February 3, 2026
jdowdinsIdentifying Risks in Your Business: Spot Problems Before They Get Costly
Running a business in Central Texas and the Hill Country comes with plenty of opportunity—but also risk. Some risks are obvious, like storms or theft. Others stay hidden until they turn into expensive claims, lost income, or legal headaches. The good news? Many business risks can be identified—and managed—before they become major problems. A proactive […]
January 29, 2026
jdowdinsHow to Bundle Commercial Insurance Policies for Big Savings (and Fewer Headaches)
Running a business in Central Texas isn’t for the faint of heart. Between serving customers, managing employees, and keeping the lights on, insurance often falls into the “I’ll deal with that later” category. The good news? You may be able to save money and simplify your life by bundling your commercial insurance policies. Let’s break […]
January 22, 2026
jdowdinsUnderstanding Workers’ Compensation Insurance: What Business Owners Need to Know
Running a business in Central Texas—whether you’re in Austin, Georgetown, Cedar Park, or out in the Hill Country—means wearing a lot of hats. One you don’t want to forget? Protecting your employees and your business when workplace injuries happen. That’s where workers’ compensation insurance comes in. Even in Texas, where workers’ comp isn’t mandatory for […]
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 […]