1. The “At-Fault” Factor:
In Texas, like many other states, the question of fault plays a vital role in determining the repercussions of an auto accident on your insurance rates. If you’re found at fault for an accident, your insurance company might consider you a higher risk to insure, resulting in an increase in your premiums. Texas allows insurance carriers to add a surcharge for three years to your policy premium after an at fault accident. This premium surcharge will be determined by the amount of the at fault accident claim amount. After three years the at fault accident can still impacting your tiering for two additional years.

2. The Severity Spectrum:
The extent of damage caused by an accident can greatly influence its impact on your insurance rates. Minor fender benders might not result in a substantial rate increase, while major accidents with significant property damage and injuries could lead to more substantial premium hikes. Insurance companies assess the cost of repairs, medical bills, and legal liabilities to determine the potential risk you pose as a policyholder.

3. The Claims Conundrum:
After an accident, you might need to file an insurance claim to cover the costs of repairs and medical expenses. However, it’s important to remember that filing a claim can also have consequences for your premiums. Even if you weren’t at fault, filing a claim might still result in increased rates, as insurance companies could perceive you as more likely to be involved in future incidents. It’s a delicate balance between using your insurance coverage when needed and being mindful of the potential impact on your rates.

4. The Timely Factor:
Texas law requires insurance companies to consider a policyholder’s “good driver” status before deciding on rate changes due to an accident. If you have a history of being a responsible driver with no recent accidents, your insurance company might be more lenient in terms of rate increases. However, it’s important to note that “good driver” discounts can vary among insurance providers, so make sure to inquire about this aspect when shopping for coverage.

Conclusion: In the aftermath of an auto accident, the potential impact on your auto insurance rates can be a concern. While the situation might seem daunting, it’s essential to remember that the relationship between accidents and rates isn’t always straightforward. Factors such as fault, severity, claims, and timing all play a role in determining how much your rates might change. If you’re in Texas, staying informed about the intricacies of these factors and discussing them openly with your insurance provider can help you make well-informed decisions that balance your financial well-being and your peace of mind on the road. Remember, accidents happen, but with knowledge and preparation, you can navigate their aftermath with confidence. Make sure you contact your insurance agent to discuss your particular situation.

The post How Auto Accidents Impact Your Auto Insurance Rates in Texas appeared first on Nicholson Insurance Group LLC.

Understanding Texas Insurance Requirements:
Texas law mandates that all drivers carry a minimum amount of liability insurance to cover potential damages in the event of an accident. The minimum coverage requirements include $30,000 per injured person, up to $60,000 for all injured persons in an accident, and $25,000 for property damage.

Insurance Policies and Household Members:
1. Family Policies:
– In Texas, it is not a strict requirement for all licensed drivers in a household to be on the same insurance policy. However, insurance companies often provide the option for families to bundle their coverage into a single policy. This can simplify management and may lead to potential discounts.

2. Excluded Drivers:
– Some insurance policies allow for the exclusion of certain drivers from coverage. If a member of the household is explicitly listed as an excluded driver on the policy, they will not be covered in the event of an accident, and any damages they cause may not be covered by the insurance.

3. Named Insured vs. Additional Drivers:
– The named insured is the primary policyholder, and additional drivers can be added to the policy. While it’s common for all licensed drivers in a household to be listed on the policy, it’s not a strict requirement.

Considerations for Separate Policies:
1. Driving Records:
– Individual driving records can influence insurance premiums. If one member of the household has a less-than-ideal driving history, it may be more cost-effective to maintain separate policies.

2. Vehicle Ownership:
– If household members own separate vehicles, having individual policies for each vehicle may be a practical choice. However, insurance companies may offer multi-car discounts for bundling policies.

3. Personal Preferences:
– Ultimately, the decision to have all licensed drivers on the same policy or maintain separate policies often comes down to personal preferences, convenience, and financial considerations.
In Texas, while it is not mandatory for all licensed drivers in a household to be on the same insurance policy, it is highly recommended and encouraged that all drivers in the same household be on the same policy. Individual circumstances, driving records, and personal preferences all play a role in determining the most suitable insurance arrangement for your household. It’s crucial to carefully review your options and consult with independent insurance agent to make an informed decision that aligns with your needs and budget.

The post Do All Licensed Drivers in a Texas Household Need to Be on the Same Insurance Policy? appeared first on Nicholson Insurance Group LLC.

Running a business is your passion, your livelihood, and often, your legacy. You’ve poured your heart and soul into building it, but have you considered what would happen to your business if you were to suddenly become incapacitated, retire, or pass away? A well-structured buy-sell agreement is a crucial piece of your business plan that addresses these “what ifs” and protects your investment, your partners, and your family.    

What is a Buy Sell Agreement?

A buy-sell agreement is a legally binding contract between the owners of a business that dictates what happens to their shares of the business in the event of certain triggering events, such as:

• Death: Perhaps the most common trigger, a buy-sell agreement ensures a smooth transfer of ownership and prevents your shares from falling into the wrong hands.   
• Disability: If an owner becomes disabled and can no longer contribute, the agreement can outline how their shares will be handled.  
• Retirement: As owners approach retirement, a buy-sell agreement can provide a structured exit strategy and ensure fair compensation for their stake in the company.  
• Withdrawal: If an owner decides to leave the business, the agreement can define the terms of their departure and the purchase of their shares.  
• Divorce: A buy-sell agreement can protect the business from the complexities of divorce proceedings by specifying how ownership will be handled.  

Why is a Buy-Sell Agreement Important?

A buy-sell agreement offers numerous benefits, including:

• Business Continuity: It ensures a seamless transition of ownership, minimizing disruption and maintaining stability for employees, customers, and suppliers.  
• Protecting Ownership: It prevents unwanted partners from entering the business, safeguarding the vision and direction you’ve worked so hard to establish.
• Fair Valuation: The agreement typically includes a pre-determined method for valuing the business, avoiding disputes and ensuring a fair price for the shares.  
• Liquidity for Heirs: In the event of an owner’s death, the agreement provides a source of funds for their heirs, offering financial security and potentially avoiding the forced sale of the business.  
• Tax Advantages: Depending on the structure and funding method, a buy-sell agreement can offer certain tax benefits. (It’s crucial to consult with a tax professional for specific advice.)  
• Peace of Mind: Knowing that a plan is in place provides peace of mind for you, your partners, and your family.

How is a Buy-Sell Agreement Funded?

Funding a buy-sell agreement is essential to ensure that the agreed-upon purchase can actually take place. Several common funding methods exist:

• Life Insurance: This is a popular option, especially for death-related triggers, and often the most practical. Here’s a closer look:  

  • How it Works: Each owner takes out a life insurance policy on the other owners. The policy amount is typically equal to the value of the owner’s share of the business, as determined by the valuation method outlined in the buy-sell agreement. When an owner dies, the death benefit is paid to the surviving owners, who then use the funds to purchase the deceased owner’s shares from their heirs.  
  • Types of Policies: Term life insurance can be a cost-effective option, particularly for younger owners. However, it only provides coverage for a specific term. Permanent life insurance (like whole life or universal life) offers lifelong coverage and can also build cash value, which may be a beneficial asset for the business. The best type of policy depends on the specific circumstances of the business owners and should be discussed with an insurance professional.  
  • Advantages: Life insurance provides a guaranteed source of funds at the time of death, ensuring the buy-out can proceed smoothly. It also avoids the need for the surviving owners to come up with the funds from other sources, which could strain the business’s finances.  
  • Considerations: The cost of premiums is a key consideration. Factors like age, health, and the size of the policy will affect the premium amount. It’s important to regularly review the policy and the valuation of the business to ensure that the coverage remains adequate.  There are a number of things that will need to be discussed with your independent insurance agent concerning business evaluation and the terms of the buy sell agreement. You will need to work with an agent that has access to legal counsel as legal matters may need to be addressed if you have a business that grosses over 3 million a year.     

Don’t Wait – Contact Your Independent Insurance Agent Today! 

There was a major lawsuit (Connelly v. United States)  in 2024 that could significantly impact your buy sell provisions. 

A buy-sell agreement is not just a legal document; it’s a vital part of your business strategy. It’s an investment in the future of your company and the well-being of your loved ones. Don’t wait until it’s too late. Contact Nicholson Insurance today for a consultation. We can help you understand your options, including the intricacies of life insurance funding, and create a buy-sell agreement that meets your specific needs and ensures the continued success of your business.

The post The Importance of a Buy-Sell Agreement for Business Owners (and How It’s Funded) appeared first on Nicholson Insurance Group LLC.

How are roofs covered under a typical homeowners policy?

Navigating the intricacies of roof insurance claims can be a daunting task, especially in the ever-changing landscape of the Texas insurance market. One crucial aspect of this process is understanding roof settlement schedules. In this comprehensive guide, we’ll delve into what roof settlement schedules are, how they work in the Texas insurance market, and how homeowners can make the most of their insurance coverage.

Understanding Roof Settlement Schedules:

A roof settlement schedule is a predetermined schedule that outlines the amount an insurance company will pay for roof repairs or replacement based on factors like the age, type, and condition of the roof. This schedule is often based on the principle of “actual cash value” (ACV), which takes into account the roof’s depreciation due to wear and tear over time. You will need to look at the schedule attached to your homeowner’s policy to know how your policy works.

Factors Influencing Roof Settlements:

Several factors can influence the amount you receive from your insurance company for roof repairs or replacement:

1. Roof Age: Older roofs might receive a lower settlement due to depreciation.
2. Roof Material: Different roofing materials have varying lifespans and costs, affecting settlement amounts.
3. Local Market Costs: Settlements can be influenced by local labor and material costs.
4. Deductibles: Deductibles play a role in determining the final settlement amount.

How Roof Settlement Schedules Work in Texas:
The Texas insurance market is unique due to the state’s susceptibility to severe weather events, including hailstorms, hurricanes, and high winds. Homeowners in Texas often face challenges related to roof damage and insurance claims. Roof settlement schedules in Texas typically involve:

1. Hail and Wind Damage: Many insurance policies in Texas cover damage caused by hail and wind. However, settlements can be influenced by the severity of the damage and whether the damage was caused by a named storm.

2. Roof Age and Depreciation: Insurance companies may consider the age of the roof when determining settlement amounts. Older roofs might receive lower payouts due to depreciation. See your policies payment schedule.

3. Actual Cash Value vs. Replacement Cost: Some policies might provide coverage based on the roof’s actual cash value (ACV), while others offer replacement cost coverage, which covers the full cost of repairing or replacing the roof without accounting for depreciation. Most carriers are now providing replacement coverage years 1-14. Beginning year 15, the roof will be paid out on a schedule, minus your deductible. This settlement amount could easily be 50% of the replacement cost. This is a very important consideration when purchasing your homeowner’s policy. Just because a policy is cheaper does not mean you will be getting the best value for your money. It is very important to consult with your insurance professional to see if your policy is a grandfathered replacement policy or is an ACV (actual cash value) policy or a combination of replacement and schedule policy.

Maximizing Your Roof Insurance Claim:

To make the most of your roof insurance claim in Texas:

1. Document Damage: Take clear photos and videos of the damage as evidence for your claim.
2. Prompt Reporting: Report damage to your insurance company as soon as possible to initiate the claims process.
3. Obtain Multiple Estimates: Get estimates from reputable contractors to present a comprehensive picture of repair or replacement costs.
4. Know Your Policy: Understand your insurance policy’s coverage limits, deductibles, and settlement terms.
5. Work with Professionals: Engage with experienced roofing contractors who can provide accurate assessments of the damage and repair costs. Remember, that the point person on a roofing claim is your assigned adjuster. You have to be a licensed adjuster in Texas to deal with claims in Texas.

Conclusion:
Roof settlement schedules in the Texas insurance market can be complex, but with a clear understanding of the factors at play and proactive steps, homeowners can navigate the claims process more effectively. By documenting damage, understanding your policy, and collaborating with professionals, you can ensure that your roof insurance claim is processed smoothly and that you receive the compensation you deserve for your roof repairs or replacement. It is vitally important that you contact your independent insurance agent to get more information concerning roof coverage in today’s policies.

The post How are roofs covered under a typical homeowner’s policy in 2025? appeared first on Nicholson Insurance Group LLC.

General liability insurance is like a safety net for businesses, protecting them from a wide range of common risks. These policies typically cover:

• Bodily injury: If a customer or client gets injured on your business property, this coverage can help pay for medical expenses and legal fees.
• Property damage: Accidentally damaging a client’s property? This coverage can help with repair or replacement costs.
• Advertising and personal injury: This protects your business from claims of slander, libel, copyright infringement, and other reputational harms.

So, who needs this coverage?

While not always legally mandatory, many businesses are required to have general liability insurance in certain situations. For example:

• Businesses that lease commercial space: Landlords often require tenants to have this coverage to protect the property owner from liability.
• Businesses that work with clients on-site: If you or your employees frequently visit client locations, this insurance can protect you in case of accidents.
• Businesses that handle customer data: If you store or process sensitive customer information, this coverage can help protect you from data breach liabilities.

What if I work from home or operate online?

Even if you don’t have a physical storefront, general liability insurance can still be crucial. For example, if a client visits your home office and gets injured, or if you accidentally cause damage to a client’s property while working remotely, this coverage can protect you.

Ultimately, the decision of whether or not to purchase general liability insurance depends on your specific business needs and risk tolerance.

Nicholson Insurance Group can help!

We can assess your business risks and help you determine the right level of general liability coverage. Contact us today for a free consultation.

The post Do All Businesses Need General Liability Insurance? appeared first on Nicholson Insurance Group LLC.

When it comes to protecting your valuable assets, choosing the right insurance carrier is crucial. While non-standard carriers may offer lower premiums, there are significant advantages to opting for a standard insurance carrier. Let’s explore why you should consider a standard carrier for your insurance needs.

Financial Stability and Reliability

Standard insurance carriers are known for their financial strength and stability. They undergo rigorous financial scrutiny and are required to maintain adequate reserves to meet their claims obligations. This means you can have peace of mind knowing that your claims will be paid promptly and efficiently, even in the event of a major catastrophe.

Broader Coverage Options

Standard carriers typically offer a wider range of coverage options compared to non-standard carriers. This allows you to customize your insurance policy to meet your specific needs and protect your assets comprehensively. Whether you need coverage for your home, auto, business, or other valuable possessions, a standard carrier can provide the necessary protection.

Strong Customer Support

Standard insurance carriers place a high value on customer satisfaction. They have dedicated customer support teams that are readily available to answer your questions, assist with claims, and provide guidance on your insurance needs. This personalized service can make a significant difference when you need assistance or have questions about your policy.

Adherence to Regulations

Standard insurance carriers are subject to strict regulations and oversight by state insurance departments. This ensures that they operate ethically and adhere to industry best practices. You can trust that your policy will be honored and that your rights as a policyholder will be protected.

Long-Term Value

While standard carriers may have slightly higher premiums than non-standard carriers, they offer long-term value and peace of mind. You can rest assured that you have chosen a financially stable and reliable insurer that will be there when you need them most.

Choose Nicholson Insurance Group for Your Insurance Needs

At Nicholson Insurance Group, we partner with reputable standard insurance carriers to provide our clients with the best possible coverage and service. Our experienced agents can help you navigate the insurance landscape, assess your needs, and find the right policy for your specific situation. Contact us today to learn more about our comprehensive insurance solutions and how we can protect your valuable assets.

Remember, choosing a standard insurance carrier is an investment in your financial security and peace of mind.

The post Why Choose a Standard Insurance Carrier? appeared first on Nicholson Insurance Group LLC.

Understanding Youthful Driver Insurance

1. Higher Premiums: Insurance companies typically charge higher premiums for youthful drivers. This is because they are perceived as higher risk due to their limited driving experience.
2. Type of Vehicle: The type of car a youthful driver owns or operates plays a crucial role in determining insurance costs. Sports cars and high-performance vehicles often come with higher premiums. Steer away from brand new cars for your youthful drivers. Buy an older car that can be insured for liability insurance only.
3. Location: Where you live can also impact your insurance rates. Urban areas usually have higher premiums than rural areas.
4. Driving History: A clean driving record is a powerful tool in keeping insurance costs down. Even a single speeding ticket can significantly increase premiums. If a young person gets a ticket, they need to take online defensive driving course or ask for deferred adjudication. This will keep the moving violation off of their record.

Coverage Options for Youthful Drivers

1. Liability Insurance: This is usually the minimum coverage required by law. It covers the cost of property damage and injuries that you may cause to others in an accident. It’s an essential component of any insurance policy.
2. Collision Coverage: This covers the cost of repairing or replacing your vehicle if it’s damaged in an accident, regardless of fault.
3. Comprehensive Coverage: Comprehensive coverage pays for damages caused by events other than collisions, such as theft, vandalism, natural disasters, or hitting an animal.
4. Uninsured/Underinsured Motorist Coverage: This provides protection if you’re in an accident with a driver who doesn’t have insurance or enough insurance to cover your costs.
5. Personal Injury Protection (PIP) or Medical Payments: These options cover medical expenses for you and your passengers in case of an accident.

Tips for Reducing Insurance Costs

1. Good Student Discounts: Many insurance companies offer discounts for youthful drivers who maintain a high GPA. Encourage good academic performance to reduce premiums. To qualify for a good student discount, the student needs to maintain a 3.0 GPA or better, for most major carriers.
2. Driver’s Education: Completing a recognized driver’s education course can help reduce insurance costs and provide valuable safety knowledge. You will need to provide a certificate of completion to your agent.
3.  If a youthful driver is living at home in Texas, they must be on their parents’ insurance unless there are exclusions applied to the policy. In Texas, premiums will be almost cost prohibitive for a monoline auto policy on a youthful driver.
4. Contact your independent agent so they can shop the marketplace to get you the best value for your money.
5. Raise Deductibles: Increasing deductibles can lower monthly premiums, but be prepared to pay more out of pocket in case of an accident.

Conclusion

Navigating insurance coverage for youthful drivers can be challenging, but with the right information and smart choices, it’s possible to find an affordable policy that provides the necessary protection. As a youthful driver, it’s crucial to be proactive, practice safe driving, and explore all available discounts and options to make your insurance experience a smoother and more budget-friendly one. Remember that responsible driving not only keeps you safe but also leads to more affordable insurance rates in the long run

The post Ideas To Help with Insurance Cost for Youthful Drivers appeared first on Nicholson Insurance Group LLC.

In today’s fast-paced world, protecting yourself and your loved ones is more important than ever. While insurance can be a complex topic, working with an independent insurance agent can simplify the process and ensure you have the right coverage.

What is an Independent Insurance Agent?

Unlike captive agents who represent a single insurance company, independent agents work with multiple carriers. This allows them to shop around and find the best policy for your specific needs.

Why Choose an Independent Agent?

Here are some of the key benefits of working with an independent insurance agent:

• Personalized Service: Independent agents take the time to understand your unique needs and recommend policies that are tailored to you. If you have a good insurance advisor, they will be able to see the big picture and direct you in many aspects concerning your insurance in conjunction with your overall financial picture. This can be invaluable to you!
• Broader Coverage Options: By working with multiple carriers, independent agents can access a wider range of coverage options, ensuring you get the best possible protection. Often times the cheapest is not always the best. You will want an insurance advisor that will help you get the best overall value for your dollar spent in light of your financial situation.
• Expert Advice: Independent agents are knowledgeable about the insurance industry and can provide expert advice on various coverage options. They can also give insight to as to the stability and service of the various carriers. Just because an insurance company offers a low price, doesn’t mean that you will get great service. Low price carriers can be very frustrating to work with.
• Ongoing Support: Your agent will be there to assist you throughout the entire insurance process, from initial consultation to claims filing. Make sure you stay in contact with your trusted insurance advisor.
• Competitive Rates: Independent agents can often negotiate competitive rates with different insurance carriers, saving you money.

Nicholson Insurance Group: Your Trusted Partner

At Nicholson Insurance Group, we’re committed to providing exceptional service and personalized insurance solutions. Our experienced agents will work with you to find the right coverage to protect your assets and loved ones.

Contact us today to learn more about how we can help you.

By choosing an independent insurance agent, you can have peace of mind knowing that you’re protected.

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A Closer Look at Your Options

When renting a car, you’re often faced with the decision of whether to purchase additional insurance. Let’s break down the pros and cons to help you make an informed choice.

Understanding Your Coverage

Before deciding on rental car insurance, it’s essential to understand what your existing auto insurance policy covers. Many standard auto insurance policies extend coverage to rental cars, but it’s crucial to check with your insurer to confirm the specific details, including:

• Liability Coverage: This covers damage or injury you cause to others.
• Collision Coverage: This covers damage to the rental car itself.
• Comprehensive Coverage: This covers damage to the rental car from non-collision incidents, like theft or vandalism.

The Pros and Cons of Rental Car Insurance

Pros:

• Peace of Mind: Knowing you’re fully covered can reduce stress and anxiety.
• Potential Cost Savings: In some cases, rental car insurance may be more affordable than filing a claim with your personal auto insurance.

Cons:

• Redundancy: If your personal auto insurance already covers rental cars, purchasing additional insurance could be unnecessary.
• Additional Cost: Rental car insurance can add to the overall cost of your rental.

When to Consider Rental Car Insurance

Here are a few scenarios where purchasing rental car insurance might be beneficial:

• Limited Personal Insurance Coverage: If your personal auto insurance has low coverage limits or doesn’t cover rental cars, additional insurance can provide extra protection.
• High-Value Rentals: For luxury or specialty vehicles, additional insurance can help cover potential damage costs.
• International Rentals: In some countries, additional insurance may be required by law.

Understanding Loss Damage Waivers (LDWs)

It’s important to note that a Loss Damage Waiver (LDW) is not insurance. It’s a waiver of the rental company’s right to hold you responsible for damage to the vehicle. This means the rental company agrees to waive its right to collect from you if the vehicle is damaged or stolen.

Potential Costs Without an LDW:

If you don’t purchase an LDW and the vehicle is damaged, you could be held responsible for:

• Repair or Replacement Costs: You could be responsible for the full cost of repairing or replacing the vehicle.
• Diminished Value: Even after repairs, the vehicle’s value may decrease.
• Loss of Use Fees: The rental company may charge for lost rental income while the vehicle is out of service.
• Administrative Fees: You could be liable for towing, appraisal, and other administrative costs.

Tips for Renting a Car:

• Review Your Personal Insurance Policy: Understand your coverage limits and deductibles.
• Shop Around for the Best Rates: Compare prices from different rental car companies.
• Read the Fine Print: Pay attention to the terms and conditions of the rental agreement.
• Consider a Credit Card: Many credit cards offer rental car insurance as a perk.
• Be Prepared for Unexpected Costs: Have a budget in mind for potential fees and expenses.

By carefully considering your needs and reviewing your insurance coverage, you can make an informed decision about whether to purchase rental car insurance.

Need More Information?

It is generally best for people to purchase the loss waiver from the rental car company. This is typically our recommendation, however, if you have questions about your auto insurance coverage or need personalized advice, then contact Nicholson Insurance Group. 

The post Should You Purchase Rental Car Insurance When Renting a Car? appeared first on Nicholson Insurance Group LLC.

In today’s digital age, technology is reshaping nearly every aspect of our lives, including auto insurance. Telematics programs, which utilize devices or smartphone apps to track driving behavior, have emerged as a potential way to lower insurance premiums. But do they really work? Let’s dive into the details.

How Telematics Programs Work Telematics programs monitor various driving habits, such as:

• Speeding: How often do you exceed speed limits?
• Hard Braking: How abruptly do you stop your vehicle?
• Distracted Driving: Are you using your phone while driving?
• Nighttime Driving: How often do you drive after dark?
• Mileage: How many miles do you drive each month?

By collecting this data, insurance companies can assess your driving risk and potentially offer lower premiums if you exhibit safe driving behaviors.

Potential Benefits of Telematics Programs

• Lower Premiums: Safe drivers may qualify for significant discounts.
• Personalized Feedback: Receive tailored advice to improve your driving habits.
• Increased Awareness: Become more conscious of your driving behaviors.

Potential Drawbacks

• Privacy Concerns: Some people may be hesitant to share detailed driving data.
• Device Installation: Installing a telematics device can be inconvenient.
• Limited Savings: The potential savings may vary depending on your driving habits and insurance provider.

Is Telematics Right for You?

If you’re a confident, safe driver who values privacy, you may want to consider a telematics program. However, it’s important to weigh the potential benefits against the drawbacks.

Most carriers give a 10% discount upfront to participate in their Telemetrics program. Upon completion of the program, drivers can receive up to an additional 20% off their premium. Most programs run from 3-6 months depending on how much a person drives.  

Contact Nicholson Insurance Group for More Information

To learn more about telematics programs and how they can impact your auto insurance premium, contact Nicholson Insurance Group. Our knowledgeable agents can help you understand the specific programs offered by your insurance provider and determine if it’s the right choice for you.

The post Looking To Save Cost on Your Auto Insurance Premium? appeared first on Nicholson Insurance Group LLC.