Insurance For Texans Blog

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

Posted by Brad Hancock on Mar 6, 2025, 2:47:42 PM
Key Takeaways Loss run reports are essential when shopping for new daycare insurance. Insurance companies require these reports to verify your claim ...

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

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

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 ...

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

Topics: windstorms, hail, Church Insurance

Three Things Texas Homeowners Need To Know Before Hail Season Starts

Posted by Ron Wadley on Feb 27, 2025, 11:19:59 AM
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

Does The Number Of Employees Taking Health Insurance Matter?

Posted by Kevin Hall on Feb 26, 2025, 4:51:06 PM
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

Five Things Small Business Owners Need To Know About COBRA Benefits

Posted by Kevin Hall on Feb 24, 2025, 4:07:49 PM
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

Is Your Business Insurance Policy Being Non-Renewed?

Posted by Brad Hancock on Feb 21, 2025, 3:47:58 PM
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

Does My Texas Daycare Need Directors & Officers Insurance?

Posted by Brad Hancock on Feb 20, 2025, 2:13:41 PM
Key Takeaways Church-run daycares and preschools face real legal exposure. Even non-profit or volunteer-led boards can be sued personally for ...

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