Insights to Protect What Matters To You

Texas Cyber Risk Management: Practical Playbook

I help small and mid-sized businesses with coverage, and I see the same story across Texas: strong operations, thin IT budgets, and underwriters pressing tougher security questions at renewal. In 2023 the FBI logged 880,418 complaints and $12.5B in losses, with BEC a top costly fraud.

Texas Cyber Liability Insurance: 2025 Guide

If you do business in Texas, cyber crime is not a distant risk. The FBI’s 2023 Internet Crime Report recorded 880,418 complaints and over $12.5 billion in losses, with business email compromise alone driving $2.9 billion. For many SMBs, survival hinges on the right cyber insurance and controls.

Texas Condo Insurance (HO‑6): Complete Owner’s Guide

If you own a condo in Texas, your association's master policy is only half the story. You still need a personal HO-6 policy to protect your unit's interior, belongings, and liability. Know whether your building is studs-in or studs-out, and set Coverage A, loss-assessment, and water-backup limits to match Texas risks like leaks, windstorm, and flood.

Commercial General Insurance (CGL) Texas Guide

If you open your doors to customers, subcontractors, or delivery drivers in Texas, you have liability exposure. A single slip on a wet floor or a claim that your ad copied a competitor can spiral into legal fees and settlement demands. Falls are a leading cause of nonfatal injuries.

Texas Commercial Flood Insurance: 2025 Guide

One inch of water can cause more than $25,000 in damage, according to FEMA. I’ve seen that play out in claims files from Houston to the Hill Country. Whether a retail shop by a bayou, Gulf Coast mixed‑use, or a riverside industrial yard, commercial flood coverage is the backstop that keeps doors open after floods.

Texas Licensing & Compliance for Childcare Centers

Last year Texas Child Care Regulation inspectors completed more than 28,000 visits, and missing or outdated insurance paperwork remained a top-ten deficiency statewide. For center-based programs, keeping insurance records current is required under the Texas Administrative Code and is essential risk management.

Liability Types: GL, Professional, Accident Medical

If a parent accuses your daycare of negligent supervision after a playground fall, which policy responds first: general liability, professional liability, or accident medical? Fewer than one-third of Texas childcare programs carry all three, yet gaps can be costly.

Incident Reporting & Crisis Response for Childcare

A scraped knee may be part of childhood, but a fractured arm, missing child, or gas leak can escalate from routine to crisis in seconds. As risk advisers reviewing Texas childcare accident files, we've seen a clear incident reporting plan make the difference between a contained event and regulatory turmoil.

Cyber & Data Privacy for Childcare Programs

Parents trust you with their most precious assets and their most sensitive information. Everyday files—enrollment forms, immunization certificates, ACH drafts—are gold to cybercriminals, and one hijacked email or misplaced tablet can trigger breach notices, legal fees, and weeks of lost tuition.

Contracts: Additional Insureds, Waivers, and COIs

A newly built daycare in Austin had parents on a waiting list and staff ready to work, yet the doors stayed shut for two extra weeks. The holdup wasn't playground surfacing or permits — it was an insurance clause the landlord required, and contract wording can stop or start your opening.