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 Whether it’s due to rapid growth, rising property values, or outdated policies, many […]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 […]
June 30, 2025
jdowdins5 Smart Ways to Lower Your Workers’ Comp Costs
Protect your team. Protect your bottom line. When you’re running a business in Central Texas, a lot rides on your team—so keeping them safe (and your insurance costs in check) is a big deal. Workers’ compensation insurance is designed to protect both your employees and your business if someone gets hurt on the job, but […]
May 28, 2025
jdowdins5 Common Cybersecurity Mistakes and How to Avoid Them
All organizations, regardless of their size or industry, are at risk of being targeted by cybercriminals. These malicious actors can conduct cyberattacks, leading to significant financial, operational and reputational damage that can be difficult or impossible to recover from. Fortunately, solid cyber hygiene practices can reduce the likelihood of data breaches and other cyber incidents […]
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 […]