If you’re a business owner in Texas, there’s a good chance you may have thought this at some point: “I’ve got General Liability… so I’m covered.” I wish it were that simple. At Leal Insurance Services, we work with business…

If your business accepts credit cards, stores customer information, or processes online orders — you already have cyber risk. The problem?Most Texas business owners don’t realize it until something goes wrong. At Leal Insurance Services, we see it all the…

If you’re a business owner in Texas, chances are you’ve looked at your commercial insurance premium and thought: “How did they even come up with this number?” You’re not alone. Commercial insurance pricing can feel confusing, inconsistent, and—at times—completely random.…

For many business owners, few things cause more confusion than receiving a notice from their insurance carrier requesting a premium audit. The letter arrives, the request for financial documents begins, and suddenly you’re wondering: “Did I do something wrong?” In…

Errors & Omissions (E&O) claims are one of the biggest professional risks insurance agents face. As insurance advisors, our job is to protect clients from financial loss. But when a misunderstanding, documentation gap, or administrative error occurs, the agent themselves…

Do I Need Commercial Auto Insurance in Texas? A Practical Guide for Business Owners As a Texas business owner, there’s a question we hear all the time: “Do I really need a commercial auto policy if I’m just using my…

Commercial insurance has a reputation—and not a great one.It’s often seen as complicated, confusing, and full of fine print that only makes sense after something goes wrong. When business owners feel overwhelmed, it’s natural to focus on one thing that…

If you’re a Texas business owner with employees, you’ve probably asked this question at least once: “Do I legally need workers’ compensation insurance in Texas?” The answer may surprise you.In Texas, workers’ compensation insurance is not required for most private…