An Insurance Guide for December
Closing out 2025 securely
December 9th marks the final stretch of the year. As you plan the holidays and prepare for a well-deserved rest, the reality of operating in Texas reminds us of two important things: the risk of sudden winter weather and the need to secure your assets before the fiscal year ends.
At AllSteps Insurance, we’ve prepared this quick guide to ensure you and your business cross the threshold into 2026 without any surprises.
1. The ‘Texas Freeze’ Factor: Preparing for Hazardous Roads
In Texas, sudden freezes and black ice are the real winter threat. One 70°F day can quickly turn into a dangerous layer of ice.
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Personal Auto Policy: Does your policy include Roadside Assistance and Comprehensive coverage? If you break down or if unexpected hail damages your vehicle, this coverage is vital. Review your deductible limits now!
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Trucking Insurance: Weather delays don’t just cost time—they cost money. Ensure your Liability and Physical Damage coverage is fully current to prevent a slip on the ice from halting your operation.
2. Holiday Tradition: Trips to Mexico and Your Mexipass
For many in Texas, the holidays mean crossing the border to visit family.
Remember: Your personal U.S. auto policy is not valid in Mexico.
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Quick Check: If you plan to travel, get your Mexipass in advance. It’s easy, fast, and guarantees that you comply with Mexican law and have support in case of an incident. Don’t risk your family trip over a last-minute formality.
3. Closing the Books: Did You Acquire New Assets in 2025?
December is the month for final accounting. This is a golden opportunity to ensure the true value of your business is protected.
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Equipment Inventory (Contractors): Did you acquire heavy machinery, tools, or work vehicles this year? If you haven’t updated your policy immediately, those assets might not be covered. Ensure your Contractor’s Equipment Insurance reflects all 2025 purchases.
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Trucking Assets: If you added or removed vehicles from your fleet, notify your agent. Paying for a vehicle you sold or failing to cover a new one is a costly mistake.
Start 2026 with a Strong Shield
The best way to start the New Year is knowing that your assets, your family, and your business are completely protected. The holiday season is stressful enough without the risk of incomplete coverage.
Don’t wait for the weather or an unforeseen event to force you to review your policy.