Insurance For Texans Blog

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Is Functional Replacement Cost Bad For My Church Insurance Policy?

Posted by Amanda Minter on Mar 17, 2025 9:15:00 AM
" \n Key Takeaways \n \n \n \n Functional Replacement Cost Saves Money but Changes How a Church Is Rebuilt Unlike traditional replacement cost, ...
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Topics: replacement cost, property, Church Insurance, Risk Purchasing Group

Can A Risk Purchasing Group Get Your Church The Best Property Coverage

Posted by Amanda Minter on Mar 14, 2025 10:00:00 AM
" \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 ...
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Topics: property, Church Insurance, Risk Purchasing Group

Why A National Risk Pool Can Be Better For Your Church’s Insurance

Posted by Amanda Minter on Mar 13, 2025 11:51:31 AM
" \n What is a risk purchasing group? \n \n Risk Purchasing Group: A solution for churches that are formed to cover catastrophic property losses. ...
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Topics: hail, property, Church Insurance, Risk Purchasing Group

Did A Sublimit Reduce Your Church's Claim Payout?

Posted by Amanda Minter on Mar 12, 2025 4:03:53 PM
" \n Key Takeaways \n \n \n Sublimits Can Dramatically Reduce Your Church’s Claim Payout Many Texas churches assume their full property coverage ...
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Topics: limits of coverage, liability, property, Church Insurance

Three Things Texas Daycares Need To Know About Insurance Today!

Posted by Brad Hancock on Mar 11, 2025 9:30:01 AM
" \n Key Takeaways \n \n \n Price alone doesn’t protect your daycare. Chasing the cheapest insurance policy can leave you exposed to hidden ...
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Topics: liability, property, True Texas Education Insurance, daycares

I Need New Daycare Insurance & They Are Asking Me For Loss Runs

Posted by Brad Hancock on Mar 6, 2025 2:47:42 PM
" \n Key Takeaways \n \n \n Loss run reports are essential when shopping for new daycare insurance. Insurance companies require these reports to ...
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Topics: True Texas Education Insurance, daycares, Loss Runs

What Are FTEs And How Do They Affect My Daycare Health Insurance?

Posted by Kevin Hall on Mar 4, 2025 3:59:46 PM
" \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 ...
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Topics: health insurance, group health, daycares, small business

Why Is This Church Insurance Agent Asking Me About Loss Runs?

Posted by Amanda Minter on Mar 4, 2025 9:45:00 AM
" \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 ...
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Topics: claim, Church Insurance, Loss Runs

What Do Texas Business Owners Need To Know About Spring Hail Insurance

Posted by Brad Hancock on Mar 3, 2025 8:30:00 AM
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 ...
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Topics: business coverage, hail, property, business interruption

What Texas Churches Need to Know About Insurance Before Storm Season

Posted by Amanda Minter on Feb 28, 2025 4:11:49 PM
" \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 ...
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Topics: windstorms, hail, Church Insurance