Workers’ Compensation Laws in Texas: What Employers Must Know

FBMAccess December 15, 2025

If you own a business in Texas and have employees, workers’ compensation insurance can be confusing—especially because Texas laws are different from most other states. Understanding how workers’ comp works, when it’s required, and what happens if you don’t carry it can help protect your business from serious financial and legal risk. This guide explains Texas workers’ compensation laws in plain language, so you can make informed decisions for your company. Is Workers’ Compensation Required in Texas? Texas is the

How Natural Disasters Impact Business Insurance Costs in San Antonio

FBMAccess November 25, 2025

San Antonio business owners are no strangers to extreme Texas weather. Hailstorms, flash floods, lightning strikes, tornado activity, and prolonged heat waves all pose serious risks to commercial buildings, equipment, vehicles, and operations. But what many business owners don’t realize is how dramatically these natural events can drive up business-insurance premiums—and what steps you can take to minimize the impact. In this article, we break down exactly how natural disasters influence business insurance costs in San Antonio, which coverages are

Contractor and Construction Insurance Requirements in Texas

FBMAccess November 10, 2025

Building Smart: Why Texas Contractors Need the Right Insurance Running a construction or contracting business in Texas comes with big rewards — and serious responsibilities. Whether you’re remodeling homes in Alamo Heights, wiring a new development in Stone Oak, or managing a full-scale commercial build, the right contractor insurance can mean the difference between a small hiccup and a costly disaster. At SOGO Insurance, we help San Antonio contractors protect their projects, crews, and reputation with tailored coverage that meets

insurance agent talking to couple about life coverage

10 Smart Questions to Ask Your San Antonio Business Insurance Broker at Renewal

FBMAccess October 23, 2025

Renewing your business insurance is more than just signing another form — it’s your chance to make sure your coverage still fits your operation. San Antonio businesses face unique risks, from weather-related property damage to employee liability claims. By asking the right questions, you can uncover coverage gaps, reduce costs, and build a stronger partnership with your insurance broker. 1. Has my coverage kept up with business growth? If you’ve hired more employees, opened another location, or expanded your services,

How Much Does General Liability Insurance Cost for San Antonio Small Businesses?

FBMAccess October 9, 2025

Protecting Your Business — Without Breaking the Bank If you’re running a business in San Antonio, you already know that protecting your company from lawsuits and accidents is essential — but understanding what general liability insurance actually costs can be confusing. At SOGO Insurance, we specialize in helping small businesses find affordable, customized general liability coverage that fits their unique risks. Whether you own a retail shop, contracting business, or local café, this guide will break down what you can

Final Expense Insurance in Texas: Planning Ahead

FBMAccess September 23, 2025

Thinking about end-of-life planning isn’t easy, but preparing ahead can ease the burden on your loved ones. In Texas, funeral and burial costs often exceed $7,000 to $10,000, leaving many families scrambling to cover expenses during an already difficult time. That’s where final expense insurance—also known as burial insurance or funeral insurance—comes in. At SOGO Insurance in San Antonio, we work with families and seniors to provide peace of mind through affordable and reliable coverage. This guide explains what final

landlord guidance on how to lower insurance premiums

Life Insurance for San Antonio Business Owners: Buy-Sell Funding & Term Laddering

FBMAccess September 8, 2025

If a co-owner dies or becomes disabled, a buy-sell agreement ensures the company—and the family—aren’t forced into a fire sale. Funding that agreement with life insurance gives San Antonio businesses the cash to transfer ownership smoothly, protect jobs, and keep clients confident. Start here: San Antonio Life Insurance or Business Insurance. What Is a Buy-Sell Agreement? A buy-sell is a legally binding contract that sets who buys, at what price, and with what money when an owner dies, becomes disabled,

Why San Antonio Seniors Should Revisit Their Life Insurance Plans

FBMAccess August 20, 2025

As retirement approaches, financial priorities often shift. For seniors in San Antonio, reviewing your life insurance policy isn’t just a good idea—it can be one of the smartest financial moves you make. Whether you’ve held a policy for decades or are considering a new one, updating your coverage ensures your plan still matches your current needs, health, and lifestyle. Why Reviewing Your Policy Matters in San Antonio Life insurance isn’t a “set it and forget it” decision. Your needs evolve

Best Life Insurance for San Antonio Families With Children

FBMAccess August 7, 2025

Raising a family in San Antonio comes with a lot of joy—and a lot of responsibility. From daycare costs to future college tuition, protecting your loved ones financially is just as important as providing for them today. That’s where life insurance comes in. At SOGO Insurance, we understand that every family is different, especially when young children are involved. In this post, we’ll explore the best types of life insurance for San Antonio parents, how much coverage you might need,

Homeowners vs Renters: Navigating the Insurance Maze

FBMAccess October 17, 2023

Insurance is an essential safeguard for your most significant assets, but when it comes to homeowners insurance and renters insurance, the distinctions can seem a tad blurry. At SOGO Insurance, we’re committed to helping residents of Texas, especially those in San Antonio and Austin, understand the nuances.

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