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Straight From The Source Blog


Know your e-mod factor and how it affects your workers’ comp premiums

August 24 , 2017

e-mod factor & loss control

Businesses today are seeing movement in their experience modification (e-mod) factors. In Texas, there have been changes over the last few years in how modifiers are calculated. Higher modifiers can cost contractors work and affect how underwriters view businesses as a risk.

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Tags: Risk Management, Business Insurance


Food chain 411: Could your business survive an outbreak or recall?

July 13 , 2017

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We’ve all witnessed the unfolding drama with our food supply in recent years – the recalls of ground beef, spinach, bagged salad, eggs, and other products, and outbreaks of e-coli, salmonella and other contaminants. The bottom line: With an increasingly globalized network of growers, manufacturers, packers and distributors, the supply chain is more complex than ever.

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Tags: Business Insurance


Small business insurance: What should you have?

June 29 , 2017

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Own a small business? Then you know it’s a juggling act. In addition to sales and growth, you have to protect your investment from potential exposures. Because there’s so much on the line, having the right business insurance protection is crucial.

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Tags: Business Insurance


Are you making these five costly business insurance mistakes?

May 18 , 2017

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When you run a business, smart risk management is always your best defense against loss. Unfortunately, many business owners make costly mistakes – and find out too late they’re not covered. Here are five of the most common mistakes businesses make with their commercial insurance coverage:

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Tags: Business Insurance


Could your bottom line benefit from proactive claims advocacy?

April 19 , 2017

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Let’s be honest, most business owners would rather not have to contend with filing and managing insurance claims. Whether it’s a workers’ compensation claim, a large property loss claim or a sticky liability lawsuit, the process can be tedious to say the least.

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Tags: Business Insurance


Construction pollution risk: A growing concern for every contactor

March 20 , 2017

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Today’s environmental risks are more complex than ever, and they’re constantly expanding as economic, workforce and regulatory issues continue to evolve. The risk of getting caught up in a costly pollution liability claim is greater than ever before.

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Tags: Business Insurance


Reduce Texas workers’ compensation insurance costs with these five steps

February 01 , 2017

Reduce workers' comp costs

Are your Texas workers’ compensation insurance costs growing every year? Then it’s time to take control by getting actively engaged and purposeful with your claims response. Here are five crucial steps:

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Tags: Business Insurance


10 Texas business insurance exposures to tackle in 2017

January 18 , 2017

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Tags: Business Insurance


Does your business have crime insurance?

December 20 , 2016

Employee theft crime insurance

On November 20, 2016, a Wichita Falls man was arrested and charged with theft for stealing more than 23,800 pounds of metal from his employer and selling it as scrap, pocketing a good $29,000 in cash. As reported by the Dallas Morning News, Ronald Gene Clark, 57, had been stealing large quantities of stainless steel tubing and brass from Motion Industries, where he worked as an office manager, for some time. After completing a thorough review of its inventory, the company concluded they had lost a total of $125,623.81 since May 2015 due to Clark's thefts.

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Tags: Risk Management, Business Insurance


Staying ahead of rising commercial auto insurance costs with driver safety

June 29 , 2016

Commercial auto accident prevention

If you run a business that relies heavily on vehicles for your daily operations, you’ve likely been watching your commercial auto insurance premiums go up in recent years. For many, it’s getting harder to even find affordable coverage. What’s going on? The short answer: Rising automobile injury claim costs.

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Tags: Business Insurance


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