Hiring or Sending Employees to Work in States Other Than Texas

If you hire or send employees to work in states other than Texas – or think you might do so in the future – your workers compensation coverage may need a do-over. When an employee is injured in another state, he or she may have the option of claiming benefits under Texas law or under […]

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What to Know about General Liability Insurance for Service Providers

Who Needs Professional Liability Insurance? Any person in a profession in which they provide advice or service may benefit from professional liability insurance. In many cases, carrying professional liability insurance is a requirement in order to practice. The following service professionals are exposed to a high degree of risk due to the nature of the […]

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General Liability for Restaurants – What You Need to Know

There’s no doubt owning and operating a restaurant is a tough business. It’s estimated that around 27% of new restaurants fail within the first year of business. That number approaches 60% by the five-year mark.1 With so much uncertainty and so many challenges to overcome, restaurant owners should protect their investment and livelihood with adequate […]

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Attorney Professional Liability Insurance – What is it and how much do I need?

Being sued for malpractice is a concern for any practicing attorney. A suit could be completely baseless or even frivolous and still cost you time and money to defend against. As a lawyer, you could be sued for a variety of negligence-based claims. The top five are: Failure to know or apply the law – […]

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Commercial Liability Insurance for Businesses

What Does Business Liability Insurance Cover? Business (or commercial) liability insurance can protect a range of exposures depending on the type of coverage you obtain. Business liability covers your business’ assets and pays for expenses that result from your product, property, employees, operation or even advertising. So what does business general liability insurance cover? It […]

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Covering Your Business Personal Property

Any business owner seriously concerned about protecting business assets should carefully consider how those assets should be insured. Determining how much your business personal property is worth, carrying the right amount of insurance on your commercial property policy and looking at different levels of coverage are all important. What to Insure? Business personal property, as […]

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What is Commercial Terrorism Coverage and Do I Need it for My Business?

The Terrorism Risk Insurance Act, originally passed after 9/11, was renewed on January 8, 2015 for another six years, meaning that terrorism insurance will continue to be offered under very similar guidelines as it has been since 2002. Terrorism Insurance and TRIA Prior to 9/11, most commercial insurance policies included terrorism risk coverage as a […]

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Cyber Liability and Information Security

News headlines regarding cyber-attacks on big companies like Target and Home Depot are prevalent recently. Have you started to wonder if this could happen to a small company like yours, or if there is some way to cover these incidents with insurance? And if so, can you afford to purchase such a policy? There is […]

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Farmers and Ranchers Need Livestock and Other Insurance Protection to Help Rebuild After a Loss

Business owners of all kinds invest in insurance to protect their livelihood, but many farmers and ranchers forego insurance for their animals to avoid the expense, confident in their belief that losing a few animals every year doesn’t justify the cost of insurance protection. But what if the worst-case scenario actually happened? Consider the case […]

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Business Insurance Basics: What Type of Coverage Do You Need?

Most business owners need more than one type of business insurance policy to fully cover all of the risks that they face. This blog will focus on just a few types of policies that you might need to protect your business from various potential problems. Commercial General Liability (CGL) Insurance Commercial general liability insurance is […]

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