Gibb Agency Insurance Services

You did it. You walked the building, met the property manager, and priced the job right. Somewhere in that meeting they asked, “You carry janitorial insurance, right?” and you nodded: “Oh, of course.”

And you do....

You finally did it. You bought the land. Maybe it’s a working ranch, a weekend place an hour outside the city, or a few acres with alpacas, chickens, and a barn you’ve been dreaming about for years. Then someone sold you a regular homeowners policy, and that’s where a lot of Texas landowners get ...

“I don’t send any money online. Why would I need cyber?”

We hear it all the time. Then one of our clients got a call he never expected. It wasn’t from a hacker. It was from his cyber insurance company.

You own the buildings. You’ve got tenants, leases, and a lender who wants to see proof of coverage. When the renewal came in, the number looked reasonable, maybe even lower than last year. That feels like a win. But if your lessor’s risk insurance policy lists your buildings at less than what it would actually cost to rebuild them, that “good deal”...

Insurance shopping usually starts with a deadline. The lender needs proof of coverage by Friday, the new car is sitting in the driveway, or a client wants your certificate before you start the job. So you buy what’s required and move on. Then life changes. You add a teenage driver, start a side business, or buy a house t...