Architects & Engineers Professional Liability Insurance: 2025 Cost
Reading Time: 4 minutesArchitects & Engineers Professional Liability Insurance: 2025 Cost, Coverage & Savings Guide Modern projects carry razor-thin margins and “nuclear” verdict risks, so professional liability (a/k/a “errors & omissions”) has become the keystone of architects insurance and engineering insurance programs. Average premiums now run $140–$240 per month for $1 million limits, while the typical paid claim […]
Types of Construction Insurance: 2025 Guide for Contractors & Developers
Reading Time: 5 minutesTypes of Construction Insurance: 2025 Guide for Contractors & Developers Builder’s risk, general liability, workers compensation, inland-marine and contractors pollution liability are the five core types of construction insurance. Each protects a different phase of work and may be bundled to cut total cost of risk by 8-12 percent. Key Takeaways Builder’s Risk covers the […]
Texas SB 21 Approved in House for State-Run Bitcoin Reserve
Reading Time: 4 minutesTexas SB 21 Is Now Law: 2025 Business & Insurance Guide Signed on June 20 2025, the measure establishes America’s first state-managed Bitcoin reserve and requires quarterly proof-of-reserve audits for any custodian serving Texas users. Source Why You Can Trust Hotaling’s Take on SB 21 Experience. Hotaling Insurance Services is a nationally licensed, fully independent risk-management […]
Are Annuities a Good Investment: Landon Martinez – Insurance Specialist
Reading Time: 6 minutesAre Annuities a Good Investment: Landon Martinez – Insurance Specialist Updated July 14, 2025 — Written Landon Martinez, Insurance Specialist, Hotaling Insurance Services | Linkedin Author Bio: Are Annuities a Good Investment? I provide tailored insurance solutions for high-net-worth individuals and families—helping them manage rising premiums across life, estate, and personal-lines coverage. Over the past decade […]
When Should You Buy Long-Term Care Insurance?
Reading Time: 5 minutesWhen Should You Buy Long-Term Care Insurance? — Insurance Specialist Insights By Kenneth Hausman – Insurance Specialist, Hotaling Insurance ServicesUpdated July 10 2025 Short answer: Most people lock in coverage between ages 52 and 58—before premiums rise 6–8 percent each year and health issues cause declines. Quick Insights Age 55 is the price “sweet-spot” for many […]
What Is Commercial Health Insurance? (2025 Infographic Guide)
Reading Time: 3 minutesWhat Is Commercial Health Insurance? (2025 Infographic Guide) Commercial health insurance is any private, non-government plan—think PPO, HMO, or HDHP—offered by carriers such as Hartford, Chubb, or Aetna; employers or individuals pay premiums to cover healthcare costs beyond public programs. Download the Infographic Key Takeaways 65.4 % of Americans relied on private (commercial) coverage in […]
The Pros and Cons of a Home Equity Loan in Houston
Reading Time: 7 minutesThe Pros and Cons of a Home Equity Loan in Houston A Houston home-equity loan delivers a lump-sum at a fixed rate—ideal for major renovations or debt consolidation—but it also adds a second lien on your house and must stay under Texas’s strict 80 % combined-LTV cap. Key Takeaways: Should You Tap Your Houston Home […]
Estate Tax Planning Loophole for Foreign Nationals
Reading Time: 6 minutesEstate Tax Loophole for Foreign Nationals Estate Tax Loophole planning for nonresident aliens begins with one crucial fact: foreign nationals owe U.S. estate tax only on their U.S.–situs assets—real estate, tangible personal property, and U.S. corporate shares. With just a $60,000 exemption for non-U.S. citizens versus a $13.99 million exemption for U.S. citizens in 2025, […]
How to Determine the Worth of Your Life Insurance Policy
Reading Time: 5 minutesHow to Determine the Worth of Your Life Insurance Policy Introduction Life insurance often serves as a foundational safety net, protecting loved ones financially in the event of the policyholder’s death. Yet beyond mortality protection, these policies can function as dynamic financial instruments, offering cash-value growth, tax benefits, and strategic flexibility. How to Determine the […]
How Much is Commercial Auto Insurance in Florida?
Reading Time: 4 minutesHow Much is Commercial Auto Insurance in Florida? Running a business in Florida that relies on vehicles comes with its own set of challenges—and commercial auto insurance is one of the most important protections you can put in place. From contractors and delivery drivers to real estate professionals and landscapers, if your vehicle is used […]