Insights

Insights for small business owners.

Plain-language guidance on coverage, cost, and risk, so you can make smart decisions, not just buy a policy and hope for the best.

Using Your Personal Vehicle for Business? Here’s What You’re Exposing

Key takeaways If a vehicle is titled in your personal name but used for business, an attorney can name your

Two Situations Where Documentation Protected My Contractor Clients

Key takeaways Two DFW contractors avoided paying on claims that were never theirs, because they had documentation and could produce

Employee, 1099, or True Subcontractor? Why the Difference Shows Up on Your Premium

Key takeaways Paying a worker on a 1099 is a tax decision. It does not make them a subcontractor, and

What is general liability insurance, and does your business actually need it?

Key takeaways General liability covers third-party claims, someone outside your business alleging bodily injury, property damage, or advertising injury. It

An insurance checklist for restaurant owners in Texas

Key takeaways A restaurant carries more overlapping exposure than almost any other small business, property, liability, liquor, food spoilage, employees,

Five coverage gaps most DFW businesses miss

Key takeaways The most expensive gaps are quiet ones, missed at purchase and never re-examined against how the business runs

Using Your Personal Vehicle for Business? Here’s What You’re Exposing

Key takeaways If a vehicle is titled in your personal name but used for business, an attorney can name your

What is general liability insurance, and does your business actually need it?

Key takeaways General liability covers third-party claims, someone outside your business alleging bodily injury, property damage, or advertising injury. It

Five coverage gaps most DFW businesses miss

Key takeaways The most expensive gaps are quiet ones, missed at purchase and never re-examined against how the business runs

Two Situations Where Documentation Protected My Contractor Clients

Key takeaways Two DFW contractors avoided paying on claims that were never theirs, because they had documentation and could produce

Employee, 1099, or True Subcontractor? Why the Difference Shows Up on Your Premium

Key takeaways Paying a worker on a 1099 is a tax decision. It does not make them a subcontractor, and

An insurance checklist for restaurant owners in Texas

Key takeaways A restaurant carries more overlapping exposure than almost any other small business, property, liability, liquor, food spoilage, employees,

Understand your coverage in plain language

Coverage built for how DFW businesses actually operate

Manage what you spend without giving up protection

Kristi on what the market gets wrong

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