverage, regularly review your policy with your insurance provider, especially when you acquire new equipment or expand your operations. This helps keep your coverage up-to-date and aligned with your business’s evolving needs.
While a maintenance plan is beneficial for preventing equipment issues, it does not provide financial protection for unexpected breakdowns. Equipment Breakdown Insurance complements maintenance plans by covering the costs associated with sudden and accidental failures, ensuring comprehensive protection.
Yes, Equipment Breakdown Insurance often includes coverage for business interruption losses. This means that if your equipment fails and causes a halt in your operations, the policy can help cover lost income during the repair or replacement period.
A warranty typically covers specific parts of equipment for a limited time, focusing on defects or issues arising from manufacturing. In contrast, Equipment Breakdown Insurance provides broader coverage for sudden and accidental failures, including mechanical and electrical breakdowns, regardless of the equipment’s age.
Equipment Breakdown Insurance does not cover general wear and tear, maintenance issues, or pre-existing conditions. For example, damage caused by natural disasters, such as floods or earthquakes, is not covered by this policy. For such incidents, you would need to consider other types of insurance, such as flood insurance or property insurance.
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