May 1, 2025
jdowdinsWhy Nonprofits in Central Texas Need D&O Insurance—And How It Protects Your Mission
Running a nonprofit is all about impact—making a difference in your community, supporting causes you care about, and serving others. But behind every great mission is a board of directors helping steer the ship. And with leadership comes responsibility—and risk. That’s where Directors and Officers (D&O) insurance comes in. What Is D&O Insurance for Nonprofits? […]
April 28, 2025
jdowdinsHow to Cut Workers’ Comp Costs Without Cutting Corners: 5 Pro Tips for Central Texas Business Owners
If you’re a business owner in Central Texas, you know workers’ comp insurance is a necessary part of protecting your team—and your bottom line. But when premiums start creeping up, it’s time to get proactive. The good news? Reducing your workers’ compensation costs doesn’t mean just hoping for fewer accidents. It starts with a smart, […]
April 23, 2025
jdowdinsBoat Insurance 101: Why Central Texas Boaters Need It and What It Actually Covers
As the sun starts shining a little brighter and the lakes around Central Texas—like Lake Travis, Belton Lake, and Lake Buchanan—begin filling up with eager boaters, it’s officially boating season. But before you launch your bass boat, pontoon, or jet ski, there’s one thing you don’t want to forget: boat insurance. If you’re like many […]
April 21, 2025
jdowdinsWhy Do Small Businesses Need Cyber Insurance?
Businesses across industry lines have become more reliant on technology to conduct their operations. However, any digital presence—no matter how small—presents a cybersecurity risk. Whether a business utilizes e-commerce, stores sensitive data or sends emails, it could be vulnerable to cyberattacks. These incidents can result in large-scale financial losses, regulatory fines and reputational damage. While […]
April 16, 2025
jdowdinsHow to Protect Your Home From Mold
A common expression references “April showers,” exemplifying the frequency of precipitation and moisture inherent during this time of year. However, while these conditions may help promote blooming flowers and budding trees, they can also promote unwelcome mold growth in your home. Mold can produce allergens, irritants and even toxic substances. Prevent mold growth in your […]
April 14, 2025
jdowdinsBuying a House in Texas? Here’s What You Really Need to Know About Home Insurance
So you’ve found the one—no, not your soulmate (though congrats if you found them too)—we’re talking about the house. Whether you’re upgrading, downsizing, or jumping into homeownership for the first time, buying a home in Texas is a big deal. But while you’re dreaming of front porches, open-concept kitchens, and backyard BBQs, there’s one crucial […]
April 7, 2025
jdowdinsHow To Prevent Distracted Driving
The National Safety Council designates April as Distracted Driving Awareness Month. This annual campaign is intended to raise awareness about the dangers of distracted driving and encourage drivers to minimize potential distractions behind the wheel. Distracted driving contributes to nearly 400,000 injuries and 3,000 fatalities each year, according to the National Highway Traffic Safety Administration. […]
March 31, 2025
jdowdinsPreparing For Spring Storm Season: Making A Family Communication Plan
Make a Plan to Connect With Family Members in a Disaster Staying connected with family members during a disaster is crucial for ensuring everyone’s safety and well-being. A clear and effective communication plan can help you stay in touch during emergencies. Gather Crucial Information Keep physical copies of crucial information in a safe and accessible […]
March 26, 2025
jdowdinsWhy Every Central Texas Business Needs Employment Practices Liability Insurance
Running a business is a rewarding journey—but let’s be honest, it’s not without its risks. While most business owners in Central Texas understand the importance of general liability and property insurance, there’s one crucial coverage that often gets overlooked: Employment Practices Liability Insurance (EPLI)If you have employees (or plan to), EPLI should be on your […]
March 24, 2025
jdowdinsSevere Convective Storms: A Preparedness Guide for Business Resilience
As a business owner, ensuring the safety of your employees and protecting your property is of utmost importance, especially in the face of severe convective storms. These unpredictable weather events can bring about destructive winds, hail and tornadoes, which can pose significant risks to both your workforce and your business infrastructure. Consider these tips to […]