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Insurance For Texans Blog

All the Insurance Topics a Texan Could Want

    Brad Hancock

    Brad Hancock
    Brad grew up in his dad's insurance agency and just couldn't stay away from the business. He has deep experience in the Texas commercial insurance market to help businesses solve problems and mitigatee risk

    Recent Posts

    Why Is My Daycare Insurance Company Sending Me An Audit Notice?

    Posted by Brad Hancock on Oct 1, 2025 3:04:50 PM
    " 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 ...
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    Topics: True Texas Education Insurance, daycares, premium audits

    Why General Liability Is More Than A Requirement For Texas Daycares

    Posted by Brad Hancock on Sep 25, 2025 3:07:44 PM
    " \n Key Takeaways \n \n \n Understanding General Liability Insurance \n The Purpose And Coverage Provided By General Liability Insurance \n Risks ...
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    Topics: General Liability, True Texas Education Insurance, daycares

    If My Daycare Enrollment Is Shrinking, Can I Save Money On Insurance?

    Posted by Brad Hancock on Sep 24, 2025 5:53:51 PM
    " \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 ...
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    Topics: True Texas Education Insurance, daycares, renewals

    Defense Costs: The Overlooked Protection Every Texas Daycare Needs

    Posted by Brad Hancock on Sep 19, 2025 3:02:14 PM
    " 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 ...
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    Topics: claim, liability, True Texas Education Insurance, daycares

    How Not To Make Your Texas Daycare's Lawyer Rich!

    Posted by Brad Hancock on Sep 9, 2025 3:11:00 PM
    " \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 ...
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    Topics: liability, True Texas Education Insurance, daycares

    Are Daycare Insurance Inspections Similar To State Compliance Checks?

    Posted by Brad Hancock on Aug 27, 2025 1:16:11 PM
    " \n Key Takeaways \n \n \n Why State Compliance And Insurance Inspections Are Different \n What Inspectors Look For \n The Consequences Of Each ...
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    Topics: True Texas Education Insurance, daycares, inspections

    Are Inspection Deficiencies Raising Your Texas Daycare Insurance Costs?

    Posted by Brad Hancock on Aug 25, 2025 3:41:38 PM
    " \n Key Takeaways \n \n \n Why Daycare Inspections Matter \n Five Common Deficiencies That Can Be Fixed Quickly \n How Deficiencies Affect Insurance ...
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    Topics: True Texas Education Insurance, daycares, inspections

    Is It Good To Put My Business Vehicles In A Series LLC?

    Posted by Brad Hancock on Aug 19, 2025 2:50:09 PM
    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 ...
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    Topics: liability, commercial texas insurance, commercial auto insurance

    The Hidden Dangers of Inexperienced Texas Daycare Insurance Agents

    Posted by Brad Hancock on Aug 15, 2025 11:15:00 AM
    " \n Key Takeaways \n \n \n Overlooking Important Coverage \n Misunderstanding Claims Made Policies \n Inadequate Risk Assessment \n \n If you want a ...
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    Topics: True Texas Education Insurance, daycares

    Three Things Your Daycare Insurance Company Doesn't Want You To Know

    Posted by Brad Hancock on Aug 13, 2025 10:45:00 AM
    " \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 ...
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    Topics: liability, property, True Texas Education Insurance, daycares