Flooding… It Can Happen to You

FBMAccess January 3, 2023

Flood insurance. Who needs it? If you’ve lived in South-Central Texas long enough, you’ll know that the weather can change at the drop of a cowboy hat. San Antonio rainstorms are no joke, and securing flood insurance coverage is the responsible thing to do. You might think your homeowner’s insurance covers flooding, but did you know that most homeowner’s policies do not cover any flood damage? You might think, “Well, I’m good since I’m not in a flood zone.” But,

The Basics of Umbrella Insurance

FBMAccess December 27, 2022

December weather brings fronts and gloomy days, and most people carry an umbrella to help protect them from the cold, wet rain and other weather elements. Much like its helpful namesake, umbrella insurance protects its policyholders from several types of incidents by covering claim costs that exceed your insurance policy payouts. According to Forbes, an estimated 40 million lawsuits are filed each year, averaging $40,523 in settlement costs. So why not rely solely on your insurance policies to cover these

Bundling Isn’t Just for Colder Weather

FBMAccess December 8, 2022

Chestnuts are roasting on the fire, and it’s officially #snuggleseason in Texas. It’s time to bust out the good blankets and get bundled up against the incoming freezing temperatures. Getting cozy near the fire isn’t the only way you can bundle this season. Did you know there are significant advantages to bundling your insurance policies? You can often save money by bundling while getting the appropriate coverage for your unique situation. SOGO Insurance is here for your insurance bundling needs;

How Sure Are You About Surety Bonds?

FBMAccess November 30, 2022

As a small business owner, you likely deal with frustrating situations daily. One of those frustrating situations could have been when a hired consultant or company isn’t completing the work you agreed to at the beginning of the project. Hopefully, it means you have a simple conversation to voice that frustration to find a solution that works for your business and the consultant you hired. On the same note, if you’re a small business providing clients services that require surety

Key Facts About Key Person Life Insurance

FBMAccess November 23, 2022

Now is when most businesses are crunching numbers and evaluating fourth-quarter metrics closely to determine how strong the year will finish out and how hard to push during the first-quarter kickoff. One area of planning, however, might need to be noticed during all the excitement and celebrations of holiday bonuses, performance review results, and end-of-year vacations. One of the more essential types of insurance a company can consider is key person life insurance. With planning and reflection on the calendar,

What You Need to Know about D&O Insurance

FBMAccess November 8, 2022

If you’ve been keeping up with recent news, you might have seen or heard about several layoffs in the tech industry. As the Federal Reserve Bank continues to slow the economy to combat rising inflation, many experts believe that more businesses will continue to see job freezes and potentially more layoffs in the coming year. Unfortunately, layoffs and terminations often create stressful environments for companies and individuals, even if the layoffs or terminations aren’t economic-related. In addition, you’ll likely see new lawsuits

Cybersecurity Protection Is Not Just For October

FBMAccess October 31, 2022

Cybersecurity Awareness Month is over, but your concern regarding cyber attackers should continue. As a small business owner, you’re likely worried about everything from payroll to board meetings, but cybersecurity should always stay up. Hackers are sharpening their skills more and more as the years go on. According to the FBI’s Internet Crime report, the cost of cybercrimes reached $2.7 billion in 2020, and 47% of small businesses experienced a cyberattack of some kind in the past year. Why are

Reflections During Breast Cancer Awareness Month

FBMAccess October 24, 2022

As you likely already know, October is National Breast Cancer Awareness Month (NBCAM), and we’ve been reflecting on how this infamous disease has affected families over the years. So many unfortunate things can happen to a family, like job loss, a natural disaster ruining a home or a stolen vehicle from the driveway. But nothing hits home quite as hard as a loved one receiving a severe health diagnosis like cancer. While health issues cannot be prevented in all cases,

PEO Services: Crucial For Every Business

FBMAccess September 30, 2022

For many small or midsize businesses, clerical and administrative help can go a long way. PEO, or Professional Employer Organization, is just that type of help. These comprehensive packages can help your company grow by performing simple tasks that are vital to a business staying compliant with federal and state laws. For example, even a basic package can combine several levels of employee expertise in a simple-to-use program, saving you from hiring too many employees while your business is in a

Free HR Resources at Your Reach

FBMAccess September 21, 2022

As with every work position, there’s usually a “fun” side and a “not-so-fun” side of the job. For some, the not-so-fun side could be filing paperwork, managing a budget, or spending time in meetings that could have been an email. For HR professionals, the not-so-fun side includes dealing with issues that could cost the company severe cash or, worse, loss of the business altogether. SOGO Insurance teamed up with Mineral (formerly ThinkHR) to help provide tools that guide you through risk management topics,

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