" \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

We have all been there. The massive dark cloud appears in the west and is moving quickly towards town. You can feel the knot in your stomach as the ...

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

In churches all across Texas, Sundays are inspirational and enjoyed without much thought of risk management strategies from church members. That is ...

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

Mark had been serving his congregation in Abilene for nearly a decade. His sermons were heartfelt, his people trusted him, and the church had become ...

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

As Bob walked the church grounds early this morning in Ft Worth, he could already see it was going to be a long day. The hailstorms that had rolled ...

Topics: hail, property, Church Insurance

When the church leaders at a small church in Abilene sat down to review their insurance coverage before their upcoming renewal, they had one big ...

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

Every year when the property insurance for Grace Fellowship came up for renewal, the church’s administrator would call around to a few agents. They’d ...

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

For over a hundred years, a small church in Abilene had stood strong through storms, droughts, and everything in between. The building was old but ...

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

Two pastors were having coffee one afternoon when the subject of church finances came up. The Baptist and Methodist pastors were comparing notes as ...

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

A local church in Abilene recently reached out to us with a fairly big challenge. Their beautiful building was old, and that made it hard to find a ...

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

The local Baptist Association had a pretty good setup. The central office allowed them to handle the business meetings of their local churches. It ...

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

If you have traveled around Texas, you have likely seen some amazing architecture. We have amazing buildings, bridges, and other structures. But one ...

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

A church in Lubbock was considering joining a risk purchasing group for their church property insurance. They had seen their church insurance ...

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

A recent phone call came from a church in Fort Worth that had concerns about their property insurance coverage. They had large church buildings and ...

Topics: deductible, Church Insurance, Risk Purchasing Group

There are many churches in Texas that have been around for decades. Some of them are even more than a century old. These old church buildings are ...

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

All across Texas, church finance teams have a pain point. Property coverage premium costs have escalated to the point of no return. Renewal policy ...

Topics: property, Church Insurance, Risk Purchasing Group

Obtaining new, affordable property insurance for churches in Texas feels like the impossible these days. More and more churches are feeling the pinch ...

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

The finance team at a church in Waco had been through enough stress after their building was broken into. Thieves had taken expensive sound ...

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

Over the last eighteen months, many churches across Texas have received a non-renewal letter from their insurance provider. The property insurance ...

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

Kevin's church outside Austin had seen its fair share of storms over the years. Hail had battered the roof a few times, and strong winds had shaken ...

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

Shey sat in a meeting at her church in Fort Worth, staring at two empty leadership positions. As a trustee, she was in charge of finding new board ...

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

Churches are built on community and care of others in that community. They reach out to help those in need, guide people through life’s ups and ...

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

The Sunday service at your church in Austin is going as planned until a stranger walks in acting strangely. He is pacing near the back, muttering ...

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

Suzy owns a Montessori school in Tyler, and she loves what she does. Every day, she gets to watch children grow, explore, and learn in a hands-on ...

Topics: health insurance, employer health insurance, Montessori schools, self-funded, fully-funded

" \n Key Takeaways \n \n \n Cyberattacks can shut down daycare operations instantly. A single ransomware attack or data breach can lock your systems, ...

Topics: cyber insurance, cyber crime, True Texas Education Insurance, daycares

Art was driving the church van through Lubbock last spring getting ready for the annual youth weekend event when he was jarred by a collision. Once ...

Topics: commercial auto insurance, Church Insurance

Brenda is the headmaster of a private school in Fort Worth who has always believed she was prepared for any challenge. She works tirelessly to manage ...

Topics: liability, D&O, True Texas Education Insurance, private schools

Bill owns a small landscaping company in Midland. He works alongside his five employees, who help him take care of customers every day. His business ...

Topics: health insurance, group health, direct primary care, small business

The wildfires raging across Los Angeles right now feels far away. Unfortunately, the devastation will reach Texas and beyond. Many homeowners ...

Topics: TRUE Texas Home Insurance, True Texas Education Insurance, total cost of risk

" \n Key Takeaways \n \n \n Personal auto insurance doesn’t cover daycare vehicles. If your daycare owns or operates vans, buses, or cars for ...

Topics: auto insurance, commercial auto insurance, True Texas Education Insurance, daycares

Rebecca is a headmaster at a private school in Fort Worth who faced an unexpected problem last week. One of her teachers was injured while setting up ...

Topics: workmans compensation, workers comp, True Texas Education Insurance, private schools

Pastor Mark was helping his church in Lubbock prepare for their annual full weekend youth event. Traditionally they have had the kids do the ...

Topics: liability, Church Insurance, event insurance

" \n Key Takeaways \n \n \n Outdoor playgrounds are at high risk during Texas hail season. Playgrounds, fences, and shade canopies can be damaged or ...

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

The wildfires in Los Angeles are once again dominating the news. The devastating images of scorched landscapes, destroyed homes, and disrupted ...

Topics: home insurance, investment property, Commercial Insurance, property, reinsurance

Rebecca loved teaching at her private school in Fort Worth. She had dedicated years to honing her craft while building strong relationships with her ...

Topics: liability, employment liability insurance, True Texas Education Insurance, private schools

A quaint private school in Dallas had everything change one Friday afternoon. The accusation made against a staff member regarding inappropriate ...

Topics: True Texas Education Insurance, abuse & molestation, private schools

Suzanne loved teaching at her private school in Round Rock. Her students were excited to learn in her class, and parents often complimented her ...

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

Ramon is the director of a private school in Austin. His days are busy, filled with meetings, helping teachers, and planning events for students. But ...

Topics: General Liability, liability, private schools

Texans expect more out of life than most other Americans. We take great pride in who we are and where we live. One choice many parents make is to ...

Topics: General Liability, professional liability, liability, employment liability insurance, workers comp, True Texas Education Insurance, abuse & molestation, private schools

Private schools in Texas have a reputation for excellence—excellent curriculums, close-knit communities, and campuses designed to inspire learning ...

Topics: property, True Texas Education Insurance, private schools

" \n Key Takeaways \n \n \n Churches are prime cyber targets now. Hackers are focusing on smaller organizations like churches because they store ...

Topics: cyber insurance, cyber crime, Church Insurance

Much has been written and said about the problems with Texas church insurance during 2024. Insurance For Texans has spent much of the year detailing ...

Topics: limits of coverage, hail, liability, gaps in coverage, Church Insurance

Every time a small church gets hit with a 30% rate increase on their insurance premium, another congregation gets closer to closing their doors. For ...

Topics: hail, property, Church Insurance

Unless your church has been in hiding during 2024, you are well aware of the challenges that Texas churches have faced with their insurance coverage. ...

Topics: liability, cyber insurance, property, Church Insurance

" \n Key Takeaways \n \n \n Workers’ compensation isn’t required in Texas, but it’s still essential. Texas law doesn’t mandate workers’ comp for ...

Topics: liability, workers comp, True Texas Education Insurance, daycares

David got his most recent insurance renewal bill in the mail for his Austin private school. As the headmaster, he has kept tabs on the school's ...

Topics: liability, property, total cost of risk, private schools

The months of November and December are hectic if you deal in health insurance. It is the time of year that most employers are doing their annual ...

Topics: health insurance, ACA, open enrollment

Toni owns a Montessori school in Dallas. Her team of employees helps her bring creative ideas to life that help spur a love of learning and curiosity ...

Topics: health insurance, group health, employer health insurance, total cost of risk

Last year in Fort Worth, Trey was juggling work and family when open enrollment for health insurance came around. He figured he had plenty of time to ...

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

This past week was rough for my own church. Late in the week I received an email from our Senior Pastor that had a letter to inform the entire church ...

Topics: liability, employment liability insurance, D&O, Church Insurance, abuse & molestation

Private schools in Texas have a lot going for them—tailored curriculums, tight-knit communities, and campuses built to foster learning. The ...

Topics: property, True Texas Education Insurance, private schools

Sarah has been the head of a thriving Montessori school in Dallas for over a decade. She’s weathered everything from enrollment dips to staff ...

Topics: employment liability insurance, epli, Montessori schools

" Key Takeaways \n \n 1. Lower Premiums Can Free Up Room for Savings \n HSA-eligible high-deductible health plans often have lower monthly premiums ...

Topics: health insurance, ACA, health savings account

Marvin had spent years helping lead his Waco church, and he thought he had a good handle on its finances and operations. But when a hail storm tore ...

Topics: hail, property, Church Insurance, scam

Julie owns a thriving consulting business in Texas and values her tight-knit team. When one of her long-time employees, Sarah, announced she was ...

Topics: health insurance, employer group policy, group health, employer health insurance

Last spring, Ted, experienced one of the worst hailstorms he could remember at his Grapevine home. Baseball-sized hail pummeled his roof, left dents ...

Topics: hail, TRUE Texas Home Insurance, myths

A spring hailstorm swept through Lubbock last year, and Pastor Rick’s church was hit hard. The storm left their roof battered, windows cracked, and ...

Topics: hail, Theft, vandalism, water, property, Church Insurance

Operating a Montessori school in Texas can often feel like walking through a dense forest without a map or GPS. On some days, the journey is ...

Topics: property, True Texas Education Insurance, Montessori schools

For small churches like this one, every dollar counts. Between community outreach, building maintenance, and supporting their staff, church leaders ...

Topics: health insurance, Church Insurance, self-funded

Pastor Robert had always been proud of his church in Waco. The congregation had grown steadily over the years, becoming a hub for community events, ...

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

Sandra was at her wit’s end. She had spent hours scrolling through health insurance options, trying to figure out which one made sense for her ...

Topics: deductible, health insurance, ACA, total cost of risk

Lisa owns a small business in Houston, and she knew it was time to get health insurance for her family. But as she started looking at her options, ...

Topics: health insurance, ACA, ACA Alternatives, Obamacare

Is your church struggling with rising insurance costs? You're not alone! Churches across Texas are facing the same challenge, and some are even ...

Topics: Church Insurance

Pastor Steve loved his role at his Midland church, guiding his congregation through life’s ups and downs. One day, a member reached out for help, ...

Topics: hail, professional liability, property, Church Insurance, abuse & molestation

Bill has been a dedicated member of his Ft. Worth church for years. He is now part of the finance team and they are facing an enormous challenge. His ...

Topics: health insurance, catastrophic health coverage, supplemental health plans, group health, employer health insurance, Church Insurance

Topics: catastrophic health coverage, Church Insurance

Topics: Church Insurance

Sylvia has been a dedicated member of her church in Waco for years, but joining the finance committee has opened her eyes to the complexities of ...

Topics: liability, property, Church Insurance, insurance basics

Are you responsible for finding insurance for your church in Texas? It can be a daunting task! One important decision you'll face when you are ...

Topics: Church Insurance

Jim runs a busy print shop in Lubbock, where his team feels more like family than just employees. He knows that offering good health insurance is ...

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

Terry couldn't believe her eyes. As the church administrator, she knew their budget was tight, but the new insurance premium was alarming. It had ...

Topics: Church Insurance

Topics: replacement cost, actual cash value, Church Insurance

Topics: workers comp, Church Insurance

Mary has volunteered at her small church near Tyler for as long as she can remember. She’s been there through Sunday services, holiday events, and ...

Topics: professional liability, liability, D&O, Church Insurance

Steven owns an IT consulting firm in Austin, and his team has grown steadily over the past few years. With this growth he is now looking for a way to ...

Topics: employer insurance, group health, employer health insurance, self-funded

After a major hailstorm left his Frisco church with a damaged roof, Charles was frustrated to discover just how high the deductible was on the ...

Topics: deductible, hail, property, Church Insurance

Theresa owns a small business in Midland, and she knew it was time to find health insurance for her family. But as she browsed her ACA marketplace ...

Topics: ACA, HMO, open enrollment

" \n Key Takeaways \n \n \n Fully funded health plans provide cost stability for daycare owners. With fixed monthly premiums, daycare owners like ...

Topics: health insurance, group health, employer health insurance, daycares, fully-funded

Elaine has been leading a Montessori school in Austin for over a decade. In her time at the school, she has adeptly managed countless challenges, but ...

Topics: property, True Texas Education Insurance, Montessori schools

Running a Montessori school in Texas often feels like navigating a maze filled with unexpected twists and turns. There are moments of joy as you ...

Topics: property, True Texas Education Insurance, Montessori schools

Paul runs a growing call center business in Ft Worth, managing a team of 30 employees. As his business expanded, so did the need to offer a reliable ...

Topics: health insurance, group health, self-funded, level-funded health plans

" \n Key Takeaways \n \n Non-renewals are becoming more common for Texas daycares. Insurance companies are tightening their underwriting guidelines ...

Topics: property, non-renewal, daycares

Charles had spent the last several weeks working with a church insurance specialist trying to find coverage for his church in Frisco. He had done ...

Topics: property, Church Insurance, non-renewal

Even though hail season has been quiet this fall, Arnold knew that it will not last forever. Death, Taxes, and Hail Storms are inevitable no matter ...

Topics: replacement cost, actual cash value, hail, property, Church Insurance

Mary owns a small business in Austin that is still small enough that she does not have to provide a health insurance plan for her and her employee. ...

Topics: health insurance, ACA, ACA Alternatives, Obamacare, Austin

Fred is an elder at his church in Amarillo and was tasked with reviewing the insurance coverage for the church’s staff. He’d never dealt with ...

Topics: liability, Amarillo, workers comp, Church Insurance

Elizabeth sat down with a stack of documents in front of her, feeling completely overwhelmed. She had been tasked with finding insurance for her Fort ...

Topics: liability, property, Church Insurance, insurance basics

Ted had a problem. Leading his church in Abilene meant taking care of his small staff—dedicated people who helped run everything from Sunday services ...

Topics: health insurance, group health, Church Insurance, self-funded

Jim thought he was making a smart financial decision. After all, paying health insurance premiums each month seemed like a waste of money when he ...

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

Terry couldn't believe her eyes when the new insurance premium for her Waco church arrived. As the church’s administrator, she knew their budget was ...

Topics: limits of coverage, property, Church Insurance, non-renewal

Gail runs a small accounting firm in Tyler, Texas, with ten dedicated employees. She’s proud of the close-knit team she’s built and the way they take ...

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

Mike was feeling a bit overwhelmed as he began to think about all of the preventive tests that come with turning 50. He knew that he had to stay on ...

Topics: health insurance, ACA, Obamacare