If you own a retail shop or restaurant, chances are you've got a vehicle (or a few) that help keep things moving, whether it's for deliveries, catering, getting supplies, or even running errands. Those cars, vans, or trucks are a big part of your business, and just like your storefront or kitchen, they need the right care and protection.

Seasonal promotions can be a fantastic way for your Texas restaurant or retail store to draw in new customers, keep loyal patrons excited, and create a buzz in the community.

Whether you're rolling out a festive holiday menu, hosting a summer sidewalk sale, or throwing a back-to-school shopping event, these special occasions can be a revenue booster. But along with the fun and sales, they can also bring extra risks for your business if you're not prepared.

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?

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.

Renovating your business space is exciting, since it gives you the chance to offer a new layout, fresh branding, and better customer experiences. But while you're focused on construction and design, there's one thing that often gets overlooked: your Business Insurance coverage.

Whether you're expanding your kitchen, upgrading your fixtures, or doing a full remodel, your existing insurance policy may not automatically cover the changes you're making, or the new risks that come with them.

If you own a small business, especially a retail store or restaurant, insurance isn't just a formality. It's your company's financial safety net if disaster strikes.

But not all policies cover the same risks. Two of the most important types of Commercial Insurance coverage for business owners are Commercial Property Insurance and General Liability Insurance.

Signing a lease for your storefront is a big step, but if you're not careful, it could come with costly insurance obligations you didn't expect. Many restaurants and retail business owners sign commercial leases without fully understanding the insurance requirements buried in the fine print.

Texas summers bring more than just heat. They also bring higher risks, especially for retailers and restaurant owners. Every year, small businesses across the state face inventory loss, power outages, equipment failure, and unexpected shutdowns due to extreme temperatures and rolling blackouts.

If you're a retailer or restaurant owner, you already know that summer is busy and unpredictable. The question is, will your insurance coverage be ready for it?

Small business owners often focus on cutting costs. Although it's smart to keep costs low, one area where cutting corners can do serious damage is your Business Insurance coverage.

Being underinsured means you have coverage, but not enough of it, and when something goes wrong, that gap can leave you paying thousands out of pocket. For many small businesses, it's the difference between recovery and closing for good.

If a burst pipe floods your retail store or a fire shuts down your restaurant's kitchen, repairs could take weeks or even months. While you're trying to rebuild, your business is still going to be responsible for meeting payroll, rent payments, and utilities, even though your income has come to a standstill.