Stephen Schmerbeck, Author at Garrett Insurance

How to Expand Your Business Insurance Coverage as Your Industry Grows

Many small businesses begin with a general business owners’ policy, but every industry carries its own mix of liability, property, equipment, and digital risks. Growth is good — but it also introduces new gaps that standard insurance does not automatically update. Whether you run a service business in Kerrville, a retail shop in Fredericksburg, or […]

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What Is Commercial Umbrella Insurance and Does Your Business Need It?

Commercial Insurance

Even the most carefully insured companies can face claims that exceed standard policy limits. A single lawsuit or multi-vehicle accident could quickly outpace your general liability or auto liability coverage. That’s where a commercial insurance umbrella policy steps in with an extra layer of financial protection that keeps your business secure when unexpected costs arise. Understanding How Umbrella Coverage Works Commercial

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Top 7 Risk Reduction Strategies for Commercial Auto Fleets

Commercial Insurance

Managing a commercial fleet requires more than maintenance and scheduling. Each vehicle represents both mobility and liability. Accidents, breakdowns, and compliance issues can create serious financial strain. That’s why every business operating commercial vehicles should treat commercial auto insurance as the foundation of a complete risk-management plan. The following seven strategies help fleet managers strengthen safety, minimize claims, and protect profitability. 1.

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How to Lower Your Business Insurance Premiums Without Losing Coverage

Commercial Insurance

Business insurance is essential for protecting your company from unexpected risks, but the cost of premiums can be a concern for many owners. The good news is that there are practical ways to reduce insurance expenses without sacrificing the coverage your business needs. By being proactive and strategic, you can strike the right balance between

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What to Know About Estate Planning for the Future

Home insurance

Planning for the future is not always easy, but estate planning is one of the most important steps you can take to protect your family and assets. An estate plan is more than just a will. It is a comprehensive strategy that outlines how your property, finances, and medical decisions will be managed if you

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What Is EPLI (Employment Practices Liability Insurance), and Do You Need It?

Independent Insurance

Running a business means more than managing daily operations, it also involves managing people. From hiring new employees to handling promotions, terminations, or workplace policies, every decision comes with potential legal risks. Employment-related claims are more common than many business owners realize, and even a small dispute can result in costly litigation. That’s where Employment

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The Importance of Employee Wellness Programs in Retention

Commercial Insurance

In today’s competitive job market, attracting and keeping top talent requires more than offering competitive salaries. Employees want to feel supported, valued, and cared for beyond their day-to-day tasks. One of the most effective ways companies can achieve this is through employee wellness programs. Wellness programs are more than perks, they’re a critical part of

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How Does Commercial Insurance Differ Across Industries?

Commercial Insurance

No two businesses are exactly alike, and neither are their risks. A retail store doesn’t face the same exposures as a construction company, and a tech startup has different concerns than a restaurant. That’s why commercial insurance policies vary widely depending on the industry. By tailoring coverage to specific risks, business owners can ensure they’re

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Why Every Business Needs a General Liability Insurance Policy

Commercial Insurance

Running a business comes with its share of risks. From customer injuries on your property to accidental damage at a job site, one unexpected event can result in legal fees, medical costs, or property repair expenses. Without the right insurance coverage, a single incident could jeopardize your financial future. That’s where general liability insurance comes

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How Community Support Strengthens Disaster Recovery—and Builds Future Resilience

Independent Insurance

Disasters—whether natural or man-made—can leave a lasting impact on communities, families, and individuals. From hurricanes and floods to wildfires and tornadoes, these events often arrive without warning and leave behind physical destruction, emotional trauma, and financial uncertainty. In the aftermath, one of the most critical elements of recovery isn’t just government aid or insurance—it’s the

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Author name: Stephen Schmerbeck