Your home is the heart and hub of your family. Protecting your home is important to you (and to us).

While Texas winters may not have the traditional types of winter weather hazards for homeowners, we still need to be aware of the ways we are protecting your largest asset.

During the winter months, we see more activity at home because of the cooler weather and the holidays. Family visits and lifestyle changes can have an impact on your home and your exposure to risks that you might not be thinking about.

Houston-area bar and restaurant owners have a lot to think about when it comes to running their business. Safety must be at the top of that list. From staff safety to food safety to the patron's safety, it is important for restaurant and bar owners to understand their risks and liabilities.

No matter what time of year, one of the biggest areas of liability comes to serving cocktails and alcohol. Your patrons may not always be making the best decisions when consuming these libations. So, your staff must be trained (and following the rules).

With ever-fluctuating home values, are you confident your homeowner's insurance policy limits are enough to cover the cost of rebuilding your home, should the unexpected happen? 

The cost of rebuilding your house may be higher than the price you paid for it or the price you could sell it for today. As a homeowner, you need to protect your investment. The following tips will help you ensure you have the coverage you need—eliminating worry and additional hassles.

In 2017, the damages caused by global ransomware was expected to exceed $5 billion. That is up from $325 million in 2015. Cybersecurity is critical for every business in the 21st century. Business owners need to understand how to protect themselves from this threat and ways to stay safe from hacks and ransomware.

First, let’s talk about ransomware. Ransomware is any type of malicious software that infects a computer and either prevents it from working as it should or prevents access to certain files until the user pays a ransom.

Providing group health insurance benefits for your employees is a great perk to offer! The value health insurance adds to creating a happy and healthy work environment is enjoyed by everyone year-round.

As we enter the annual open enrollment period for your group benefits, now is a good time to make sure your entire team understands the benefits that you are offering to them.

In this article, we will discuss

• Tips to Help Employees Choose the Right Plan During Open Enrollment
• 4 Ways Employees Can Cut Health Care Costs
• Answers to Some Common Benefits Questions from Your Employees

Getting your driver’s license is an important milestone for any teenager. They look forward to the freedom of being able to go on their own. They are excited about increased responsibilities.

For parents...we worry. Are they ready? Will they know what to do? How fast are they driving?

Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking, and financial investments have allowed you to turn your dreams of opening a store of your own into a reality. However, many business owners don’t realize how many exposures they must address to keep their business operating smoothly.

With the holiday season around the corner perhaps now is the time to make sure you are properly covered as you prepare for the busy and profitable shopping season. We know that these mass shopping days during the holidays are essential to your retail business. You prepare your inventory, stock your shelves, hire temporary help, and map out your promotion calendar. Don’t overlook these common areas of risk exposure.

Floods are one of the most common natural disasters a homeowner or business owner can face. Flooding can happen almost anywhere. Before you say “But, I don’t live in a flood plain.” Think again!

Where it can rain, it can flood.

As a homeowner, the projects are never-ending. From small do-it-yourself to large projects that require contractors and permits, there is always at least one project on your To-Do list for your home.

With society's love of HGTV programs like “Fixer Upper” and “Flip That House”, Hollywood's editing magic makes these projects look quick and easy. It is no wonder that homeowners are taking on more home remodeling projects to update or improve your home for your family (or a future family).

Overcoming the 5 Pain Points of a Restaurant Owner Do you own and/or run a restaurant? Do you know your biggest challenges? And how you plan to tackle them? Although every restaurant operation is different, research says that staffing is the top pain point for restaurateurs, followed by high operating and food costs in second place, and attracting and retaining customers third. To these, we'd add a fourth: The demands of complying with rules and regulations, and increasingly stringent hygiene inspections.  And a fifth: Using technology and other trends to best effect in your business. In our experience, overcoming obstacles within your restaurant largely boils down to successfully tacking these five issues. That's no mean feat. Let's take a close look at some of the strategies a restaurant owner or manager might adopt to deliver on them. Recruiting, Training and Retaining Great Restaurant Employees Front of house employee turnover can run to well over 100% a year. That means that, on average, ...