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

Beth has always been careful with her Amarillo daycare center. She started small years ago, with just five kids in her living room. Over the years, ...

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

Last spring, a church in Amarillo found out the hard way that their property insurance was not as strong as they thought. After a violent hailstorm ...

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

Lisa has run a daycare in San Antonio for more than ten years. She’s seen it all. Kids with glue in their hair. Parents who forget pick-up times. ...

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

Every year when Lisa daycare’s insurance came up for renewal, she’d reach out to a few agents around dtown. She’d have them collect a handful of ...

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

Fran has owned a daycare in Fort Worth for 15 years. She started with just a few kids in her home and built it into a trusted center for families in ...

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

Spring hailstorms roll through Denton fast and hard on a regular basis. Residents are relieved when they are over and there is no sign of a tornado. ...

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

Philip has always tried to treat his daycare staff fairly and run a professional place. He understands that Austin is a highly competitive employment ...

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

Insurance is expensive. And it is getting more expensive every month it seems. When Dave called our office, he started by asking more questions than ...

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

In the last five years, the US economy has tumbled back and forth. With daycares being a backbone of local communities, they have felt all aspects of ...

Topics: True Texas Education Insurance, daycares, Loss Runs

One of Sarah's goals in 2025 for her daycare business is to provide her team with an option for health insurance coverage. She knows that many of her ...

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

Churches all across Texas either have started daycares and preschools recently, or are contemplating it. A Church in Amarillo that has been serving ...

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

More and more churches are trying to find ways to put their physical space to work during the week to increase their interactions with the community ...

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

Alfred has owned a daycare in San Antonio for years, and he always felt confident that his insurance would protect him if something went wrong. That ...

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

Like many other business owners, David was very diligent in watching his daycare's expenses. He was always trying to find new ways to lower his ...

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

Shelly's daycare was hit by a powerful supercell thunderstorm last spring as a dry line raced across the High Plains into Lubbock. That one powerful ...

Topics: business interruption, True Texas Education Insurance, daycares

Melissa owns a daycare in Fort Worth, and every spring she watches the weather closely just like every other Texan. You don't have to be a native to ...

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

Yolanda runs a busy daycare in San Antonio and loves interacting with all of "her" kids. To help her manage the business side easier, she uses a ...

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

Stacy runs a daycare in San Antonio, and her kids absolutely love her. One of the most popular services her daycare offers is picking kids up from ...

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

Lisa runs a daycare in Fort Worth, and one of the kids’ favorite things to do is play on the outdoor playground. With swings, slides, and climbing ...

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

Some time during 2024, you likely received an email or letter from a business notifying you that your personal data had been compromised. If you did ...

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

Jessica had one of her teachers get bitten last week while working with two year olds. These types of incidents usually don't turn into much, but ...

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

Like many Texans, Jerome is comparing health insurance plans during this open enrollment season. As he is looking for coverage for his family of ...

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

Cassandra owns a daycare facility in Waco, where she’s created a warm, safe space for children in the community. Running a daycare means having a ...

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

Daycares across Texas are facing a challenging environment with rising insurance costs and the prospect of non-renewals from insurers. If your ...

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

Lisa is a dedicated owner of a local daycare center in North Austin who found herself navigating through the complex world of insurance jargon while ...

Topics: gaps in coverage, property, True Texas Education Insurance, daycares

Everywhere you turn, daycare administrators are faced with mounting challenges, particularly with the issue of rising business insurance costs. It is ...

Topics: General Liability, liability, daycares, abuse & molestation

John has been running a small landscaping business in Texas for the past four years. As his business grew, so did the number of employees, and John ...

Topics: health insurance, supplemental health plans, group health, employer health insurance

Amelia is a devoted school director in Dallas, Texas. She faces a critical hurdle at the Montessori school she manages. Like many Texas Montessori ...

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

A small but vibrant church in Lubbock was grappling with a significant challenge. Tim, the elder in charge of finances, was determined to find a way ...

Topics: employer group policy, catastrophic health coverage, ACA Alternatives, group health, Church Insurance

Catastrophic health insurance often gets a bad rap due to common misunderstandings about how it works and what it covers. These plans are designed to ...

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

When Jim’s church in Lubbock failed their recent insurance inspection, it was a shock. They had put in the effort to secure a new church insurance ...

Topics: property, Church Insurance, inspections

The good news was that Jim’s church in Lubbock had finally secured a new insurance policy after weeks of searching after they received their ...

Topics: property, Church Insurance, inspections

Sheila had just helped her church in Abilene secure a new insurance policy, feeling a sense of relief that their congregation was covered after their ...

Topics: property, Church Insurance, inspections

Ted sat at the table with the finance committee of his church trying to understand how their insurance premium tripled in the last year. They know ...

Topics: claim, General Liability, professional liability, employment liability insurance, property, Church Insurance

Running a childcare business in Texas comes with a unique set of challenges, and securing the right insurance coverage is one of them. If you find ...

Topics: business coverage, basics of business insurance, non-renewal, daycares

Texans are a proud lot by nature. We love to tell people about it too. This pride can also be a problem if we are not careful. There are times when ...

Topics: Church Insurance, non-renewal

Churches all over Texas have been going through the process of being non-renewed by an insurance company that we won't name. But you likely know who ...

Topics: Church Insurance, non-renewal

Steve sat at his dining table in Amarillo, thinking over the changes in his family over the past year. His oldest son had just turned 26, meaning ...

Topics: health insurance, ACA, Short Term Medical, catastrophic health coverage, ACA Alternatives, direct primary care

Shelly sat at her Austin kitchen table, staring at the email showing her renewal notice for her ACA marketplace plan. The year had flown by, and now ...

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

Peter sat at his kitchen table in Tyler staring at his laptop screen. He had heard people talk about the Affordable Care Act (ACA), but now that he ...

Topics: health insurance, ACA, Short Term Medical, catastrophic health coverage, ACA Alternatives

Being a business owner in Texas sometimes feels like Running With the Bulls in Pamplona. It has moments where it is an incredible rush. And then ...

Topics: liability, property, daycares

Ben was determined to find the best insurance coverage for his congregation in Amarillo. With the church’s budget tighter than ever and the need for ...

Topics: liability, property, Church Insurance

Terri had always prided herself on being responsible when it came to her Austin home. As she started shopping for new home insurance this month, she ...

Topics: home insurance, claim settlement, deductible, claim, TRUE Texas Home Insurance

Running a daycare in Texas is about more than just offering a safe space for children to learn and play. It is about creating a stable business in ...

Topics: professional liability, liability, daycares

Sonya's church in Fort Worth is busy planning the upcoming Trunk or Treat event for this fall. With school starting back up, she’s able to get ...

Topics: liability, Church Insurance, event insurance

When it comes to protecting your church, having the right insurance coverage is non-negotiable. But what happens when the person guiding you through ...

Topics: liability, employment liability insurance, property, workers comp, Church Insurance

Stephen was deeply concerned. A neighboring church in San Antonio had recently hosted a community event with bounce houses for the kids, and ...

Topics: General Liability, liability, umbrella policy, Church Insurance

Heath opened a landscaping business in Waco about fifteen months ago. It has started far better than he anticipated, but being in business for more ...

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

If you are a church in the state of Texas, there is a very good chance that you are currently looking for new insurance coverage right now. Lucy ...

Topics: General Liability, liability, property, Church Insurance

We have had many Texas Teachers contacting our office over the last two weeks. All of these phone calls relate to finding and alternative to the TRS ...

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

The current economy is tough on everyone. Especially business owners. But one thing Robert did not account for when looking at his annual business ...

Topics: Commercial Insurance, non-renewal, True Texas Education Insurance, daycares

The wrong time to discover that you do not have insurance coverage for something is after it has already happened. Unfortunately for many Texas ...

Topics: professional liability, liability, employment liability insurance, Austin, D&O, Church Insurance

Navigating the complex landscape of health insurance in Texas can feel like an overwhelming task. Around every corner there are seemingly endless ...

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

When looking at the options for individual health insurance in Texas, people become frustrated very quickly. They take a look at the ACA Exchange ...

Topics: health insurance, Short Term Medical, catastrophic health coverage, ACA Alternatives

Mary had been talking to other daycare center owners in the Central Texas area. They were all venting about what was happening to their business ...

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

Tim's small church had just lost a key employee. They were feeling devastated about it. With Tim being the Elder in charge of the finances, he felt ...

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

A church secretary named Mary emailed our office this morning. She indicated to us that her church had been without insurance since January when ...

Topics: liability, insurance mistakes, property, Church Insurance

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 ...

Topics: life insurance, term life insurance, whole life insurance, universal life, umbrella policy, Church Insurance, key man life insurance

Ted, like most Texas homeowners, has been feeling increasingly anxious about the rising costs of home insurance. Everyone around him is complaining ...

Topics: auto insurance, home insurance, deductible, discounts, homeowners insurance, TRUE Texas Home Insurance

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 ...

Topics: health insurance, group health, employer health insurance, Church Insurance

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 ...

Topics: commercial property values, liability, property, Church Insurance

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 ...

Topics: General Liability, liability, Church Insurance

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 ...

Topics: Commercial Insurance, property, Church Insurance

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 ...

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

For the last 18 months, churches and religious organizations around the state of Texas have received non-renewal notices for their church insurance ...

Topics: General Liability, property, Church Insurance, non-renewal

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. ...

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

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 ...

Topics: General Liability, professional liability, liability, employment liability insurance, workers comp, True Texas Education Insurance, daycares

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. ...

Topics: General Liability, professional liability, liability, True Texas Education Insurance, daycares

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 ...

Topics: home insurance, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance

When cybersecurity comes to mind, many people think of foreign hackers trying to breach large corporations' networks. Everyone remembers the Russian ...

Topics: cyber insurance, cyber crime, invoice manipulation, data theft

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. ...

Topics: windstorms, deductible, hail, property, business personal property, Church Insurance

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, ...

Topics: deductible, Home Insurance Tips, gaps in coverage, TRUE Texas Home Insurance, basics of home insurance