Insights from the Benchmark advisory desk.
Market updates and coverage breakdowns for Texas operators, investors, and business owners.
Field notes on the Texas market.
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Why the wind/hail deductible is the number that actually matters
On Texas property programs, the percentage wind/hail deductible quietly decides your real out-of-pocket after a storm. Here is how to read it.
Builder's risk vs. general liability: what contractors actually need
Builder's risk covers the project; general liability covers everyone around it. Texas contractors need both — here is where the gaps hide.
TIV vs. RCV: what your building is actually insured for
Most underinsured buildings look fully covered on paper. How total insured value and replacement cost drive your premium — and your recovery.
How much commercial property insurance do investors need?
Property, loss of rents, liability, flood, wind and hail — what belongs on a Texas investor's program, and how much is actually enough.
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Practical, Texas-specific coverage notes from the advisory desk. No spam, just the things that change what you pay and what you recover.