January 15, 2026
jdowdinsLiability Insurance 101: What Every Small Business Owner Needs to Know
Running a small business in Central Texas—whether you’re in Austin, Georgetown, Dripping Springs, or New Braunfels—comes with plenty of rewards. But it also comes with risk. And no, we’re not just talking about unpredictable Hill Country weather 🌩️. That’s where general liability insurance comes in. Think of it as the financial safety net that keeps […]
January 8, 2026
jdowdinsUnderstanding Commercial Property Insurance: Protecting the Building Blocks of Your Business
Running a business in Central Texas—whether you’re in Austin, Georgetown, Cedar Park, New Braunfels, San Marcos, or San Antonio—takes grit, planning, and a whole lot of moving parts. From your building and equipment to the inventory on your shelves, you’ve invested serious time and money into what makes your business run. That’s where commercial property […]
December 23, 2025
jdowdinsHow Businesses Can Prevent Premises Liability Claims (and Save Money!)
Running a business in Central Texas — whether that’s a café in Fredericksburg, a shop in Kerrville, or an office in San Antonio — you know this area brings sunshine, smiles, and potential hazards. When customers or visitors get injured on your property, it can quickly turn into a premises liability claim — one that […]
December 16, 2025
jdowdinsWorkers’ Compensation Benefits: What Every Business Owner Should Know
Workers’ compensation isn’t just insurer jargon — it’s peace of mind for your team and protection for your business. Whether you run a construction crew in Fredericksburg, a brewery in Wimberley, or a boutique shop in New Braunfels, understanding workers’ compensation benefits helps you support your employees — and keep your business running strong. That’s […]
November 13, 2025
jdowdinsErgonomics & Best Practices for Remote Workers: Keeping Your Central Texas Team Healthy, Happy, and Covered
If your Central Texas business has employees who work remotely — even just part-time — you’re probably juggling a few hidden risks. Sure, the commute’s gone, but the posture problems, eye strain, and long hours at the dining room table? Still here. And when discomfort turns into injury or fatigue, it can affect productivity and […]
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 […]