Topics: TRUE Texas Home Insurance

In the front office of her historic Fort Worth church, Annie sits at a worn oak desk. As the church secretary, her typical day involves balancing the ...

Topics: Church Insurance, Church Podcast

" \n What is Open Perils Coverage? \n Open Perils Coverage is a type of insurance policy that protects your property against every possible cause of ...

Topics: open perils

Topics: named perils

" \n What is Liability Coverage? \n \n Liability insurance: insurance against loss from legal liability of the insured for bodily injury or property ...

Topics: Liability Insurance

" \n What is insurance indemnity? \n \n Contract of indemnity: the indemnifying party (insurance company) agrees to compensate you (the insured) for ...

Topics: Indemnity

Darkness was settling in over the Texas Panhandle on a Tuesday evening. But inside a local church, the mood was positive. The youth group had just ...

Topics: Church Insurance, Church Podcast

Topics: Church Insurance, Church Risk Assessment

" \n What is indemnity? \n Indemnity: Unlike traditional Texas home insurance that pays on a sliding scale based on the amount of damage up to a ...

Topics: TRUE Texas Home Insurance

" \n What is Church Insurance? \n \n Texas Church Insurance is a package of insurance products designed to protect religious organizations from the ...

Topics: General Liability, D&O, business personal property, Church Insurance, The Promise Of Certainty

It’s a Tuesday morning in Waco. The sun is streaming through the stained glass of the fellowship hall, casting vibrant patterns across the floor. ...

Topics: Church Insurance, Church Podcast

Topics: independent insurance broker, insurance broker, Church Insurance

Topics: actual cash value, Replacement Cost Value

" \n What is actual cash value? \n \n Actual Cash Value (ACV) is a method of valuing property based on its replacement cost minus depreciation (the ...

Topics: actual cash value

Steve is exactly the kind of guy you want serving as a deacon. As a no-nonsense rancher from Amarillo, he’s managed his church’s property committee ...

Topics: Church Insurance, Church Podcast

" \n What is Church General Liability Insurance? \n Church General Liability Insurance is a fundamental part of True Texas Church Insurance. It is a ...

Topics: General Liability, professional liability, commercial auto insurance, Church Insurance

Obtaining affordable property insurance for a Texas church right now feels a bit like trying to find a shade tree in the middle of a Panhandle ...

Topics: Church Insurance, Church Podcast

" \n What is church insurance? \n \n Texas Church insurance is a specialized category of commercial insurance designed to protect the unique ...

Topics: General Liability, professional liability, Church Insurance, abuse & molestation

" \n What is commercial auto insurance? \n \n For a Texas pest control company, commercial auto insurance is a specialized insurance policy designed ...

Topics: commercial auto insurance, Pest Control

" \n Will My Home Insurance Cover A Full Roof Replacement For A Hail Claim? \n \nWhile traditional Texas homeowners insurance may leave you with ...

Topics: hail, roofing schedule, TRUE Texas Home Insurance

" \n What is sexual abuse and molestation coverage? \n Sexual Abuse and Molestation (SAM) Insurance is a specialized liability coverage that fills ...

Topics: Church Insurance, abuse & molestation

If you’ve lived in Texas for more than a few months, you know the sound. It starts with the sirens, followed by that low rumble of wind, and then the ...

Topics: Church Insurance, Church Podcast

Elizabeth sat at her kitchen table in Fort Worth with a stack of documents spread out in front of her. She felt completely overwhelmed by the weight ...

Topics: Church Insurance, Church Podcast

" \n How Can My Texas Church Find Insurance For Our Roof? \n \nYou can securely insure your roof by building a custom Texas Church Insurance strategy ...

Topics: hail, roofing schedule, property, Church Insurance

" \n Do Texas Churches Have To Carry Workers' Compensation Insurance? \n \nNo, but Texas churches need Workers' Compensation insurance because it ...

Topics: liability, workers comp, Church Insurance

" How Can Texas Homeowners Insure Roofs In Spite Of Insurance Companies? \n Texas homeowners can now bypass the shrinking payouts of traditional ...

Topics: deductible, hail, TRUE Texas Home Insurance

The insurance landscape for Texas churches has changed so fast that even seasoned leaders are struggling to keep up. Benjamin felt that tension ...

Topics: Church Insurance, Church Podcast

" \n What Is Texas Church Auto Insurance? \n Auto coverage as a part of Texas Church Insurance is a commercial policy acting as a financial shield ...

Topics: liability, commercial auto insurance, Church Insurance

" \n What Are Good Church Insurance Companies In Texas? \n \nA good Texas church insurance company is a strong financially rate church insurance ...

Topics: building coverage, liability, Church Insurance

" \n What Are Church Liability Requirements In Texas? \n While Texas law does not legally mandate churches to carry Texas Church Insurance or other ...

Topics: General Liability, professional liability, employment liability insurance, Church Insurance, abuse & molestation

" \n What To Expect In Texas Church Insurance Costs For 2026 \n \n In 2026, there is price relief for Texas Church Insurance. But the relief of lower ...

Topics: liability, property, Church Insurance, total cost of risk

" \n What Is Texas Church Property Insurance? \n \n Church Property Insurance is a complex commercial insurance policy designed to protect the ...

Topics: property, Church Insurance, parsonage

Mary never expected church insurance to become a crisis. As the church secretary, her role was supposed to be administrative, supportive, and steady. ...

Topics: Church Insurance, Church Podcast

" \n Is A Cheap Texas Church Insurance Policy Good Enough? \n \n A \"cheap\" Texas church insurance policy can ultimately cost you everything because ...

Topics: texas weather, property, Church Insurance

" \n What is True Texas Church Insurance? \n In the world of insurance, standard usually means average, and if you've spent more than one spring in ...

Topics: liability, property, Church Insurance

Every year when Grace Fellowship’s property insurance came up for renewal, the process felt routine. The church administrator would make a few calls, ...

Topics: Church Insurance, Church Podcast

" \n What is True Texas Church Insurance? \n \n True Texas Church Insurance is a specialized risk management program developed for Texas Churches. \n ...

Topics: liability, property, Church Insurance

" What is considered affordable church insurance? \n Affordable Church Insurance: A sustainable Texas Church Insurance package policy that balances ...

Topics: gaps in coverage, Church Insurance, affordability

When Sylvia agreed to serve on the finance committee at her Waco church, she didn’t expect insurance to become one of the most challenging parts of ...

Topics: Church Insurance, Church Podcast

" \n Key Takeaways \n \n \n \n You Cannot Buy Insurance Just Because You Want It The health insurance marketplace is not Amazon. You cannot sign up ...

Topics: health insurance, ACA, ACA Alternatives, open enrollment

" \n Key Takeaways \n \n \n \n Missing the ACA Open Enrollment deadline does not mean Texans are out of health insurance options, but it does require ...

Topics: health insurance, ACA Alternatives, open enrollment

Ted stared at the renewal packet spread across the conference table, doing the math again even though he already knew the answer. The church’s ...

Topics: Church Insurance, Church Podcast

" \n Key Takeaways \n \n \n Standard Health Insurance Leaves You Exposed Most people assume their major medical plan covers everything. But high ...

Topics: health insurance, supplemental health plans, cancer insurance

By the time Jim’s church in Lubbock finally secured a new insurance policy, he thought the hard part was over. The non-renewal notice was behind ...

Topics: Church Insurance, Church Podcast

" \n Key Takeaways \n \n \n A “nice” generalist agent can still leave your church exposed in a hard market When premiums jump 40%, you don’t need ...

Topics: liability, property, Church Insurance

Kevin’s church just outside Austin had weathered plenty of Texas storms over the years. Hail had scarred the roof more than once. Straight-line winds ...

Topics: Church Insurance, Church Podcast

Christmas week is different for pastors and church leaders. While much of the world slows down, ministry speeds up. Extra services. Extra ...

Topics: Church Insurance, Church Podcast

Bob thought they had done everything right. His church in East Dallas wasn’t large, but it was active, growing, and stretched thin like most ...

Topics: Church Insurance, Church Podcast

" \n Key Takeaways \n \n \n Collecting Fees Can Void Your Coverage: Many low-cost policies classify facility rentals as unrelated business income ...

Topics: Church Insurance, event insurance, exclusions

Pastor Robert had always been proud of his church in Waco. It had grown into a lively gathering place for worship, events, and community outreach. It ...

Topics: Church Insurance, Church Podcast

" \n Key Takeaways \n \n \n Texans must select an ACA Marketplace plan by December 15 to have health insurance coverage effective January 1, and ...

Topics: health insurance, ACA, ACA Alternatives, open enrollment

" \n What is a roof sublimit? \n \n A roof sublimit is a specific Texas Church Insurance policy provision that caps the total amount an insurance ...

Topics: hail, Church Insurance, sublimit

A small, energetic church in Lubbock found itself facing a problem that felt bigger than its budget. Tim, the elder responsible for finances, knew ...

Topics: Church Insurance, Church Podcast

" \n What is a managed repair program? \n \n Managed Repair Program: An Texas Church Insurance policy provision or supplemental program where the ...

Topics: claim settlement, Church Insurance, contractor

" \n Key Takeaways \n \n \n Texas small business owners are tired of “mystery box” health insurance renewals. Premiums, networks, and out of pocket ...

Topics: health insurance, group health, small business

" \n What is a managed repair program? \n \n Managed Repair Program: An insurance industry reaction to the rising costs of weather related claims for ...

Topics: claim settlement, property, Church Insurance

Pastor Greg stood in the empty sanctuary the week before Thanksgiving, taking in the quiet before the holiday rush. The last few months had been ...

Topics: Church Insurance, Church Podcast

The little church outside Waco had never given much thought to insurance. They were tucked safely outside of town, proud of how well they maintained ...

Topics: Church Insurance, Church Podcast

Pastor Mark’s church in Lubbock was buzzing with excitement. Their annual youth weekend was coming up. It was the highlight of the year that brought ...

Topics: Church Insurance, Church Podcast

" \n \n Key Takeaways \n \n Private PPO health plans are returning to Texas, giving families the freedom to see any doctor or hospital they choose — ...

Topics: ACA Alternatives, private health insurance, PPO

" Key Takeaways \n \n Texans who no longer qualify for enhanced ACA subsidies are facing sharp premium increases, limited HMO networks, and shrinking ...

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

Tim’s small church in Lubbock had just lost a key employee and the reason hit hard. As the elder overseeing finances, Tim felt a deep responsibility ...

Topics: health insurance, Church Insurance, Church Podcast

When Pastor Allen saw the dark Texas clouds rolling toward Waco, he knew the storm was serious. The sirens wailed, the winds roared, and within ...

Topics: Church Insurance, Church Podcast

" \n Key Takeaways \n \n ACA Marketplace plans in Texas are still limited to HMO networks, which restrict access to major hospitals and specialists ...

Topics: health insurance, ACA Alternatives, PPO

" \n What is abuse and molestation insurance? \n \n Sexual Abuse and Molestation Coverage: A specialized component of a Texas Church Insurance policy ...

Topics: liability, Church Insurance, abuse & molestation

Earlier this year, our Texas church insurance agency spotted something strange. While researching new topics for church insurance content, a quick ...

Topics: Church Insurance, Church Podcast

As a minister in a small Texas town, Pastor Rick wore numerous hats. His responsibilities included everything from changing light bulbs to working ...

Topics: Church Insurance, Church Podcast

It started with the sound of hail hitting the roof. Pastor David’s church outside of Amarillo had weathered countless storms before, but this one was ...

Topics: Church Insurance, Church Podcast

" \n Key Takeaways \n \n ACA premiums are climbing while subsidies are disappearing \n Early 2026 window shopping data shows that ACA plan premiums ...

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

When Pastor Mark walked into his small church office in Abilene one Thursday morning, he wasn’t thinking about insurance. He was thinking about ...

Topics: Church Insurance, Church Podcast

" Key Takeaways \n \n Level-funded health plans give Texas churches more control, transparency, and the potential for premium refunds when claims are ...

Topics: health insurance, Church Insurance, level-funded health plans, fully-funded

" \n Key Takeaways \n \n \n The “Weather Tax” is driving premiums up across Texas. Even churches without recent claims are paying more because ...

Topics: hail, property, Church Insurance

" \n Key Takeaways \n \n \n \n \n The Problem is Outgrowth, Not Just Price: Most Texas church insurance policies are built for yesterday and no ...

Topics: Insurance Policy, Church Insurance, The Promise Of Certainty

Topics: ACA Alternatives, private health insurance, direct primary care, open enrollment

" \n Key Takeaways \n \n \n Traditional group health plans create a financially crippling dilemma for small Texas daycare owners, forcing a choice ...

Topics: health insurance, employer health insurance, True Texas Education Insurance

" Key Takeaways \n \n High-deductible health plans expose pastors and small church staff to financial landmines, like the $8,100 deductible that can ...

Topics: health insurance, catastrophic health coverage, Church Insurance

" \n Key Takeaways \n \n A Policy is Only as Good as the Claim: The true measure of any insurance program is its Claims Payment Track Record. You ...

Topics: liability, property, Church Insurance, total cost of risk

" \n Key Takeaways \n \n \n Reality always wins. Texas churches must recognize that storms, lawsuits, and unexpected events will happen—and good ...

Topics: property, Church Insurance, The Promise Of Certainty

" \n Key Takeaways \n \n \n ACA subsidies that kept premiums lower for Texans are ending, and future funding is tied up in the government shutdown \n ...

Topics: ACA, group health, employer health insurance

" Key Takeaways \n \n An Audit Is Standard, Not A Punishment \n Accurate Records Make The Process Easier \n Premiums Can Go Up Or Down \n Cooperation ...

Topics: True Texas Education Insurance, daycares, premium audits

" \n Key Takeaways \n \n \n What Life Insurance Can Actually Do For Your Daycare \n What Happens Without A Plan \n Building A Plan That Works \n \n ...

Topics: life insurance, True Texas Education Insurance, key man life insurance

" \n Key Takeaways \n \n The insurance company provides the lawyer for you \n The lawyer already understands how churches operate \n You don’t have ...

Topics: liability, law firm, Church Insurance

" \n Key Takeaways \n \n \n Understanding General Liability Insurance \n The Purpose And Coverage Provided By General Liability Insurance \n Risks ...

Topics: General Liability, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Your Premiums Can Shrink With Enrollment If You Take Action \n Coverage Gaps Become More Dangerous \n Loss History and ...

Topics: True Texas Education Insurance, daycares, renewals

Sarah had just bought her dream home in Waco. It wasn't a "fixer upper", but she loved it. Everything felt fresh and new. The paint was crisp, the ...

Topics: discounts, water, TRUE Texas Home Insurance

" Key Takeaways \n \n Duty To Defend vs Duty To Reimburse \n Defense Costs: Inside or Outside Policy Coverage Limits \n Two More Details Every ...

Topics: claim, liability, True Texas Education Insurance, daycares

Earlier this week, I was talking with my friend Brian Kurtz. He made a statement that stuck with me. He said, “There is a fine line between knowledge ...

Topics: independent insurance agent, gaps in coverage, TRUE Texas Home Insurance

Tim has always been proud of his after school program in Austin. For years, he and his staff have provided a safe and fun environment for kids whose ...

Topics: liability, True Texas Education Insurance, after-school programs

" Key Takeaways \n \n The Myth of Full Coverage for Liability \n When \"Cheap\" Sounds Like Good Stewardship \n Storm Coverage That Really Isn't ...

Topics: liability, property, Church Insurance, The Promise Of Certainty

" \n Key Takeaways \n \n \n Duty To Defend vs Duty To Reimburse \n Defense Costs Are Not Handled The Same Inside All Policies \n Two Different Keys ...

Topics: professional liability, liability, Church Insurance

" \n Key Takeaways \n \n \n \n Are you Showing Me Any Level-Funded, Catastrophic, Self-Funded or Private Health Plans? \n Can We Build A Plan That ...

Topics: group health, employer health insurance, daycares

" \n Key Takeaways \n \n The Insurance Provider Brings The Lawyer For You \n The Lawyer Already Knows The Daycare Playbook \n You Don't Have To Pay ...

Topics: liability, True Texas Education Insurance, daycares

If you’ve ever owned a small business, you know what it feels like to watch expenses go up while if feels like the value is going down. Phil knows ...

Topics: employer group policy, employer health insurance, level-funded health plans

" \n Key Takeaways \n \n \n The Real Employee Experience With An ICHRA \n Why A Group Health Plan Still Wins \n Costs To Employer vs Value To ...

Topics: ACA, group health, employer health insurance

Chris sat at his desk one evening after finishing another long day of service calls in Lubbock. His crew had put in the hours, climbing in and out of ...

Topics: group health, employer health insurance, health savings account

When Emily bought her first home in Frisco, she was excited. It was a brand-new build with a fresh yard, clean paint, and that wonderful smell of a ...

Topics: claim settlement, new home, TRUE Texas Home Insurance

It is hard to believe that we are two-thirds done with 2025. Texas businesses have been navigating challenging waters this year, and we want to make ...

Topics: catastrophic health coverage, group health, employer health insurance, open enrollment

" \n Key Takeaways \n \n \n Why State Compliance And Insurance Inspections Are Different \n What Inspectors Look For \n The Consequences Of Each ...

Topics: True Texas Education Insurance, daycares, inspections

" \n Key Takeaways \n \n \n Why Daycare Inspections Matter \n Five Common Deficiencies That Can Be Fixed Quickly \n How Deficiencies Affect Insurance ...

Topics: True Texas Education Insurance, daycares, inspections

When Ben, a small business owner in Fort Worth, sat down with his health insurance packet last fall, he thought he was making the safe choice. He ...

Topics: health insurance, ACA

Starting and running a construction business in Texas has been a challenge the last few years. Everyone sees the people moving in and the homes and ...

Topics: liability, commercial texas insurance, commercial auto insurance

" \n Key Takeaways \n \n \n The Old Policy Is Just Wrong \n Not All Insurance Carriers Off The Same Options \n Your Policy Doesn't Address The Total ...

Topics: Insurance Policy, insurance review, Church Insurance

" \n Key Takeaways \n \n \n Overlooking Important Coverage \n Misunderstanding Claims Made Policies \n Inadequate Risk Assessment \n \n If you want a ...

Topics: True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n You May Miss Out On Better Coverage \n You Lose Negotiating Power \n It Puts The Agent's Interest Ahead Of Yours \n \n If ...

Topics: independent insurance agency, Church Insurance

" \n Key Takeaways \n \n \n Abuse and Molestation Coverage Isn't Always Included \n Your Roof Likely Isn't Covered The Way You Think After A Hail ...

Topics: liability, property, True Texas Education Insurance, daycares

After a tornado destroyed Pastor Rick's small church, he was able to remain calm because he had the right insurance policy. As the person responsible ...

Topics: Church Insurance

" \n Key Takeaways \n \n \n Significant Savings On Premiums \n More Control Over Healthcare Choices \n Lower Financial Risk Than You Might Expect \n ...

Topics: health insurance, catastrophic health coverage, Church Insurance

" \n Key Takeaways \n \n \n Current Risk \n Future Vision \n Mission-Critical Assets \n \n If you want to skip to the FAQs, they are at the bottom of ...

Topics: gaps in coverage, Church Insurance, The Promise Of Certainty

" \n Key Takeaways \n \n Inspections are Standard For New Policies \n They're Looking For Risk Factors \n The Report Can Change Your Coverage \n What ...

Topics: liability, property, daycares, inspections

Barry walked away from his corporate IT job with benefits almost a decade ago. It was a big gamble, but he had to see if he could make something for ...

Topics: business income coverage, disability insurance, basics of business insurance

" \n Key Takeaways \n \n \n You Might Have A Limited Roof Policy \n The Policy Might Be Missing Other Key Coverages \n The Agent May Not Understand ...

Topics: liability, property, daycares

" \n Key Takeaways \n \n \n Local Knowledge Protects What Matters \n Real Conversations Are Better Than Call Center Scripts \n The Spirit Of ...

Topics: Texas, Church Insurance

" Key Takeaways \n \n We Ask Because It Matters \n What We Are Really Looking For \n You Should Expect This From A Good Agent \n \n If that isn't ...

Topics: liability, property, Church Insurance

" \n Key Takeaways \n \n \n Certainty Brings Peace \n You Have To Act Before Tragedy \n Confidence Comes From Knowing \n \n \n \n \n You can find ...

Topics: Church Insurance, tornado insurance, The Promise Of Certainty

While the kids are trying to milk the last days of summer for everything they can get, the teachers are already back preparing for that first day of ...

Topics: health insurance, teacher, group health

" \n Key Takeaways \n \n \n Level-Funded Plans Can Offer Big Savings \n High Deductible Health Plans And HSAs Can Keep Premiums Low \n Pairing ...

Topics: catastrophic health coverage, group health, daycares, level-funded health plans, health savings account

" \n Key Takeaways \n \n \n Your Church’s Insurance Likely Does Not Cover A Tenant \n You Must Be Named as an Additional Insured \n Require That the ...

Topics: Church Insurance, daycares, tenant

Travis runs a logistics company that keeps wheels turning. His Ft Worth team moves equipment, supplies, and materials across the state every day. ...

Topics: cyber insurance, cyber crime, exclusions

Sarah was ready to be back in the classroom this fall, teaching middle school science in Amarillo. The rhythm of school years feels familiar, but ...

Topics: health insurance, catastrophic health coverage, teacher, private health insurance

Steve has lived in Tyler all his life. He’s been in his current home for six years now and, like many Texans, he's no stranger to hail storms. Every ...

Topics: replacement cost, deductible, hail, roofing schedule, TRUE Texas Home Insurance

I've started to compose my thoughts on catastrophic flooding events in The Hill Country multiple times. It never feels quite right. As a parent of a ...

Topics: flood insurance, TRUE Texas Home Insurance, Flash Floods

Mary never in a million years thought this could happen to her. She has lived in McKinney for many years. Proud grandmother. After raising two kids ...

Topics: auto insurance, claim, teen drivers

Landry was working in his busy San Antonio computer repair shop just like any other day. He was juggling a dozen different repairs and backups when ...

Topics: third party insurance, cyber insurance, business interruption

Wanda didn’t think she’d end up here. Four months ago, she got laid off from her job in Lubbock. She figured she'd find something else quick and get ...

Topics: health insurance, ACA, ACA Alternatives, open enrollment

Marc runs a growing dental practice just outside downtown Dallas. Great team, solid reputation, steady flow of patients. On paper, things are going ...

Topics: Dental Insurance, cyber insurance, data theft

Ben had been living in his Waco home for five years. It wasn’t fancy, but it was solid. A good roof. Decent yard. Great location in a safe ...

Topics: deductible, roofing schedule, TRUE Texas Home Insurance, coverage reduction

A few weeks ago, I got a call from a business owner I know well. Lisa runs a small design studio in Austin. Honest work, loyal clients, never late on ...

Topics: cyber insurance, cyber crime, data theft, small business

" Key Takeaways \n \n Cheap insurance isn’t good insurance. The wrong policy may save money up front but can cost thousands when claims are denied ...

Topics: liability, property, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n What’s listed is what’s covered. Every building and structure on your church property must be individually named and ...

Topics: hail, personal property, property, Church Insurance

Trey thought he had time. It was mid-December last year and like most folks juggling holiday plans and year-end stress, health insurance didn’t ...

Topics: health insurance, ACA, open enrollment

The day was like any other Monday. I headed out the door in the pre-sunrise moments to get a hike in and clear my head for the day ahead. My wife and ...

Topics: business coverage, TRUE Texas Home Insurance, total cost of risk

Mary is a single mom living in Waco. Like so many parents right now, she is watching every penny that leaves her bank account. Groceries have gone ...

Topics: mortgage payment, replacement cost, hail, TRUE Texas Home Insurance

" \n Key Takeaways \n \n \n Employee complaints can turn into lawsuits fast. Even one misunderstanding with a staff member can spiral into a legal ...

Topics: employment liability insurance, True Texas Education Insurance, daycares

Susan didn’t panic when she got the call. A staff member at her Fort Worth private school told her that hail had torn through the roof over the gym ...

Topics: hail, property, True Texas Education Insurance, private schools

" \n Key Takeaways \n \n Document everything The morning after a big hail storm is about building your proof. Photos, videos, notes, interior water ...

Topics: hail, property, Church Insurance

" \n What is insurable interest? \n \n Insurable interest is a fundamental insurance principle stating that an entity can only insure a property if ...

Topics: personal property, property, Church Insurance, parsonage

Lisa called our office recently as she was looking into securing health insurance through a business health insurance plan. She was frustrated by the ...

Topics: health insurance, group health, employer health insurance

Todd was the kind of guy you could count on. He was the first to show up, the last to leave, and never backed away from hard work. He built a ...

Topics: life insurance, basics of business insurance, key man life insurance, small business

" \n Key Takeaways \n \n \n Multiple agents quoting the same church can quietly shrink your options. Once a carrier receives a submission, that ...

Topics: liability, Insurance Policy, property, Church Insurance

Jessica is a daycare owner in Texas. She recently faced a tough decision when one of her teachers was bitten by a two-year-old. Normally, these ...

Topics: daycares

" \n Key Takeaways \n \n \n Cheaper insurance isn’t smarter insurance. Chasing the lowest quote year after year can leave your daycare underinsured ...

Topics: True Texas Education Insurance, daycares

" \n Key Takeaways \n \n Once a Church Lets Coverage Lapse, Getting Insurance Again Becomes Much Harder Carriers see gaps in coverage as a serious ...

Topics: liability, gaps in coverage, property, Church Insurance

Lisa, a committed daycare owner in North Austin, found herself overwhelmed by the confusing language in her insurance policy renewal. Unsure whether ...

Topics: daycares

Jim is buying his first home on the west side of Fort Worth. He’s excited, a little nervous, and trying to get everything in order before closing ...

Topics: deductible, hail, TRUE Texas Home Insurance

" \n Key Takeaways \n \n \n Your income can stop overnight but your bills won’t. If you’re unable to work due to injury or illness, disability ...

Topics: disability insurance, True Texas Education Insurance, daycares

Running a childcare business in Texas presents a number of challenges, and one of the biggest is securing the right insurance coverage. If you ...

Topics: daycares

Jason owns a small construction company in Texas that has a dozen employees who work hard every day. They climb ladders, pour concrete, and finish ...

Topics: health insurance, group health, employer health insurance

" \n What is a surety bond? \n \n Surety Bond (Church Treasurer): A legally binding three-party agreement that acts as a financial guarantee to ...

Topics: D&O, Church Insurance, bonds

" \n Key Takeaways \n \n \n Big Texas storms expose weak insurance policies. Hail, wind, and severe weather are striking more often and the gaps in ...

Topics: hail, property, True Texas Education Insurance, daycares

Running a childcare business in Texas has become increasingly challenging due to a volatile insurance market, with many providers receiving sudden ...

Topics: daycares

When Steve started his computer repair business a few years ago, he only had a used workbench, some tools and blanketed social media with offers of ...

Topics: property, business personal property, True Texas Technology Insurance

When your church has been around for more than 100 years, it has seen a thing or two. This particular old, brick church building in Tyler had ...

Topics: texas weather, property, Church Insurance

Running in a computer repair shop is not always the most glamorous work, but it is something that Lisa loves. Lisa started as an employee and ...

Topics: General Liability, professional liability, True Texas Technology Insurance

When the massive hail storm rolled through North Austin into Round Rock a couple of years ago, Ashley's house got blasted. The noise on the roof was ...

Topics: texas weather, roofing schedule, TRUE Texas Home Insurance

The Spring hail season in North Texas has been somewhat quiet so far this year. We have not had as many big storms through March and April as we have ...

Topics: hail, TRUE Texas Home Insurance, sublimit

" \n Can a church use two different insurance companies for property insurance and liability insurance? \n Split Policy Strategy: An insurance ...

Topics: liability, property, Church Insurance

Tim was feeling good about how his computer repair business was growing. His shop in Lubbock had picked up a lot of steady work over the last year. ...

Topics: liability, True Texas Technology Insurance, Bailee's Coverage

" \n Who is \"the named insured\" on an insurance policy? \n \n Entity-Specific Named Insured: A critical insurance designation that ensures the ...

Topics: liability, property, Church Insurance, associations

Like most folks in North Texas, Jason knows hail season can be a mess. His neighbor across town had to replace a roof last year after a big storm, ...

Topics: replacement cost, hail, roofing schedule, TRUE Texas Home Insurance

Sarah was sipping her morning coffee when the alert popped up on her phone. A fire had broken out overnight in a strip mall just down the road from ...

Topics: property, business personal property, True Texas Technology Insurance

If you are anything like Mary, you have seen your home insurance rates climb like they are almost to the top of Kilimanjaro. Mary lives in a nice ...

Topics: replacement cost, hail, TRUE Texas Home Insurance

Sarah loves to make sure that everything runs smoothly at her private school in Amarillo. One part of how she accomplishes keeping things smooth and ...

Topics: group health, employer health insurance, True Texas Education Insurance, private schools

Steven was sitting at his desk in his office of an Austin private school. He was preparing for a budget meeting for the upcoming school year. As the ...

Topics: hail, True Texas Education Insurance, private schools

Ben had just finished repairing a stack of laptops for a local school district when he saw an email from his landlord. He figured it was about ...

Topics: General Liability, liability, True Texas Technology Insurance

Stu owns a small but busy computer shop in Austin. He’s been fixing laptops, restoring hard drives, and solving tech problems for local businesses ...

Topics: professional liability, liability, True Texas Technology Insurance

As we barrel towards the end of the school year, my own inbox has an email for the summer camps that will be taking place at my child's school in the ...

Topics: event insurance, private schools, day camp

Scott started his tech consulting company in Austin a few years ago with a friend. They were in search of charting their own course and wanted to ...

Topics: health insurance, group health, employer health insurance

" \n What is an insurance sub-limit? \n Stained Glass Sublimit: A specific cap or maximum dollar amount an insurance provider will pay for repairs or ...

Topics: property, Church Insurance, stained glass

" \n Key Takeaways \n \n Employee claims can happen even when you’ve done nothing wrong. Harassment, discrimination, and wrongful termination ...

Topics: employment liability insurance, epli, True Texas Education Insurance, daycares

" \n What is a non-admitted insurance carrier? \n \n Non-Admitted (Surplus Lines) Insurance: A specialized insurance market that provides coverage ...

Topics: property, Church Insurance

Starting a childcare center in Texas is an exciting opportunity to serve families and support early learning. What a rewarding task to enjoy each ...

Topics: liability, True Texas Education Insurance, daycares, licensing

" \n What is a minimum wind and hail deductible? \n \n A minimum wind and hail deductible is the lowest out-of-pocket amount a Texas church insurance ...

Topics: deductible, Church Insurance, Risk Purchasing Group

" \n Key Takeaways \n \n \n \n Functional Replacement Cost Saves Money but Changes How a Church Is Rebuilt Unlike traditional replacement cost, ...

Topics: replacement cost, property, Church Insurance, Risk Purchasing Group

" \n Key Takeaways \n \n \n \n A Risk Purchasing Group (RPG) lets churches combine their buying power to access stronger coverage and better property ...

Topics: property, Church Insurance, Risk Purchasing Group

" \n What is a risk purchasing group? \n \n Risk Purchasing Group: A solution for churches that are formed to cover catastrophic property losses. ...

Topics: hail, property, Church Insurance, Risk Purchasing Group

" \n Key Takeaways \n \n \n Sublimits Can Dramatically Reduce Your Church’s Claim Payout Many Texas churches assume their full property coverage ...

Topics: limits of coverage, liability, property, Church Insurance

" \n Key Takeaways \n \n \n Price alone doesn’t protect your daycare. Chasing the cheapest insurance policy can leave you exposed to hidden ...

Topics: liability, property, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Loss run reports are essential when shopping for new daycare insurance. Insurance companies require these reports to ...

Topics: True Texas Education Insurance, daycares, Loss Runs

" \n Key Takeaways \n \n \n Full-Time Equivalents (FTEs) decide what health plans your daycare qualifies for. Even if your daycare has fewer than 50 ...

Topics: health insurance, group health, daycares, small business

" \n Key Takeaways \n \n \n Loss runs are the report card your next insurance company uses to decide if they even want to quote your church. They ...

Topics: claim, Church Insurance, Loss Runs

Texas weather can be wild! It seems like we move from the dead of winter to the "Spring Hail" Season almost instantly. It is incredible how quickly ...

Topics: business coverage, hail, property, business interruption

" \n Key Takeaways \n \n \n Your wind and hail deductible can quietly become a church sized expense A percentage deductible is not based on the size ...

Topics: windstorms, hail, Church Insurance

Beth had had enough last fall. Her homeowners policy premiums just became too much. She had to find something cheaper. She found an insurance agent ...

Topics: replacement cost, deductible, hail, claim, TRUE Texas Home Insurance

Emma and Lisa run a Montessori school in Fort Worth. Their teachers work hard every day, and they want to offer them health insurance as a benefit. ...

Topics: health insurance, group health, Montessori schools

Scott has a knot in his stomach. He has been looking at his daycare's finances and the trend isn't good. While most people talk about the booming ...

Topics: cobra, group health, employer health insurance

When you run a law office, the last thing you want to worry about is insurance. It is not a topic that just pops to the top of your mind. We were ...

Topics: business coverage, Commercial Insurance, basics of business insurance, non-renewal

" \n Key Takeaways \n \n \n \n \n Church-run daycares and preschools face real legal exposure. Even non-profit or volunteer-led boards can be sued ...

Topics: liability, D&O, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Churches Should Cover the Cost of D&O Insurance to Protect Their Leaders \n Requiring Leaders to Pay for Their Own ...

Topics: liability, D&O, Church Insurance

Jill loves her job and the team of teachers and staff who make her Montessori School in Austin one of the best options for young kiddos. But as her ...

Topics: Austin, group health, employer health insurance, Montessori schools

" \n Key Takeaways \n \n \n Your church’s insurance might not cover weekday daycare operations. Many churches assume their general liability policy ...

Topics: Church Insurance, daycares

Phil owns a small consulting firm in Fort Worth. Business is and his team is growing. He’s proud of the work they do and knows his employees are the ...

Topics: health insurance, employer group policy, small business

" \n Key Takeaways \n \n \n \n Coverage limits can leave your daycare exposed even if you have insurance. Many Texas daycare owners assume their ...

Topics: limits of coverage, liability, property, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n \n Chasing lower premiums can cost more in the long run. Constantly switching daycare insurance to save a few dollars can ...

Topics: liability, property, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Storm damage doesn’t just hit buildings. It hits cash flow. Even if your daycare’s property repairs are covered, lost ...

Topics: business interruption, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Playgrounds and outdoor equipment may not be covered automatically. Many daycare insurance policies exclude playgrounds, ...

Topics: hail, True Texas Education Insurance, daycares

" \n Key Takeaways \n \n \n Supplemental health insurance helps churches care for their staff without straining the budget. Even when traditional ...

Topics: health insurance, supplemental health plans, Church Insurance

David loves his house in Dallas. It just ticked over being 100 years old. He’s proud to own a piece of history since so many Dallas homes have been ...

Topics: replacement cost, Home Insurance Tips, TRUE Texas Home Insurance

" \n Key Takeaways \n \n A Comprehensive Security Plan Saves Lives and Prevents Chaos Having a detailed, practiced plan for potential threats helps ...

Topics: liability, Church Insurance, violent response

Elizabeth had always believed in the power of Montessori education. When she opened her private school in Austin, she was excited to offer students a ...

Topics: professional liability, True Texas Education Insurance, Montessori schools