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Insurance For Texans Blog

All the Insurance Topics a Texan Could Want

    Why Your Church Struggles to Find Insurance: Mistakes to Avoid

    Posted by Amanda Minter on Jul 17, 2024 2:51:31 PM
    A church secretary named Mary emailed our office this morning. She indicated to us that her church had been without insurance since January when ...
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    Topics: liability, insurance mistakes, property, Church Insurance

    Bless Your Pastor with Life Insurance: A Guide for Texas Churches

    Posted by Kevin Hall on Jul 15, 2024 2:13:24 PM
    Tim is a dedicated member of his church in Abilene and a part of the finance committee. He was asked to explore options for finding a life insurance ...
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    Topics: life insurance, term life insurance, whole life insurance, universal life, umbrella policy, Church Insurance, key man life insurance

    What The Heck! The True Cost of Recent Insurance Changes in Texas

    Posted by Ron Wadley on Jul 12, 2024 1:10:16 PM
    Ted, like most Texas homeowners, has been feeling increasingly anxious about the rising costs of home insurance. Everyone around him is complaining ...
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    Topics: auto insurance, home insurance, deductible, discounts, homeowners insurance, TRUE Texas Home Insurance

    Small Church, Big Care: Health Insurance Solutions for Texas Churches

    Posted by Kevin Hall on Jul 10, 2024 2:59:14 PM
    Small churches in Texas are currently getting beat up financially. The cost of church insurance coverage is exploding if you can find it. And good ...
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    Topics: health insurance, group health, employer health insurance, Church Insurance

    Property Insurance Challenges: Affordable Solutions for Texas Churches

    Posted by Amanda Minter on Jul 9, 2024 10:53:47 AM
    If you are like our friend Bill, you either have already received a non-renewal notice from your current church insurance company or you will receive ...
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    Topics: commercial property values, liability, property, Church Insurance

    How Abuse & Molestation Insurance Can Help Texas Churches

    Posted by Amanda Minter on Jul 8, 2024 12:23:07 PM
    Everywhere you turn, church leaders are faced with a new story about a someone claiming that they have been abused in a church setting. It is ...
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    Topics: General Liability, liability, Church Insurance

    How To Avoid Insurance Penalties Arising From Coinsurance

    Posted by Brad Hancock on Jul 1, 2024 2:35:32 PM
    The church property insurance marketplace in Texas is strained. This is not news to elders or other church leaders who have had to either search for ...
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    Topics: Commercial Insurance, property, Church Insurance

    How Much Should You Pay Towards Your Employees' Health Insurance?

    Posted by Kevin Hall on Jun 28, 2024 3:27:38 PM
    Lubbock is a thriving city that has benefited from the growing Texas economy. Joseph's consulting firm had seen tremendous growth in the midst of the ...
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    Topics: health insurance, catastrophic health coverage, group health, employer health insurance

    Who Is Insuring Churches In Texas?

    Posted by Amanda Minter on Jun 27, 2024 11:31:37 AM
    Day after day, churches and religious organizations around the state of Texas are receiving a non-renewal notice for their church insurance policy. ...
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    Topics: General Liability, property, Church Insurance, non-renewal

    What Can Texas Churches Learn About Insurance Coverage From Gateway?

    Posted by Ron Wadley on Jun 24, 2024 1:47:18 PM
    The local news here in Dallas-Fort Worth over the last week has had lead stories about the scandal that has overtaken Gateway Church in Southlake. ...
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    Topics: professional liability, liability, D&O, Church Insurance

    What Kind of Liability Insurance Does My Texas Daycare Need?

    Posted by Brad Hancock on Jun 21, 2024 3:22:21 PM
    As the summer starts to heat up, Robert is faced with looking at his insurance renewal for his childcare business in Ft Worth. Like many business ...
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    Topics: General Liability, professional liability, liability, employment liability insurance, workers comp, True Texas Education Insurance, daycares

    Why Is It Hard To Get Liability Coverage For My Texas Daycare?

    Posted by Brad Hancock on Jun 19, 2024 2:30:26 PM
    For the past five years, Mary has poured her heart and soul into creating a nurturing and educational environment for the children in her community. ...
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    Topics: General Liability, professional liability, liability, True Texas Education Insurance, daycares

    Is The Texas Fair Plan A Good Home Insurance Policy?

    Posted by Brad Hancock on Jun 14, 2024 10:03:56 AM
    A long time Insurance For Texans customer called into the office last week. Becky was frustrated by the ever increasing of home insurance in Ft ...
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    Topics: home insurance, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance

    Does Cyber Insurance Cover Low Tech Threats?

    Posted by Ron Wadley on Jun 13, 2024 5:25:40 PM
    When cybersecurity comes to mind, many people think of foreign hackers trying to breach large corporations' networks. Everyone remembers the Russian ...
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    Topics: cyber insurance, cyber crime, invoice manipulation, data theft

    Hail Insurance For Texas Churches

    Posted by Amanda Minter on Jun 12, 2024 4:54:52 PM
    This has been a long Spring across Texas. Doesn't matter if you are in The Piney Woods in deep East Texas, The Hill Country, or up on the Caprock. ...
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    Topics: windstorms, deductible, hail, property, business personal property, Church Insurance

    Unraveling the Truth: New Reality of Home and Auto Insurance Bundling

    Posted by Ron Wadley on Jun 11, 2024 1:52:46 PM
    Hey there, fellow Texans! It’s time to dive into a misunderstood topic that affects our wallets and peace of mind—insurance bundling. In the past, ...
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    Topics: deductible, Home Insurance Tips, gaps in coverage, TRUE Texas Home Insurance, basics of home insurance

    Do Churches Need Business Interruption Insurance In Texas?

    Posted by Amanda Minter on Jun 7, 2024 11:53:05 AM
    The last round of storms that blew through Lubbock has left Pastor Chase scratching his head. What was supposed to be a typical Panhandle Spring hail ...
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    Topics: business coverage, business income coverage, Business Owner, basics of business insurance, business interruption, Church Insurance

    Sticker Shock: Understanding the Surge in Texas Church Insurance Rates

    Posted by Amanda Minter on Jun 5, 2024 5:00:56 PM
    When the phone rings at Insurance For Texans, there is a good chance that the person on the other end of that call is frustrated or worried. It's the ...
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    Topics: property, Church Insurance, non-renewal

    How Does Business Insurance Help Me After A Tornado?

    Posted by Brad Hancock on Jun 4, 2024 11:25:10 AM
    As the sun rose on Sunday after a string of tornadoes hit the Red River counties of North Texas, business owners like Ted began to read stories of ...
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    Topics: business coverage, business income coverage, basics of business insurance, property, business interruption, tornado insurance

    The Math Of The Current Home Insurance Market In Texas

    Posted by Ron Wadley on Jun 3, 2024 4:57:23 PM
    Michael was in the process of moving to Texans and buying a house. He had come from the West coast as so many people have done over the last five ...
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    Topics: windstorms, increased construction costs, hail, roofing schedule, TRUE Texas Home Insurance, inflation

    How True Texas Home Insurance Handles Tornado Claims

    Posted by Ron Wadley on May 28, 2024 3:01:30 PM
    As the sun rose on Sunday after the string of tornadoes hit the Red River counties of North Texas, Mary began to read the stories of fellow Texans ...
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    Topics: windstorms, limits of coverage, TRUE Texas Home Insurance, basics of home insurance, tornado insurance

    Is Health Insurance Mandatory for Your Small Texas Business?

    Posted by Kevin Hall on May 23, 2024 5:01:25 PM
    When Texans start a new business venture, it is often done as a solo project or maybe one other person with them. Money is tight and one of the first ...
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    Topics: health insurance, private health insurance, group health, employer health insurance

    Managing Your Ministry: Human Resources Help for Texas Churches

    Posted by Kevin Hall on May 22, 2024 3:33:35 PM
    Bob's smallish church in East Dallas was in a pickle. They had hired a youth minister about a year ago and didn't bother to run a background check on ...
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    Topics: employer insurance, employment liability insurance, Church Insurance

    Faith Under Fire: Navigating Employment Lawsuits in Texas Churches

    Posted by Kevin Hall on May 21, 2024 4:14:05 PM
    Hannah had thought she had seen it all in her 35 years working at the church in Tyler. She had survived multiple pastors leaving, church members ...
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    Topics: liability, employer insurance, employment liability insurance, Church Insurance

    Low Tech Cyber Threats

    Posted by Ron Wadley on May 20, 2024 10:59:48 AM
    Let's talk about low tech cyber threats today. You might be wondering, what exactly is a low tech cyber threat? Stick around, and we'll explain it. ...
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    Topics: cyber insurance, cyber crime, invoice manipulation, data theft

    Does A Roof Payment Schedule Matter If I Claim Every Three Years?

    Posted by Ron Wadley on May 14, 2024 5:03:23 PM
    Even though the spring hail storm season was almost coming to a close, Denton got hit by yet another large event with some baseball sized hail. Most ...
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    Topics: replacement cost, actual cash value, roofing schedule, TRUE Texas Home Insurance

    Need Church Insurance Now? Here’s What You Need To Know!

    Posted by Kevin Hall on May 13, 2024 4:45:11 PM
    Gene works as the administrative pastor for a church in Waco. He has been there long enough to see the ins and outs of how financial resources move ...
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    Topics: building coverage, Waco, property, Church Insurance, non-renewal

    What Should My Texas Church Insurance Deductible Be?

    Posted by Kevin Hall on May 3, 2024 1:20:40 PM
    The changes going on with Texas church insurance are enough to make your head spin. Churches from all denominations and places on the spectrum are ...
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    Topics: windstorms, deductible, percentage deductibles, hail, Church Insurance

    Why Are Insurance Companies Dropping Texas Churches?

    Posted by Kevin Hall on Apr 30, 2024 4:03:35 PM
    Janice is the treasurer for her smaller church in Belton. As the finance committee was meeting recently, they were looking at how their expenses for ...
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    Topics: liability, property, Church Insurance, non-renewal

    Tiny Teams to Health Dreams: Group Health Coverage for Small Business

    Posted by Kevin Hall on Apr 29, 2024 5:38:14 PM
    Steve is the owner of a small but thriving boutique on the west side of Ft Worth. He has found a solid niche offering hip clothes to new moms that ...
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    Topics: Fort Worth, health insurance, group health, employer health insurance

    Don’t Risk It: Ensure Your Tools are Covered So You Can Keep Working

    Posted by Amanda Minter on Apr 25, 2024 4:30:00 PM
    Mario is a seasoned masonry contractor in Austin who has collected many tools for his trade through the years. He was talking with a friend of his ...
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    Sound Investment: Secure Your Audio Equipment With The Right Coverage

    Posted by Kevin Hall on Apr 24, 2024 5:47:25 PM
    Most Texans have been through at least one major hail storm while living here. The sirens go off and the noise escalates with the wind, rain, and ...
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    Topics: limits of coverage, property, inland marine, business personal property, Church Insurance

    Thinking of Switching Home Insurers in Texas? Read This First!

    Posted by Ron Wadley on Apr 23, 2024 3:29:39 PM
    Brad stood in his Ft Worth yard, staring at the recent repairs his home had undergone after a hail storm. He was thankful that everything had been ...
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    Topics: deductible, hail, Home Insurance Tips, TRUE Texas Home Insurance, non-renewal

    Why General Liability Insurance is a Must for Texas Contractors

    Posted by Amanda Minter on Apr 19, 2024 3:54:26 PM
    As the population of Texas has continued to grow over the last few years, the availability of work for contractors has steadily grown as well. It has ...
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    Topics: General Liability, Commercial Insurance, Waco, contractor, locksmith

    Digital Pulpit: Understanding Media Liability for Churches

    Posted by Kevin Hall on Apr 18, 2024 5:27:22 PM
    No one bats an eyelash when you say COVID changed things for everyone. And Texas churches experienced changes just like everyone else. In a time gone ...
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    Topics: liability, lubbock, Church Insurance, media liability

    Is There a Limit? How Many Hail Claims Before Your Insurer Drops You

    Posted by Ron Wadley on Apr 16, 2024 8:54:18 PM
    Denise from Frisco couldn't believe her eyes as she surveyed the aftermath of yet another vicious hailstorm. The siding of her home pocked and the ...
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    Topics: windstorms, hail, Home Insurance Tips, viatical settlement, TRUE Texas Home Insurance, non-renewal

    Faith and Finance: Deciphering Your Church's Insurance Needs

    Posted by Kevin Hall on Apr 13, 2024 11:28:38 AM
    If you are part of helping with your church finances, you likely are aware of just how crazy the church insurance companies have become over the last ...
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    Topics: Fort Worth, General Liability, professional liability, liability, property, Church Insurance

    What Is The Average Home Insurance Deductible In Texas?

    Posted by Ron Wadley on Apr 11, 2024 10:50:31 AM
    It's no secret that the marketplace for Texas Home Insurance is a giant mess. We receive phone call after phone call of Texas homeowners who have ...
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    Topics: home insurance, deductible, split deductibles, percentage deductibles, claim, TRUE Texas Home Insurance

    Securing Your Church Event with the Right Insurance

    Posted by Kevin Hall on Apr 5, 2024 5:00:56 PM
    Many small and medium sized towns in Texas have festivals or other special events throughout the year. Fall festivals and Friday Night Lights seem to ...
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    Topics: General Liability, liability, Church Insurance, Abilene, event insurance

    Why I Regret Buying Cheap Grapevine Home Insurance

    Posted by Ron Wadley on Apr 4, 2024 8:38:59 AM
    The cost of everything is soaring. Especially Texas home insurance. The local news is continually talking about the price increases that are ...
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    Topics: home insurance, Texas, insurance for texans, claim settlement, hail, claim, homeowners insurance, independent insurance agent, Home Insurance Tips, water, Grapevine Home Insurance

    Can My Insurance Company Require Me To Bundle My Home And Auto

    Posted by Ron Wadley on Apr 2, 2024 4:00:07 PM
    Texas homeowners have become conditioned to talk about the bundle when it comes to their insurance. There have been countless commercials about ...
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    Topics: auto insurance, home insurance, discounts, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance

    Is Home Insurance A Scam?

    Posted by Ron Wadley on Mar 28, 2024 8:29:25 PM
    A gentleman by the name of Scott called into our office the other day. He was looking to find a new home insurance carrier for his policy. ...
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    Topics: Home Insurance Tips, TRUE Texas Home Insurance, basics of home insurance

    Does Your Texas Church Have Adequate Water Coverage?

    Posted by Kevin Hall on Mar 25, 2024 5:14:12 PM
    Every Texas church leader knows the worry of hail damage given its frequency and potential for destruction. And for good reason too. Of all the filed ...
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    Topics: water, property, business personal property, Church Insurance

    Sticker Shock at Renewal Time: Navigating Your Texas Church Insurance

    Posted by Kevin Hall on Mar 18, 2024 5:56:10 PM
    Leslie has been a member of her local church in Tyler for many years. During that time she has worn many hats and her current role has her leading ...
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    Topics: General Liability, professional liability, liability, property, Church Insurance

    Hail Insurance For Your Home

    Posted by Ron Wadley on Mar 13, 2024 11:45:00 AM
    Even with the mass migration of new people to our great state, if you have lived here for more than a hot minute you've seen some weather. Texans new ...
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    Topics: home insurance, Texas, weather, insurance for texans, independent insurance broker, replacement cost, actual cash value, Fort Worth, windstorms, claim settlement, deductible, North Texas, Dallas, Dallas/Fort Worth, percentage deductibles, dwelling, Burleson Home Insurance, hail

    Pastoral Guidance, Legal Guard: Ensuring Your Church Is Covered

    Posted by Kevin Hall on Mar 12, 2024 2:16:30 PM
    Steven is the pastor of a growing church in Waco that is trying to provide key services and ministry to their community and members. As the church ...
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    Topics: General Liability, professional liability, liability, Waco, Church Insurance

    Missed Enrollment? How Texans Can Secure Health Insurance Mid-Year

    Posted by Kevin Hall on Mar 11, 2024 10:45:28 AM
    Imagine you're Heather, a self-employed graphic designer from Odessa, Texas. You've been juggling clients, deadlines, and your own creative projects ...
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    Topics: health insurance, ACA, Short Term Medical, catastrophic health coverage, ACA Alternatives, Obamacare, private health insurance

    The True Cost of Protection: High Deductibles in Texas Home Insurance

    Posted by Ron Wadley on Mar 5, 2024 3:31:56 PM
    Louise gazed out her San Antonio window as dark clouds gathered across the horizon. This is an all too familiar scene during the Spring in Texas, and ...
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    Topics: home insurance, deductible, split deductibles, percentage deductibles, hail, Home Insurance Tips, TRUE Texas Home Insurance, Amarillo, San Antonio

    How Directors & Officers Insurance Safeguards Your Church's Stewards

    Posted by Kevin Hall on Mar 4, 2024 11:40:53 AM
    During a finance committee meeting at Larry's church in Abilene, they were confronted with the latest monthly statements. It showed a significant ...
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    Topics: liability, D&O, Church Insurance

    Saving Grace: How Small Churches Can Navigate Soaring Insurance Costs

    Posted by Kevin Hall on Mar 1, 2024 3:59:55 PM
    Nelda is a dedicated church secretary in Austin, Texas. She has been confronted with a pressing challenge at the small church that she works at and ...
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    Topics: General Liability, Business Owner, Austin, property, Church Insurance

    Hacked & Held Hostage: Navigating Cyber Threats to Your Texas Church

    Posted by Kevin Hall on Feb 26, 2024 12:32:56 PM
    Landry is the pastor of a local Ft Worth church who has encountered a digital crisis that tested the bounds of his community's faith. After a routine ...
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    Topics: Fort Worth, cyber insurance, ransomware, phishing, cyber crime, data theft, malware, Church Insurance

    Counting Hailstones: Understanding Texas' Two Hail Seasons

    Posted by Ron Wadley on Feb 22, 2024 5:11:05 PM
    In Abilene, Texas, Debbie stood on her porch, watching as the sky turned a menacing shade of gray. The air was thick with anticipation, a prelude to ...
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    Topics: home insurance, windstorms, hail, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance, basics of home insurance, Abilene

    What Kind Of Liability Insurance Does My Texas Church Need?

    Posted by Kevin Hall on Feb 21, 2024 2:32:08 PM
    Pastor Jonathan was preparing for a meeting with his church elders to look at the budget for the upcoming year. As he looked over his church ...
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    Topics: General Liability, professional liability, liability, employment liability insurance, cyber insurance, Austin, Church Insurance

    Weathering the Storm: Surviving Hail Coverage Shifts in Texas

    Posted by Ron Wadley on Feb 20, 2024 4:45:48 PM
    Gene sat in his Lubbock kitchen, staring at the renewal documents for his home insurance coverage. The Texas sky outside was clear today, but Gene's ...
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    Topics: actual cash value, deductible, Dallas/Fort Worth, hail, Home Insurance Tips, roofing schedule, TRUE Texas Home Insurance, lubbock

    Navigating Insurance Non-Renewals for Texas Churches

    Posted by Brad Hancock on Feb 19, 2024 5:41:33 PM
    Layne is facing a predicament that has become all too familiar to many church leaders across the Lone Star State, with his Amarillo church being no ...
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    Topics: General Liability, property, Church Insurance, Non-Profit, non-renewal

    The 2% Deductible Dilemma: What Texas Homeowners Need to Know

    Posted by Ron Wadley on Feb 16, 2024 3:34:18 PM
    Stephen is a Frisco homeowner living in the bullseye of the North Texas hail track each spring. With each storm that passes through, the risk of a ...
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    Topics: windstorms, deductible, split deductibles, percentage deductibles, hail, Home Insurance Tips, roofing schedule, TRUE Texas Home Insurance

    The Case for General Liability Insurance in Texas Churches

    Posted by Brad Hancock on Feb 14, 2024 4:56:56 PM
    An Odessa pastor named Larry is committed to his congregation's well-being, but faces a conundrum that he's not sure how to tackle. His church is a ...
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    Life Insurance Is The Best Valentine's Day Gift Ever!

    Posted by Kevin Hall on Feb 13, 2024 2:38:34 PM
    “Life’s like a box of chocolates, you never know what you're gonna get..but life insurance can help!” Robert Zemeckis’ 1994 movie Forrest Gump is ...
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    Topics: life insurance, term life insurance, permananent life insurance

    Decoding Church Insurance: Ditch the Jargon, Find True Texas Coverage

    Posted by Kevin Hall on Feb 12, 2024 5:07:10 PM
    Paul is a devoted leader of a local church in the heart of Austin who found himself navigating through the complex world of insurance jargon while ...
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    Topics: Commercial Insurance, property, business personal property, Church Insurance

    Property Insurance Tips for Texas' Churches

    Posted by Kevin Hall on Feb 9, 2024 3:01:19 PM
    Kevin is a pastor of a small church outside of Waco who is faced with a dilemma that is testing not only his faith, but that of his church leaders as ...
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    Topics: Business Owner, Waco, BOP, property, Church Insurance, Non-Profit

    What Is A Cosmetic Exclusion On A Home Insurance Policy

    Posted by Ron Wadley on Feb 7, 2024 11:08:11 AM
    As the hail claims continue to mount in Texas, the home insurance companies have begun to find new ways to lower the cost of those claims. We've seen ...
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    Topics: home insurance, insurance for texans, claim settlement, North Texas, Dallas/Fort Worth, Burleson Home Insurance, hail, homeowners insurance, independent insurance agent, Home Insurance Tips

    What Does Cosmetic Exclusion Mean on My Grapevine Home Insurance?

    Posted by Ron Wadley on Feb 7, 2024 10:45:00 AM
    As we see more hail damage here in North Texas, insurance companies have found new ways to decrease the cost of claims. They accomplish this through ...
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    Topics: home insurance, insurance for texans, claim settlement, North Texas, Dallas/Fort Worth, hail, homeowners insurance, independent insurance agent, Home Insurance Tips, Grapevine Home Insurance

    Nobody Wants To Talk About Life Insurance, Until There Is A Body

    Posted by Kevin Hall on Feb 6, 2024 10:08:14 AM
    After putting the kids to bed, Sally sat and stared at the bills on the table. She never expected to be here. With tears in her eyes, the questions ...
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    Topics: life insurance, permanent life, term life insurance, single parent life insurance

    The Hidden Risks of Skipping Workers' Comp in Texas Dental Practices

    Posted by Brad Hancock on Jan 31, 2024 4:13:42 PM
    Paul sat and stared at the envelope just delivered to his dental business in Odessa. He had been in business for twenty years and never so much as ...
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    Topics: business coverage, Business Owner, Dental Insurance, basics of business insurance, workers comp

    Hail Havoc: Is Your Metal Roof Covered in Texas Storms?

    Posted by Ron Wadley on Jan 30, 2024 11:43:04 AM
    As we roll into hail season, which is basically all year in Texas, homeowners are giving their insurance policies a once over to make sure that they ...
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    Topics: home insurance, windstorms, hail, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance, lubbock

    Is a Larger Deductible or a Roof Payment Schedule Better for Texans?

    Posted by Ron Wadley on Jan 29, 2024 5:28:53 PM
    Meet Steven from Fort Worth, a proud Texas homeowner who found himself at a crossroads when his homeowners insurance policy was set to renew. He had ...
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    Topics: deductible, percentage deductibles, hail, Home Insurance Tips, roofing schedule, TRUE Texas Home Insurance

    Understanding General Liability for Your Texas Dental Practice

    Posted by Brad Hancock on Jan 23, 2024 2:58:01 PM
    Have you ever dropped a tool while having a patient in the chair? Maybe one of your staff did? It likely wasn't a big deal, but let's talk about ...
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    Topics: business coverage, General Liability, Business Owner, Dental Insurance, Austin, basics of business insurance

    Hail No! Debunking 3 Common Myths Texas Homeowners Believe About Hail

    Posted by Ron Wadley on Jan 19, 2024 12:08:13 PM
    Hail falls all over Texas. That is not a surprise to any Texas homeowner. But some parts of the state deal with hail damage claims more than others, ...
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    Topics: home insurance, hail, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance, Amarillo, basics of home insurance

    Navigating Employee Lawsuits: A Texas Dentist's Guide to EPLI

    Posted by Brad Hancock on Jan 18, 2024 7:37:55 PM
    Grapevine, is a place where the community values its local businesses. Harry located his dental office there and has been a fixture in the downtown ...
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    Topics: business coverage, Business Owner, employer insurance, Dental Insurance, Grapevine, employment liability insurance, basics of business insurance

    The Dentist's Guide to Business Interruption Insurance

    Posted by Brad Hancock on Jan 15, 2024 4:40:43 PM
    When Texans think of insurance claims, the topic of weather always seems to pop-up. It makes sense because it is the most frequent kind of claim for ...
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    Topics: business coverage, business income coverage, Dental Insurance, commercial texas insurance, lubbock, BOP, business interruption

    Sign Up Before ACA Open Enrollment 2024 Closes

    Posted by Kevin Hall on Jan 10, 2024 2:53:06 PM
    Hey there, neighbors! We know no one LIKES to talk about health insurance. But here’s a friendly reminder from your pals at Insurance for Texans that ...
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    Topics: health insurance, ACA, ACA Alternatives, open enrollment

    A Dentist's Guide to Protecting Their Equipment Against Breakdown

    Posted by Brad Hancock on Jan 8, 2024 3:37:06 PM
    On the west side of Ft Worth, Texas, there's a dedicated dentist named Robert. His dental office, a thriving part of the community, recently faced an ...
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    Topics: weather, business coverage, Business Owner, Dental Insurance, business personal property

    Why Isn't The Entire Roof Being Replaced On My Home?

    Posted by Ron Wadley on Jan 5, 2024 4:20:25 PM
    Hey there, fellow Texans! Today, we've got a story that hits close to home for many of us, since we've all been through at least one of our notorious ...
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    Topics: replacement cost, windstorms, Dallas/Fort Worth, hail, Home Insurance Tips, TRUE Texas Home Insurance

    Winterize Your Home the Lone Star Way – Beyond the Whataburger Cup

    Posted by Ron Wadley on Dec 31, 2023 5:17:00 PM
    As the calendar flips to January and the cool breezes start tickling the back of our necks here in Texas (yes, even we get a taste of winter!), it's ...
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    Topics: Home Maintenance, Winter, Freezing, claim, TRUE Texas Home Insurance

    Why Won't My Insurance Coverage Replace My Roof?

    Posted by Ron Wadley on Dec 29, 2023 10:15:00 AM
    With all of the insurance companies being in the news for the wicked increases in home insurance rates over the last two years, more and more Texans ...
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    Topics: replacement cost, actual cash value, windstorms, hail, roofing schedule, TRUE Texas Home Insurance, Austin

    How Business Interruption Insurance Keeps Texas Businesses Thriving

    Posted by Brad Hancock on Dec 28, 2023 1:28:09 PM
    Cecil owns a food manufacturing operation in Lubbock. When one of those thunderstorms that races across the high plains ravaged his property, halting ...
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    Topics: business coverage, hail, Business Owner, Commercial Insurance, commercial texas insurance, lubbock, basics of business insurance, business interruption

    When Disaster Strikes Your Dental Chair: The Right Coverage Matters

    Posted by Brad Hancock on Dec 27, 2023 10:12:54 AM
    None of us like surprises. I'm sure that you feel appreciated when your dental office staff surprises you with a moment of gratitude for the amazing ...
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    Topics: Business Owner, Dental Insurance, basics of business insurance, business interruption, inland marine, business personal property

    Understanding Deductible Buy Downs for Your Business Property

    Posted by Brad Hancock on Dec 22, 2023 11:29:00 AM
    Meet Ted, a business owner in Dallas. Ted has a flourishing dental office in East Dallas where he takes care of families with great care! Ted loves ...
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    Topics: windstorms, business coverage, deductible, Dallas, Dallas/Fort Worth, percentage deductibles, hail, Business Owner, Commercial Insurance, property

    Do Texas Print Shops Need Pollution Insurance?

    Posted by Brad Hancock on Dec 18, 2023 3:52:05 PM
    Allison is a dedicated print shop owner in Fort Worth. She is currently facing a dilemma common to many print shop owners as she is evaluating her ...
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    Topics: business coverage, General Liability, basics of business insurance, property, print shop, business interruption, pollution

    Don't Let Accidents Print Red: Insurance Must Haves for Print Shops

    Posted by Brad Hancock on Dec 12, 2023 3:27:10 PM
    Meet Henry, a proud Texan and diligent owner of a local print shop in Denton. Henry unfortunately encountered a situation many Texas business owners ...
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    Topics: business coverage, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, print shop

    Why Two Home Insurance Quotes Can Have VERY Different Prices

    Posted by Ron Wadley on Dec 11, 2023 10:10:36 AM
    As the average costs of basically everything have continued to skyrocket, the cost of homeowners insurance is no exception. The average rates in ...
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    Topics: home insurance, homeowners insurance, Home Insurance Tips, Grapevine Home Insurance, TRUE Texas Home Insurance, basics of home insurance

    Closed for Repairs: Navigating Business Stoppage After a Texas Storm

    Posted by Brad Hancock on Dec 7, 2023 5:18:57 PM
    Meet our friend Louise. Louise is the proud owner of a print shop located in Lubbock, Texas. Louise has built her business taking care of her friends ...
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    Topics: business income coverage, Business Owner, cyber insurance, basics of business insurance, print shop, business interruption

    From Presses to Profits: Protecting Your Print Shop's Vital Equipment

    Posted by Brad Hancock on Nov 30, 2023 11:57:10 AM
    Let's talk about Peter, a proud owner of a bustling print shop right here in the heart of Waco. His story is one that many Texan print shop owners ...
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    Topics: business coverage, Business Owner, commercial texas insurance, Waco, basics of business insurance, property, print shop

    How Texas Print Shops Can Overcome Equipment Automation Failures

    Posted by Ron Wadley on Nov 28, 2023 10:56:06 AM
    Picture this: Bradley, a proud Texan and owner of a bustling print shop in Midland, faced a nightmare scenario. His automated print shop equipment, ...
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    Topics: Business Owner, Commercial Insurance, cyber insurance, commercial texas insurance, BOP, print shop, mechanical breakdown

    Pressing Matters: The Essential Guide to Workers Comp for Texas Print Shops

    Posted by Brad Hancock on Nov 27, 2023 3:41:44 PM
    In the middle of Amarillo, there's a bustling print shop owned by a gal named Mary. She's as Texan as they come - tough, entrepreneurial, and always ...
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    Topics: workmans compensation, business coverage, Business Owner, Commercial Insurance, commercial texas insurance, Amarillo, basics of business insurance, print shop

    Broken Machines, Not Spirits: Texas Print Shop Insurance Solutions

    Posted by Brad Hancock on Nov 21, 2023 3:31:09 PM
    Let's take a journey into the life of Hector, a dedicated Austinite who runs a vibrant print shop. Hector's world revolves around the rhythmic dance ...
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    Topics: business coverage, Business Owner, Commercial Insurance, basics of business insurance, property, print shop, mechanical breakdown

    Are Texas Insurance Rates Climbing Faster Than Other States?

    Posted by Ron Wadley on Nov 20, 2023 4:01:25 PM
    Understanding the trends in insurance costs is essential for Texans, especially since these rates are increasing faster than you can shake a stick at ...
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    Topics: auto insurance, insurance for texans, windstorms, hail, claim, homeowners insurance, Home Insurance Tips

    Don't Let Hackers Print Your Demise: The Role of Cyber Insurance in Texas

    Posted by Brad Hancock on Nov 15, 2023 4:03:51 PM
    Meet Mary, a dedicated print shop owner in Texas who recently faced a daunting challenge that's becoming all too common for Texas Business Owners - a ...
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    Topics: business coverage, Business Owner, cyber insurance, commercial texas insurance, cyber crime, Amarillo, basics of business insurance, print shop

    Avoiding The Smudge: Professional Liability Lessons for Print Shops

    Posted by Brad Hancock on Nov 13, 2023 3:50:49 PM
    Louise's print shop stands as a testament to her hard work and dedication. She has been serving Abilene for many years taking care of friends and ...
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    Topics: business coverage, professional liability, Business Owner, Commercial Insurance, basics of business insurance, print shop

    Personal Cars, Professional Duties: Is Your Print Shop's Delivery Insured?

    Posted by Brad Hancock on Nov 10, 2023 5:36:04 PM
    Deep in Central Texas, where the Brazos flows and people keep moving in, lies Michael's Printshop – a cornerstone of the Waco community. Michael, ...
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    Topics: auto insurance, Business Owner, Commercial Insurance, basics of business insurance, BOP, print shop, commercial auto insurance

    Hacked: Saving Your Manufacturing Plant's Revenue from Cyber Thieves

    Posted by Brad Hancock on Nov 9, 2023 5:40:40 PM
    Imagine you're Jerry, a Texas manufacturing business owner who's just encountered a nightmare: that his last invoice to his biggest customer was ...
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    Topics: business coverage, business income coverage, General Liability, Business Owner, cyber insurance, commercial texas insurance, manufacturer, cyber crime, basics of business insurance

    Texas Residents: Discover If You Can Really Get Health Insurance at No Cost!

    Posted by Kevin Hall on Nov 6, 2023 10:32:23 AM
    Nancy, a resident of the bustling suburbs of Dallas-Ft Worth, sat staring at an open laptop flashing an array of confusing premium options for her ...
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    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, prescription coverage, private health insurance

    Why Does A Texas Business Needs A Business Owners Policy?

    Posted by Brad Hancock on Nov 2, 2023 4:16:31 PM
    Stephen, an owner of a bustling cafe in downtown Austin, recently faced a harsh reality that many small business owners in Texas confront: the ...
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    Topics: business coverage, business income coverage, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, BOP

    What Happens If I Don't Have Health Insurance In Texas?

    Posted by Kevin Hall on Nov 1, 2023 4:18:11 PM
    Jorge, a native Texans, recently encountered a significant dilemma common to many Texans: the challenges of navigating healthcare without insurance. ...
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    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, supplemental health plans, private health insurance

    The Insider's Guide to Health Insurance Rates in Texas: What You're Really Paying

    Posted by Kevin Hall on Oct 30, 2023 4:05:28 PM
    In Texas, health insurance is as complex as it is critical. Take Mary, for example, a resident of Fort Worth, struggling to navigate the murky waters ...
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    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare, supplemental health plans, private health insurance

    What Do Texans Need To Know About Open Enrollment

    Posted by Kevin Hall on Oct 26, 2023 3:32:25 PM
    Paul, a dedicated Texan and father of two, had always prided himself on navigating life’s challenges with ease. But this year, faced with the ...
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    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, private health insurance, open enrollment

    What Role Do Pharmacy Benefits Managers Play In Health Insurance

    Posted by Kevin Hall on Oct 25, 2023 2:51:48 PM
    Stephanie, a self-employed Texan and a proud entrepreneur, stood confused at her local pharmacy counter. She just received a surprisingly high bill ...
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    Topics: health insurance, ACA, employer group policy, ACA Alternatives, prescription coverage, private health insurance, group health, employer health insurance

    How Can Texas Businesses Save Money On Health Insurance Costs

    Posted by Kevin Hall on Oct 24, 2023 5:04:40 PM
    Louis, a passionate Texan entrepreneur, always dreamt of providing his employees with the best of everything. But recently, he faced an unforeseen ...
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    Topics: insurance for texans, business coverage, health insurance, employer group policy, group health, employer health insurance

    Are Private Health Plans in Texas Cheaper Than ACA Plans?

    Posted by Kevin Hall on Oct 23, 2023 2:30:37 PM
    Texas is known for its vast landscapes and boundless aspirations. Our friend Stephen, like many self-employed Texans, embodies the spirit of ...
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    Topics: insurance for texans, health insurance, ACA, catastrophic health coverage, ACA Alternatives, private health insurance

    Can Texans Get Health Insurance That Doesn't Require Pre-Authorizations?

    Posted by Kevin Hall on Oct 20, 2023 3:06:11 PM
    Health insurance can sometimes seem like a maze with all its terms, conditions, and processes. Shoot. It seems like you even need to submit an ...
    Read More

    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, private health insurance, group health

    What is a Denial of Service Attack & Does Cyber Insurance Help?

    Posted by Brad Hancock on Oct 19, 2023 1:48:32 PM
    Over the last year, businesses across the world have seen an increase in different cyber attacks on their infrastructure and livelihood. Some of the ...
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    Topics: insurance for texans, business coverage, Business Owner, Commercial Insurance, cyber insurance, cyber crime, basics of business insurance, denial of service

    What Your Primary Care Doc Wish They Could Say About Health Insurance

    Posted by Ron Wadley on Oct 18, 2023 4:30:44 PM
    Let me introduce you to Andrea, a hardworking Texan who was deeply frustrated by her healthcare experience. Andrea, like many of us, often found ...
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    Topics: insurance for texans, health insurance, catastrophic health coverage, private health insurance, group health, direct primary care

    Did Your Texas Home Insurance Company Screw You?

    Posted by Ron Wadley on Oct 17, 2023 3:35:57 PM
    Have you noticed that monthly premiums for homeowners insurance policies in Texas have exploded? Particularly in the Dallas-Ft Worth metroplex? If ...
    Read More

    Topics: home insurance, Burleson Home Insurance, hail, high value home, homeowners insurance, Home Insurance Tips, Grapevine Home Insurance, TRUE Texas Home Insurance

    What Can I Do If My Health Insurance Deductible Is Too High?

    Posted by Kevin Hall on Oct 16, 2023 5:02:05 PM
    Ricky has spent the last eighteen months on a Bronze level plan he purchased for his family of four from the ACA Exchange. Fortunately for him, the ...
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    Topics: deductible, health insurance, ACA, ACA Alternatives, Obamacare, supplemental health plans

    Do I Really Need A Cancer Insurance Policy?

    Posted by Kevin Hall on Oct 12, 2023 11:27:55 AM
    George called our office last week. We helped him get a health insurance policy during open enrollment for this calendar year. He called because he ...
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    Topics: health insurance, catastrophic health coverage, supplemental health plans, private health insurance, cancer insurance

    Does My Student Athlete Need An Accident Policy?

    Posted by Ron Wadley on Oct 11, 2023 5:29:06 PM
    I was sitting in the bleachers at the high school football game for my daughter's school. One of the most Texan things that you can do on a Friday ...
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    Topics: health insurance, catastrophic health coverage, accident policy, supplemental health plans, private health insurance

    What Does Invoice Manipulation Look Like?

    Posted by Ron Wadley on Oct 10, 2023 2:07:30 PM
    When we hear of cyber crimes there are a lot of eyeballs that glass over. We think it couldn't happen to us. That happens to someone huge like the ...
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    Topics: business coverage, Business Owner, cyber insurance, phishing, cyber crime, invoice manipulation, basics of business insurance

    What Can My Texas Business Do If My Insurance Company Requires A Large Hail Deductible?

    Posted by Brad Hancock on Oct 6, 2023 9:45:00 AM
    As a business owner in Texas, you are no stranger to the dynamic and sometimes unpredictable weather conditions that come with living in the Lone ...
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    Topics: business coverage, hail, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

    Am I Required To Use My Health Insurance Or Can I Pay Cash?

    Posted by Kevin Hall on Oct 2, 2023 3:06:12 PM
    Many people have come to realize that paying cash for medical expenses can often be much cheaper than relying on insurance copays. In Texas, services ...
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    Topics: health insurance, catastrophic health coverage, supplemental health plans, private health insurance, group health

    How Do I Get The Best Price On Health Insurance In Texas?

    Posted by Kevin Hall on Sep 29, 2023 8:45:00 AM
    A lady named Mary called into our office the other day. She was stuck between a rock and a hard place. She was trying to secure her own individual ...
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    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Pre-Existing Condition, Obamacare, cobra, private health insurance

    Is Your Insurance Agent A Side Hustle Agent?

    Posted by Brad Hancock on Sep 28, 2023 9:45:00 AM
    Everywhere you look these days, it's common to have side hustles. A lot of people want to go into business for themselves, but don't feel like they ...
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    Topics: business coverage, independent insurance agent, Business Owner, Commercial Insurance, basics of business insurance

    What Does A 3% Hail Deductible Mean For Texas Homeowners?

    Posted by Ron Wadley on Sep 27, 2023 10:15:00 AM
    "Howdy Folks! I'm Big Tex! And welcome to the great state fair of Texas." It is currently state fair time in Texas and there are changes happening in ...
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    Topics: home insurance, windstorms, deductible, hail, homeowners insurance, Home Insurance Tips, roofing schedule, TRUE Texas Home Insurance

    What Kind of RV Insurance Do I Need As A Full Timer?

    Posted by Kevin Hall on Sep 26, 2023 12:06:36 PM
    I enjoy the RV Life! Since the days of purchasing my first bumper-pull travel trailer to use as a second office in DFW to upgrading to a fifth wheel ...
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    Topics: insurance for texans, replacement cost, liability, RV, travel trailer

    MGM Cyber Attack: Businesses of All Sizes Are Vulnerable to Cyber Attacks

    Posted by Brad Hancock on Sep 25, 2023 10:39:35 AM
    Las Vegas is the alluring vixen that draws us in with her promise of fame and fortune. There is a belief that we can leave Las Vegas with the ...
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    Topics: business coverage, Business Owner, Commercial Insurance, cyber insurance, commercial texas insurance, cyber crime

    How Direct Primary Care Works with Health Insurance

    Posted by Dr Andrea Wadley, MD, IBCLC on Sep 22, 2023 1:31:12 PM
    Direct primary care and health insurance seem to be at odds with each other, but is that really the case? About a year ago, I was diagnosed with a ...
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    Topics: health insurance, catastrophic health coverage, ACA Alternatives, supplemental health plans, private health insurance, health insurance portability

    What Does General Liability Do For My Texas Business?

    Posted by Brad Hancock on Sep 21, 2023 4:25:24 PM
    In the vast and diverse business landscape of Texas, safeguarding your enterprise like we protect against hailstorms is paramount. One of the key ...
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    Topics: business coverage, General Liability, liability, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

    What Is The Difference Between General Liability And Professional Liability?

    Posted by Brad Hancock on Sep 20, 2023 2:23:29 PM
    As businesses evolve and grow, their needs change. Just like many other Texas businesses, Insurance For Texans started from virtually nothing but a ...
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    Topics: business coverage, General Liability, professional liability, liability, Business Owner, Commercial Insurance, medical malpractice, malpractice, basics of business insurance

    How Does Location Affect Property Insurance In Texas?

    Posted by Ron Wadley on Sep 19, 2023 4:34:04 PM
    Howdy, y'all! Grab your sweet tea and gather 'round because today, we're diving into a Texan truth that's as big as the Lone Star State itself: ...
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    Topics: windstorms, deductible, hail, rental property, investment property, Home Insurance Tips, commercial texas insurance, property

    Does My Business Insurance Cover My Inventory?

    Posted by Brad Hancock on Sep 18, 2023 10:00:59 AM
    Imagine a thriving local Texas bicycle shop, widely recognized for its unwavering commitment to customer service and the exceptional quality of its ...
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    Topics: business coverage, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, inventory

    Can Doctors Be Sued For More Than Their Malpractice Limits In Texas

    Posted by Brad Hancock on Sep 15, 2023 10:58:06 AM
    There is a trend that is growing nationwide for physicians to take back their practices and have direct contracts with their patients while ...
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    Topics: medical malpractice, malpractice, physicians

    What Does A Maximum Benefit Mean On A Health Insurance Policy?

    Posted by Kevin Hall on Sep 12, 2023 5:22:25 PM
    As we continue our look at the various Health Plans available to Texans today, it's important to keep in mind the important pieces of the costs of ...
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    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare, private health insurance, group health

    Who Is Catastrophic Health Insurance Right For?

    Posted by Kevin Hall on Sep 11, 2023 2:47:48 PM
    With the budgets of Texans tightening as we all experience the effects of the higher cost of EVERYTHING, many families young and old are looking at ...
    Read More

    Topics: health insurance, catastrophic health coverage, ACA Alternatives, private health insurance

    Why You Should Consider Portability in Your Health Insurance Plan

    Posted by Kevin Hall on Sep 8, 2023 10:58:50 AM
    As a digital nomad, entrepreneur, or self-employed individual, you have the freedom to create your own path and work from anywhere in the world. ...
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    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Pre-Existing Condition, Obamacare, private health insurance, digital nomad, health insurance portability

    What Can I Do If My Insurance Company Forces Me Into Having Actual Cash Value On My Business Roof?

    Posted by Brad Hancock on Sep 7, 2023 11:32:50 AM
    The insurance marketplace for commercial property in Texas is currently experiencing a state of upheaval. This is primarily due to the challenges ...
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    Topics: business coverage, hail, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, property

    What Can I Do If My Insurance Company Drops Hail Coverage On My Policy For My Texas Business?

    Posted by Brad Hancock on Sep 5, 2023 1:23:36 PM
    In recent weeks, many Texas business owners have received their commercial insurance policy renewals in the mail. And many of these renewals can feel ...
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    Topics: windstorms, business coverage, hail, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

    Why Does My Business Need Hail Coverage If I Rent My Space?

    Posted by Brad Hancock on Sep 1, 2023 11:25:43 AM
    The Texas summer has been long and hot. Almost historic when looking at the number of days that it has felt like the surface of the sun. As the ...
    Read More

    Topics: windstorms, business coverage, hail, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, BOP

    When Is Texas' Hail Season And How Does It Affect My Business?

    Posted by Brad Hancock on Aug 31, 2023 1:23:28 PM
    There is mass chaos afoot in the Texas insurance landscape right now. The claims caused by catastrophic hail storms all across the state this year ...
    Read More

    Topics: business coverage, deductible, split deductibles, commercial property values, hail, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, property

    Why Would Texans Choose Catastrophic Health Insurance Over Other Plans

    Posted by Kevin Hall on Aug 30, 2023 4:38:24 PM
    In the ever-evolving landscape of healthcare, Texans are on the hunt for innovative ways to navigate rising costs and secure affordable health ...
    Read More

    Topics: health insurance, catastrophic health coverage, ACA Alternatives, private health insurance

    Is it Bad To Pay Cash for Healthcare Rather Than Using Health Insurance?

    Posted by Ron Wadley on Aug 29, 2023 3:20:42 PM
    As we gear up for the end of the year and navigate open enrollment season health insurance, the team at Insurance for Texans believes it's high time ...
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    Topics: health insurance, ACA, catastrophic health coverage, private health insurance, group health

    Top Three Operational Risks To Your Business From A Cyber Attack

    Posted by Ron Wadley on Aug 28, 2023 4:04:17 PM
    In a Texas where technology plays an integral role in businesses of all sizes, the threat of cyber attacks has never been more pressing. From large ...
    Read More

    Topics: business coverage, business income coverage, Business Owner, cyber insurance, ransomware, phishing, cyber crime, basics of business insurance, data theft

    What's The Most Important Factor On A Health Insurance Policy

    Posted by Kevin Hall on Aug 25, 2023 12:04:06 PM
    As the summer hangs on with the triple digit temps into September, it's hard to imagine that it is almost time for millions of Texans to begin ...
    Read More

    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare, cobra, supplemental health plans, private health insurance

    Navigating Commercial Insurance: Expertise and Representation Matter

    Posted by Brad Hancock on Aug 24, 2023 2:36:23 PM
    With all of the chaos in the insurance marketplace, business owners are being bombarded by insurance agents asking for their business. We admit that ...
    Read More

    Topics: business coverage, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

    Insurance Carrier Service Centers: Where is my Agent?

    Posted by Brad Hancock on Aug 23, 2023 8:43:13 AM
    Today, we're diving into a significant shift within the insurance industry landscape that you should be aware of. While we're excited to share some ...
    Read More

    Topics: business coverage, commercial property values, Business Owner, Commercial Insurance, basics of business insurance

    How Do Private Health Plans Keep Premiums Lower?

    Posted by Kevin Hall on Aug 22, 2023 1:26:05 PM
    As monthly premiums soar and maximum out-of-pocket costs on health insurance policies continue to rise, the total cost of health insurance is getting ...
    Read More

    How Can I Get A Group Health Plan For My Business?

    Posted by Kevin Hall on Aug 21, 2023 11:19:03 AM
    As the employment market in Texas has continued to tighten for employers and become overly competitive for top talent, smaller businesses that have ...
    Read More

    Topics: business coverage, health insurance, employer group policy, employer insurance, private health insurance, group health

    What Are My HIPAA Concerns With A Cyber Incident?

    Posted by Brad Hancock on Aug 17, 2023 3:58:15 PM
    If you own or run a dentist practice, medical office, chiropractic office, or other business that collects or handles healthcare data in conjunction ...
    Read More

    Topics: business coverage, electronic data processing equipment, business income coverage, Business Owner, cyber insurance, cyber crime, data theft

    Which Health Plan Is Better Between An HMO or PPO?

    Posted by Kevin Hall on Aug 16, 2023 3:48:43 PM
    When it comes to choosing the right health insurance plan, Texans buying individual coverage must navigate through a variety of options. Sifting ...
    Read More

    Topics: health insurance, ACA, ACA Alternatives, Obamacare, supplemental health plans, private health insurance, HMO, PPO

    How Do I Compare Two Different Health Plans?

    Posted by Ron Wadley on Aug 15, 2023 3:01:56 PM
    In the realm of health insurance, navigating the various plans and options available can feel like traversing a complex maze. Insurance For Texans is ...
    Read More

    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, supplemental health plans, private health insurance

    Data Concerns From Cyber Attacks

    Posted by Brad Hancock on Aug 14, 2023 10:15:34 AM
    Unfortunately, the threat of cyber attacks looms large over individuals, businesses, and organizations of all sizes. It seems like there is a new ...
    Read More

    Topics: business coverage, electronic data processing equipment, Commercial Insurance, cyber insurance, ransomware, cyber crime, basics of business insurance, data theft, malware

    What Are Private Health Plans?

    Posted by Kevin Hall on Aug 9, 2023 1:59:12 PM
    I’m a big consumer of Texas’s own Blue Bell Ice Cream. I love all their flavors and the goodness they put into every pint or gallon of creamy ...
    Read More

    Topics: health insurance, catastrophic health coverage, ACA Alternatives, Obamacare, cobra, supplemental health plans, private health insurance

    Insurance Value - The Promise Of Certainty

    Posted by Ron Wadley on Aug 8, 2023 4:16:20 PM
    At Insurance For Texans we understand the concerns and challenges you face in the ever-changing landscape of inflation. In a world where costs seem ...
    Read More

    Topics: insurance for texans, Commercial Insurance, TRUE Texas Home Insurance, basics of home insurance, basics of business insurance

    What is COBRA Health Insurance?

    Posted by Kevin Hall on Aug 7, 2023 8:46:50 PM
    Most Texans could not tell you what the Consolidated Omnibus Budget Reconciliation Act is, but they sure do rely on it. The Consolidated Omnibus ...
    Read More

    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Pre-Existing Condition, Obamacare

    Why Are Health Insurance Networks So Important In Texas?

    Posted by Kevin Hall on Aug 3, 2023 2:06:52 PM
    In the complex world of health insurance, it can be easy to get lost in the jargon and technicalities. However, one aspect that should not be ...
    Read More

    Topics: health insurance, ACA, Insurance Policy, catastrophic health coverage, ACA Alternatives, supplemental health plans

    What is A High Deductible Health Plan?

    Posted by Kevin Hall on Aug 2, 2023 4:19:28 PM
    In this period of inflation, Texans everywhere are looking for ways to save money. Health care costs have become a major line item in family budgets ...
    Read More

    Topics: deductible, Dallas/Fort Worth, health insurance, ACA, ACA Alternatives, Obamacare

    What Makes A Great Commercial Insurance Application?

    Posted by Brad Hancock on Aug 1, 2023 9:10:41 PM
    Commercial insurance is an important aspect of protecting your Texas-based business from potential risks and financial losses. Whether you own a ...
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    Topics: business coverage, business income coverage, Business Owner, Commercial Insurance, cyber insurance, commercial texas insurance, basics of business insurance

    How Much Does Health Insurance Cost Per Month In Texas?

    Posted by Ron Wadley on Jul 31, 2023 9:30:00 AM
    Conversations happen around the kitchen table in many homes in Texas. Bob and Nancy were no different. Through the years, they have discussed many ...
    Read More

    Topics: insurance for texans, health insurance, ACA, Short Term Medical, independent insurance agent, independent insurance agency, Business Owner, catastrophic health coverage, ACA Alternatives

    What Is a Maximum Out of Pocket on Health Insurance

    Posted by Kevin Hall on Jul 28, 2023 9:45:00 AM
    When considering health insurance plans, it is important to understand the financial implications of your coverage. One key aspect to consider is the ...
    Read More

    Topics: deductible, health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare

    Texas Law On Waiving Insurance Deductibles

    Posted by Ron Wadley on Jul 27, 2023 10:46:00 AM
    When we first published this article on the "new" Texas law that went into effect in September, 2019 there was a lot of chatter about roofing ...
    Read More

    Topics: home insurance, Texas, insurance for texans, windstorms, deductible, Dallas/Fort Worth, Burleson Home Insurance, homeowners insurance, Home Insurance Tips, independent insurance agency

    How To Save Money On Short Term Medical Plans

    Posted by Kevin Hall on Jul 26, 2023 9:15:00 AM
    When talking with a potential client the other day who was very frustrated about having to pay too much on her health insurance, we explored what is ...
    Read More

    Topics: health insurance, Short Term Medical, ACA Alternatives, Obamacare

    Inexperienced Commercial Agents: How A Contractor Was In Jeopardy

    Posted by Brad Hancock on Jul 25, 2023 8:35:06 AM
    In a prior article on our website about inexperienced commercial agents, we explained why many licensed insurance agents are moving away from ...
    Read More

    Topics: business coverage, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

    Inexperienced Commercial Agents: A Threat To Your Businesses

    Posted by Brad Hancock on Jul 24, 2023 10:51:24 AM
    As recessionary pressures have mounted on both consumers and businesses, we have begun to see certain trends occur in both insurance companies and ...
    Read More

    Topics: business coverage, independent insurance agency, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

    What Is A Copay On Health Insurance?

    Posted by Kevin Hall on Jul 21, 2023 5:24:15 PM
    When it comes to understanding the intricacies of health insurance, it's important to familiarize yourself with common terms and concepts. One such ...
    Read More

    Topics: health insurance, ACA, independent insurance agent, ACA Alternatives

    What Is A Health Insurance Deductible & Why Do Texans Obsess Over It?

    Posted by Kevin Hall on Jul 20, 2023 4:15:30 PM
    With the second half of the year beginning, we are careening towards open enrollment for health insurance plans at what feels like warp speed. After ...
    Read More

    Topics: deductible, health insurance, ACA, ACA Alternatives

    The Basics Of Cyber Insurance: First & Third-Party Liability Coverage

    Posted by Brad Hancock on Jul 19, 2023 5:03:20 PM
    Businesses are facing an increasingly significant threat that can cripple their operations and damage their reputation—cyber attacks. As the ...
    Read More

    Topics: business coverage, business income coverage, Business Owner, cyber insurance, ransomware, cyber crime, basics of business insurance, malware

    Why Does My Commercial Lease Require General Liability Insurance?

    Posted by Brad Hancock on Jul 18, 2023 10:18:47 AM
    If you are a business owner who rents space, you may be wondering why your landlord requires you to carry general liability insurance. After all, ...
    Read More

    Topics: business coverage, General Liability, Business Owner, Commercial Insurance, basics of business insurance, BOP

    What is Professional Liability Insurance?

    Posted by Brad Hancock on Jul 17, 2023 3:39:45 PM
    Professional Liability Insurance, also known as Errors and Omissions Insurance or Malpractice Insurance, is a form of insurance that provides ...
    Read More

    Topics: professional liability, Business Owner, Commercial Insurance, medical malpractice, malpractice, basics of business insurance

    Does My Cyber Insurance Cover A Malware Attack?

    Posted by Brad Hancock on Jul 14, 2023 11:20:54 AM
    If you run a legitimate business in Texas today, you use a computer. Somewhere. We all do. Sure, you may still operate on a cash only basis, but ...
    Read More

    Topics: business coverage, business income coverage, Business Owner, cyber insurance, commercial texas insurance, cyber crime, basics of business insurance, malware

    What Is The ACA Exchange?

    Posted by Kevin Hall on Jul 13, 2023 5:45:18 PM
    Unforeseen medical emergencies can have devastating financial consequences, which is why having health insurance coverage is important for all ...
    Read More

    Topics: health insurance, ACA, catastrophic health coverage, Obamacare, supplemental health plans

    Cyber Insurance for Data Theft

    Posted by Brad Hancock on Jul 12, 2023 1:54:52 PM
    Businesses today face numerous risks when it comes to data theft. From ransomware attacks and malware infiltrations to social engineering tactics and ...
    Read More

    Topics: business coverage, electronic data processing equipment, business income coverage, Business Owner, cyber insurance, commercial texas insurance, cyber crime, basics of business insurance, data theft

    Why You Can't Operate A Business Without Cyber Insurance

    Posted by Ron Wadley on Jul 11, 2023 2:15:18 PM
    If your business is like ours, we communicate constantly via email, chat, text, messenger, and just about anything that is not a phone call. One of ...
    Read More

    Topics: electronic data processing equipment, Commercial Insurance, cyber insurance, commercial texas insurance, ransomware, cyber crime, invoice manipulation

    Want to eliminate your health deductible for a few dollars a day?

    Posted by Kevin Hall on Jul 10, 2023 5:26:50 PM
    If you've been paying any amount of attention over the last decade, you've noticed that the annual deductible on your health insurance has been ...
    Read More

    Topics: health insurance, ACA, employer group policy, ACA Alternatives, Obamacare, supplemental health plans

    When Is It Best To Not Use Prescription Drug Coverage?

    Posted by Ron Wadley on Jul 7, 2023 2:33:23 PM
    Managing the cost of prescription drugs can be a daunting task for many individuals, especially those with chronic conditions requiring long-term ...
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    Topics: health insurance, ACA, ACA Alternatives, prescription coverage, supplemental health plans

    Learn How Health Savings Accounts Can Lower Your Health Care Costs!

    Posted by Kevin Hall on Jul 6, 2023 9:33:52 AM
    Time to be real Texas! Health insurance is ridiculously expensive. There’s no way to sugarcoat it. it doesn't matter if you live in Amarillo, Austin, ...
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    Topics: Fort Worth, health insurance, ACA, ACA Alternatives, Amarillo, Austin, Waco, supplemental health plans

    Proactive Strategies to Lower General Liability Insurance Premiums

    Posted by Brad Hancock on Jul 5, 2023 5:33:06 PM
    As a business owner, it's essential to protect your company from unexpected risks and liabilities. General liability insurance plays a crucial role ...
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    Topics: Dallas/Fort Worth, General Liability, Business Owner, Commercial Insurance, Grapevine, commercial texas insurance, Austin, basics of business insurance

    The Advantage of An Agent Of Record Change

    Posted by Brad Hancock on Jul 3, 2023 2:31:47 PM
    Whether you're a home owner or a business owner, Texans are making choices everyday about where to get services to make our lives go smoothly. We are ...
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    Topics: independent insurance agent, Insurance Policy, basics of home insurance, basics of business insurance

    Why Your Business Needs Cyber Business Income Coverage

    Posted by Brad Hancock on Jun 30, 2023 1:43:26 PM
    The success of any business depends largely on the ability to generate a consistent income. Whether you're a dental office, manufacturer, or law ...
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    Topics: business coverage, Dallas/Fort Worth, business income coverage, Business Owner, Commercial Insurance, Grapevine, cyber insurance, commercial texas insurance, cyber crime, Amarillo, Austin, Waco, basics of business insurance

    What Is the Health Marketplace?

    Posted by Ron Wadley on Jun 28, 2023 1:12:08 PM
    The Health Marketplace, also known as the Health Insurance Marketplace, is an online platform established by the Affordable Care Act (ACA) to help ...
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    Topics: Texas, Dallas/Fort Worth, health insurance, ACA, Colleyville, ACA Alternatives, Grapevine, early retirees, Amarillo, Austin, Waco

    Supplemental Health Insurance For Early Retirees

    Posted by Ron Wadley on Jun 27, 2023 3:07:54 PM
    What is Supplemental Health Insurance? For early retirees in Texas who are not yet eligible for Medicare, the cost of healthcare can be daunting. ...
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    Topics: Dallas/Fort Worth, health insurance, ACA, ACA Alternatives, Grapevine, early retirees, Amarillo, Austin, Waco, supplemental health plans

    Texas Storms Bring Out True Heroes...And Advocates

    Posted by Kevin Hall on Jun 26, 2023 10:10:59 AM
    Over the past week, all parts of Texas have seen many storms. Tornados, high wind, hail, and lightning have become the norm this early Summer whether ...
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    Topics: windstorms, health insurance, life insurance, independent insurance agent, Amarillo, Austin, Tyler

    Nobody Likes To Talk About Life Insurance

    Posted by Kevin Hall on Jun 23, 2023 11:08:08 AM
    In the United States, more than five people die every minute of every day. It's just a fact of life that many Texans don't like to talk about or ...
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    Topics: life insurance, permanent life, term life insurance, whole life, final expense insurance, universal life

    How Can I Get Low Cost Prescriptions?

    Posted by Ron Wadley on Jun 22, 2023 9:13:37 AM
    Prescription drugs are a necessary part of many people's lives. This is easily understandable when you think about the amount of commercials you see ...
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    Topics: Dallas/Fort Worth, health insurance, ACA, ACA Alternatives, Pre-Existing Condition, Amarillo, Austin, prescription coverage

    Understanding the Four Parts of Rate Chaos in Insurance Premiums

    Posted by Ron Wadley on Jun 20, 2023 10:00:50 AM
    As a Texas homeowner, you may have noticed a significant increase in your insurance costs lately. You're not alone in wondering why insurance rates ...
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    Topics: home insurance, Dallas/Fort Worth, homeowners insurance, Commercial Insurance, inflation, Amarillo, Austin, Waco, basics of home insurance

    Why Do Texans Hate Health Insurance Deductibles So Much?!

    Posted by Kevin Hall on Jun 19, 2023 10:04:43 AM
    Everyone hates them when it comes to their insurance…especially health insurance. In the last decade Texans have seen such drastic increases in both ...
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    Topics: Texas, deductible, North Texas, Dallas/Fort Worth, health insurance, ACA, Colleyville, catastrophic health coverage, ACA Alternatives, Pre-Existing Condition, Obamacare, Grapevine, Amarillo, Austin, Waco

    Do I Really NeeD Vision Insurance

    Posted by Ron Wadley on Jun 16, 2023 12:11:34 PM
    One of the most often asked questions from Texans as they are looking to secure their individual health insurance plans when leaving ...
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    Topics: insurance for texans, North Texas, Dallas/Fort Worth, health insurance, ACA, Colleyville, Vision Insurance, Grapevine, Amarillo, Austin, Waco

    Finding the Right Health Insurance for Texas Public School Teachers

    Posted by Kevin Hall on Jun 15, 2023 9:45:00 AM
    As the summer break comes to an end and a new school year approaches, Texas public school teachers are busy preparing for back-to-school. Along with ...
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    Topics: Dallas/Fort Worth, health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare, Amarillo, Austin, Waco, lubbock, teacher

    Is COBRA Health Insurance A Rip-off in Texas?

    Posted by Ron Wadley on Jun 14, 2023 1:53:14 PM
    What is COBRA Health Insurance? As you approach early retirement in Texas, one of the biggest concerns that may be weighing on your mind is health ...
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    Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare, cobra, early retirees

    What are Short Term Medical Plans?

    Posted by Ron Wadley on Jun 13, 2023 3:30:00 PM
    As early retirees in Texas, it's crucial for couples in their 60s to have access to quality health insurance coverage that fits their needs and ...
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    Topics: health insurance, Short Term Medical, catastrophic health coverage, early retirees

    Reinsurance: The Invisible Force Impacting Your Insurance Premiums

    Posted by Brad Hancock on Jun 13, 2023 9:45:00 AM
    Insurance is a fundamental aspect of our lives, providing us with financial security and peace of mind. However, have you ever wondered why insurance ...
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    Topics: Insider, insurance for texans, independent insurance broker, independent insurance agent, independent insurance agency, Insurance Policy, inflation, reinsurance

    What Is Tenants Improvements & Betterments Coverage?

    Posted by Steven Keener on Jun 6, 2023 1:07:04 PM
    If you are a Texas business owner who leases space, it's crucial to be aware if your business owners policy includes coverage for Tenants ...
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    Topics: insurance for texans, business coverage, Dallas/Fort Worth, Business Owner, Commercial Insurance, commercial texas insurance, Amarillo, Austin, Waco, basics of business insurance, property

    Do You Need An Insurance Agent?

    Posted by Steven Keener on Jun 2, 2023 5:13:42 PM
    Do you need an insurance agent? The better question is why do you need an insurance agent?
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    Topics: insurance for texans, independent insurance broker, insurance broker, independent insurance agent, independent insurance agency

    Does My Law Office Need Cyber Liability?

    Posted by Brad Hancock on May 23, 2023 10:09:25 AM
    In today's digital age, businesses are increasingly reliant on technology to store and manage sensitive information. Law firms are no exception to ...
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    Topics: insurance for texans, Fort Worth, business coverage, Dallas/Fort Worth, Business Owner, Grapevine, cyber insurance, commercial texas insurance, cyber crime, Amarillo, Austin, Waco, law firm

    Why Does My Private Company Needs Directors and Officers Insurance?

    Posted by Brad Hancock on May 9, 2023 9:07:22 AM
    Director and Officers Insurance Coverage, aka D&O insurance, is a liability insurance created to safeguard a company's directors and officers ...
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    Topics: insurance for texans, business coverage, Dallas/Fort Worth, Business Owner, Commercial Insurance, commercial texas insurance, Amarillo, Austin, basics of business insurance, D&O

    Texas Business Insurance Basics: Property Coverage

    Posted by Steven Keener on May 8, 2023 7:42:05 PM
    Whether you own or rent your business location, business property insurance (also known as commercial property insurance) is a vital part of your ...
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    Topics: insurance for texans, business coverage, Dallas/Fort Worth, Business Owner, Commercial Insurance, commercial texas insurance, Amarillo, Austin, basics of business insurance, property

    What is a Business Owners Policy?

    Posted by Steven Keener on Apr 11, 2023 2:30:00 PM
    Whether you own an auto repair shop, a retail store, an accounting office, or many other Main St businesses here in Texas, a business owner's policy ...
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    Topics: insurance for texans, business coverage, Dallas/Fort Worth, Business Owner, Commercial Insurance, commercial texas insurance, Amarillo, Austin, basics of business insurance, BOP

    The Basics of Home Insurance - Dwelling Value

    Posted by Ron Wadley on Mar 28, 2023 4:06:42 PM
    There's no denying the fact that buying a home is one of the most significant investments Texans will make in their adulting phase of life. However, ...
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    Topics: Texas, Dallas/Fort Worth, dwelling, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance, Amarillo, Austin, basics of home insurance

    How To Reduce Your Health Care Costs: Limited Benefit Health Plans

    Posted by Ron Wadley on Mar 14, 2023 12:07:59 PM
    With health care costs continuing to skyrocket, many Texans attempting to retire a couple of years early are feeling the financial burden that comes ...
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    Topics: insurance for texans, Fort Worth, health insurance, ACA, catastrophic health coverage, ACA Alternatives, hospital indemnity plan, early retirees, Austin, Waco, lubbock

    How Do I Get Health Insurance Before Medicare Kicks In?

    Posted by Ron Wadley on Feb 21, 2023 11:31:44 AM
    Congratulations on deciding to and being able to retire. You've spent a lot of blood, sweat, and tears to get you here, working and saving your ...
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    Topics: insurance for texans, North Texas, Dallas/Fort Worth, health insurance, catastrophic health coverage, Obamacare, early retirees, Amarillo, Austin

    Equipment Breakdown Coverage for Manufacturing

    Posted by Brad Hancock on Feb 18, 2023 12:13:42 PM
    If your business creates physical products for other businesses or consumers, odds are that your company depends on different types of machines and ...
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    Topics: insurance for texans, business coverage, North Texas, Dallas/Fort Worth, business income coverage, Commercial Insurance, commercial texas insurance, manufacturer

    Manufacturing Automation Disruption Due To Cyber Attack

    Posted by Brad Hancock on Feb 2, 2023 5:38:44 PM
    Does your manufacturing line rely on automation? Have you automated the process to make your business more efficient and profitable? Many of our ...
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    Topics: insurance for texans, business coverage, Commercial Insurance, cyber insurance, commercial texas insurance, manufacturer, cyber crime, intellectual property

    Invoice Manipulation And Your Cyber Liability Insurance

    Posted by Brad Hancock on Feb 1, 2023 4:18:19 PM
    Invoice manipulation is one of the hottest trends in cyber crimes currently against businesses. Cyber criminals have discovered it as a more covert ...
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    Topics: insurance for texans, business coverage, Business Owner, cyber insurance, commercial texas insurance, cyber crime, invoice manipulation

    What Is Phishing?

    Posted by Brad Hancock on Jan 9, 2023 1:33:02 PM
    Phishing is a type of cybercrime in which attackers attempt to trick individuals into revealing sensitive information, such as passwords, financial ...
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    Topics: Texas, insurance for texans, business coverage, North Texas, Dallas/Fort Worth, cyber insurance, commercial texas insurance, phishing

    How Do Early Retirees Get Health Insurance Without Having A Job?

    Posted by Ron Wadley on Jan 7, 2023 12:16:07 PM
    Retiring early is a dream for many Texans. Since the COVID lockdowns of 2020 and the subsequent craziness in the employment market, the number of ...
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    Topics: Texas, insurance for texans, health insurance, ACA, Short Term Medical, catastrophic health coverage, ACA Alternatives, Obamacare, cobra, early retirees

    Why Do Manufacturers Need Cyber?

    Posted by Brad Hancock on Jan 4, 2023 6:32:18 PM
    In today's interconnected world, manufacturing risks go beyond just physical dangers on the factory floor. Cyber Security threats are increasingly ...
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    Topics: Texas, insurance for texans, North Texas, Dallas/Fort Worth, Commercial Insurance, cyber insurance, commercial texas insurance, manufacturer

    Ransomware: What Is It?

    Posted by Brad Hancock on Jan 3, 2023 9:29:31 AM
    A ransomware attack is a type of cyber attack in which a hacker infiltrates a computer system or network and encrypts the data, making it ...
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    Topics: Texas, insurance for texans, business coverage, North Texas, Dallas/Fort Worth, Commercial Insurance, cyber insurance, commercial texas insurance, ransomware

    Does My Business Need Cyber Insurance in 2023?

    Posted by Brad Hancock on Dec 31, 2022 11:50:00 AM
    Read More

    Topics: cyber insurance

    How Much Cyber Liability Coverage Do I Need?

    Posted by Brad Hancock on Dec 29, 2022 11:21:44 AM
    It is crucial that your business has enough cyber liability insurance to protect it from cyber threats and data breaches, as the costs of recovery ...
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    Topics: Texas, insurance for texans, business coverage, Dallas/Fort Worth, Commercial Insurance, cyber insurance, commercial texas insurance

    Cyber Insurance: "Pay on Behalf Of" vs. Reimbursement

    Posted by Brad Hancock on Dec 28, 2022 10:40:31 AM
    Cyber liability insurance is a type of insurance that helps businesses protect against the financial consequences of data breaches, cyber-attacks, ...
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    Topics: Texas, insurance for texans, claim settlement, Dallas/Fort Worth, Commercial Insurance, cyber insurance

    What Is Cyber Liability Insurance?

    Posted by Brad Hancock on Dec 27, 2022 1:57:28 PM
    We live in an era of increased cyber threats, but many businesses and individuals are still not aware of the risks they face. What is cyber ...
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    Topics: Texas, insurance for texans, business coverage, Dallas/Fort Worth, Commercial Insurance, cyber insurance

    Common Misconceptions About Cyber Liability

    Posted by Brad Hancock on Dec 23, 2022 9:33:23 AM
    As cyber threats increase, so does the need to protect businesses from potential losses. The number of cyber attacks is on the rise and these ...
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    Topics: Texas, insurance for texans, business coverage, liability, Commercial Insurance, cyber insurance

    Can A Doctor Be Sued For More Than $250,000 In Texas

    Posted by Ron Wadley on Dec 22, 2022 3:27:44 PM
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    Topics: professional liability, medical malpractice, tort reform, doctor, malpractice, physicians