October 30, 2025
jdowdinsHow Businesses Can Avoid Premium Surprises on Commercial Auto Coverage
Here in Central Texas, your business vehicle isn’t just a way to get from A to B—it’s part of your livelihood. Whether it’s a service truck navigating the winding Hill Country roads, a delivery van in Austin-adjacent territory, or a commercial pickup hauling equipment across Kerr County, your fleet (even if it’s just one vehicle) […]
October 28, 2025
jdowdins5 Smart Strategies to Reduce Workers’ Compensation Costs
Running a business in Central Texas means you already know one thing: making the smart choices pays off—whether it’s choosing the right equipment or getting the right insurance partner. At Dowd Insurance Agency, we’re big fans of doing the job right the first time. That’s why we’re breaking down five effective strategies your Central-Texas business […]
September 30, 2025
jdowdinsThe Case for Bricking Coverage in Cyber Insurance
Texas business owners — let’s talk about something you may not have on your radar yet: “bricking” attacks, and how the right cyber insurance can save your skin (and your devices). What in the world is “bricking”? In the world of cyber risk, bricking isn’t just a funny word — it refers to a nasty […]
September 23, 2025
jdowdinsCommercial Insurance in Texas: Why Business Interruption Coverage Matters
Running a business in Central Texas—whether you’re in Fredericksburg, Kerrville, Marble Falls, or right here in Canyon Lake—means enjoying the charm of the Hill Country and dealing with Texas-sized risks. From hailstorms to flash floods, wildfires to utility outages, your operations can be shut down in a heartbeat. That’s where Business Interruption Coverage—a key part […]
September 4, 2025
jdowdinsManagement Liability Insurance 101: A Must-Have for Business Leaders
Running a company around the Central Texas Hill Country means juggling ranch meetings, small-town charm, and plenty of responsibility. But there’s one thing you can’t let sit on the back burner: Management Liability Insurance. In today’s litigious and regulation-heavy times, organizations—be they public, private, or nonprofit—face steep risks. From shareholder scrutiny to employee lawsuits, these […]
August 26, 2025
jdowdinsRemote Work & Workers’ Comp—What Central Texas Businesses Need to Know
Working from home might sound cozy, but it comes with its own set of risks—and for employers, that means potential workers’ compensation claims. The COVID-19 pandemic forever changed how we work. For many Central Texas businesses, remote and hybrid schedules are now the norm. While this shift offers flexibility, it also introduces new challenges in […]
August 19, 2025
jdowdinsWhy Hill Country Business Leaders Can’t Ignore Private Company D&O Insurance
Business leaders across the Hill Country face a wide range of responsibilities and challenges in today’s fast-moving Texas economy. One area often overlooked is Directors & Officers (D&O) Insurance, which many assume is only relevant for large, publicly traded corporations. In reality, private companies of all sizes can face costly claims tied to management decisions, […]
July 30, 2025
jdowdinsIs Your Small Business Underinsured?
Running a small business in Central Texas isn’t just about chasing dreams and keeping customers happy—it’s also about managing risk. And one of the sneakiest risks out there? Being underinsured. Underinsurance happens when your business coverage doesn’t match your actual risk exposure. Whether it’s due to rapid growth, rising property values, or outdated policies, many […]
July 16, 2025
jdowdinsWhat Small Businesses Need to Know About Texas’ New Cybersecurity Law
Texas Sets the Bar: What Small Businesses Need to Know About the New Cybersecurity Law If you run a small business near Austin or anywhere in Central Texas, here’s a heads-up: Texas just passed a new law that sets clear standards for how companies handle cybersecurity. Think of it as a digital safety playbook—and following […]
July 9, 2025
jdowdinsWhat to Do in the First 24 Hours After a Workplace Injury
A Workplace Injury Guide for Central Texas Business Owners Running a small business in the Austin area comes with plenty of moving parts—managing employees, serving customers, and of course, keeping everyone safe on the job. But no matter how many safety protocols you have in place, workplace injuries can still happen. When they do, the […]