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 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 […]
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 18, 2025
jdowdinsInsurance Considerations For Law Firms
To help address their exposures and potential losses, law firms should consider the following types of coverage: Professional liability coverage—If a client alleges that a law firm’s staff provided negligent services or made other professional mistakes, this coverage—also called errors and omissions insurance—can help pay the resulting expenses. General liability insurance—This coverage can assist if […]
February 19, 2025
jdowdins7 Insurance Coverages For Contractors
Essential Insurance Coverage for Contractors: Protecting Your Business and Projects As a contractor, your work is demanding, unpredictable, and filled with risks—both on and off the job site. Whether you’re building custom homes, renovating commercial properties, or managing large-scale infrastructure projects, the right insurance coverage is essential to protect your business from financial loss and […]
January 27, 2025
jdowdinsWhat Does a Business Owners Policy Cover?
Many large businesses rely on standalone policies to insure their various risks. However, a business owners policy, commonly referred to as a BOP, packages both property and liability coverage for eligible small businesses. These policies make it easy to protect a business from common risks in a cost-effective manner. BOPs typically include three types of […]
January 23, 2025
jdowdinsWhat is a D&O Runoff Insurance Policy?
Understanding D&O Runoff Policies Directors and officers liability (D&O) insurance is a vital safeguard for business leaders making decisions on behalf of their organizations. However, when a company is merged with or acquired by another entity, these leaders may face personal liability if their D&O insurance is canceled or expires. In these scenarios, a D&O […]
January 13, 2025
jdowdinsPreventing Theft and Vandalism in Small Businesses
Theft and vandalism pose significant risks to small businesses across all industries. These incidents can lead to financial losses, property damage and operational disruptions. Given these potential consequences, business leaders must take steps to safeguard their organizations. This blog explores the risks of theft and vandalism, prevention strategies, response protocols and essential insurance considerations. Theft […]
January 6, 2025
jdowdinsThe ABCs of D&O Insurance
D&O insurance policies typically include three standard insuring agreements—Sides A, B and C—detailing the scope of coverage and the insurer’s promise to indemnify policyholders against covered losses: Side A (D&O liability coverage)—Side A protects individual directors and officers against losses when the organization cannot indemnify them. This coverage safeguards personal assets and is crucial for […]
December 26, 2024
jdowdins5 Insurance Policies for Small Businesses
With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Understanding the following five insurance policies can help your business make decisions to financially protect employees and the business’s bottom line. 1. Commercial Property Insurance In the case of a catastrophic […]