If you're like most business owners, you carry Commercial Property Insurance because it protects your physical assets like your building, furniture, and inventory from things like fire, theft, or natural disasters. But what happens when a vital piece of equipment suddenly fails because of internal issues, like a power surge, mechanical failure, or operator error? […]

If you're a parent getting ready to send your child off to college this fall, you're probably swamped with to-do lists like prepping for move-in day, dorm supply shopping, and scheduling tuition payments. But there's one crucial item that often gets overlooked: your Personal Insurance coverage. Whether your student is moving across town or out […]

Opening a new restaurant is one of the most exciting and challenging ventures in the hospitality industry. Whether you’re a first-time restaurateur or an experienced operator expanding your portfolio, launching a new restaurant concept requires more than great food and a creative idea. It takes planning, compliance, funding, and a deep understanding of operational risk. […]

Retail theft is a growing issue for small business owners, both for large retailers and mom-and-pop stores. Whether it's shoplifting, employee theft, or organized retail crime, merchandise losses eat directly into a company's profits and make it harder to stay afloat. The good news is that if you're a retail owner, there are smart, affordable […]

Running a small business means making smart decisions every day, especially when it comes to managing your risks and controlling costs. If you own a retail shop or restaurant, you probably need multiple types of insurance, such as Commercial Property, General Liability, and Business Interruption or Equipment Breakdown coverage. Instead of trying to juggle a […]

Protecting Your Employees and Your Business Workers’ Compensation Insurance works by protecting both your restaurant and your employees when a team member gets hurt or sick while on the job. In a busy restaurant, a cook might burn their hand, a server might slip on a wet floor, or a dishwasher could strain their back. […]

In Texas, the summer heat is brutal for most people, but it can be absolutely dangerous for people working in or near the heat. For example, your business might have employees working in hot kitchens, outside on loading docks, or fulfilling customer curbside orders. For small business owners, failing to prepare for heat-related risks puts […]

Protecting the Place Where Your Business Happens The single biggest part of your restaurant is your physical location, including your outdoor signage, furnishings, appliances, equipment, and décor. Each piece works to make your business unique and welcoming, and all of your commercial property is important to how your restaurant functions. Commercial Property Insurance helps protect […]

Your upcoming vacation should be a time to relax, and not worry about what's happening back home. Unfortunately, every year some homeowners return home to find their house broken into, damaged, or vandalized while they were gone. Before you pack your bags this summer, discover some of the ways you can protect your home and […]

When you're running a small business, your time is tight and your budget is usually even tighter. With insurance decisions that have to be made, it's tempting to just grab a quick quote online, click a few boxes, and call it done. But here's the truth: online insurance can't ever do what a local agent […]