Key Person Insurance Cost
Reading Time: 5 minutes Key Person Insurance Cost: What Happens When Your $3 Million Moneymaker Walks Out the Door? ⚡ Reality Check: Your top salesperson generates 40% of revenue. Your CTO holds all the technical knowledge. Your COO manages every critical relationship. One unexpected departure could cost your business millions. Key person insurance costs pennies compared to […]
Nursing Home Insurance Crisis 2025: Alternative Solutions Guide
Reading Time: 9 minutesNursing Home Liability Insurance Crisis: How We Can Help Quick Insights Box The senior living insurance market faces unprecedented challenges with liability rates increasing 300%, major carriers exiting, and COVID-related lawsuits creating additional uncertainty. Facilities nationwide struggle to find affordable coverage, forcing many to explore alternative risk management strategies including captives, self-insurance, and risk retention […]
Save Your Business During Economic Uncertainty: A Buy-Sell Agreement
Reading Time: 6 minutesSave Your Business During Economic Uncertainty: A Buy-Sell Agreement Checklist 📋 ⚠️ Critical Alert: 67% of business partnerships fail due to unplanned owner exits. In today’s volatile economy, a funded buy-sell agreement isn’t optional—it’s survival insurance. Three weeks ago, a Houston manufacturing company called us in crisis. One partner had died suddenly, leaving his 50% […]
Builders Risk Insurance and Rising Construction Material Costs
Reading Time: 7 minutesBuilders Risk Insurance and Rising Construction Material Costs Quick Insight: Builders risk insurance covers material theft and damage but requires specific endorsements for price escalations. With materials representing 40-50% of construction costs, proper coverage protects both your inventory and profit margins. Last month, a framing contractor working in The Heights called our office in panic. “Lumber […]
The Complete Gap Insurance Guide 2025
Reading Time: 8 minutesThe Complete Gap Insurance Guide 2025: Everything You Need to Know Last Updated: September 17, 2025 | Comprehensive Guide by Hotaling Insurance Team Quick Insights Box: Gap insurance costs $20-$40 annually but protects against thousands in losses. With 84% of new cars financed and average loans reaching $40,366, gap coverage prevents paying for totaled vehicles […]
The 2025 Texas GAP Insurance Guide
Reading Time: 4 minutesThe 2025 Texas GAP Insurance Guide: Everything You Need to Know Meta description: Comprehensive guide to GAP insurance in Texas — what it is, costs, provider comparison, state laws & protections, and resources to help you make confident decisions. Quick Insights What GAP Does: Covers the “gap” between what your auto insurer pays (actual cash […]
Basics & Definitions: How Does Gap Insurance Work for Cars and Leases?
Reading Time: 9 minutes Last Updated: October 20, 2025 | 2025 Gap Insurance Data: Current pricing, provider comparisons, and regulatory updates How Does Gap Insurance Work for Cars and Leases? Complete 2025 Guide Gap Insurance in Plain English Bottom Line: Gap insurance pays the difference between your car’s actual cash value and what you still owe on […]
Basics & Definitions: What Is Gap Insurance? Complete Guide
Reading Time: 7 minutesWhat Is Gap Insurance? A Complete Beginner’s Guide (2025) Quick Insights on Gap Insurance Gap insurance (Guaranteed Asset Protection) in 2025 is a type of auto insurance coverage that pays the difference (“gap”) between a vehicle’s actual cash value (ACV) at the time of a total loss and the remaining loan or lease balance still […]
AI Insurance is Reimagining Policy Reviews
Reading Time: 3 minutesAI Insurance: How Domain‑Specific Tools like Qumis Are Reimagining Policy Review Why insurance is turning to AI Insurers are being squeezed by two simultaneous forces: unprecedented claim complexity and an approaching talent cliff. Claims like cyber breaches and social‑inflation lawsuits involve novel risks and hundreds of pages of legalese. Rayne Morgan’s report on the launch […]
Garbage Truck Insurance: Coverage Essentials and Compliance
Reading Time: 7 minutesGarbage Truck Insurance: The Non-Negotiables (and Pro Moves) Your Fleet Needs to Win You don’t compete in “trucking.” You compete in risk management—on tight streets, with high-value iron, under federal and local scrutiny. Build a coverage stack that actually survives spills, lawsuits, and audits—or watch one incident erase years of profit. Here’s the playbook. Why […]