The Texas Dram Shop Act applies to hotels, and general liability excludes it. How Chapter 2 liability works, what the TABC safe harbor really does, and what to carry.
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Your authority does not activate until an insurer files the right form. FMCSA and TxDMV filings, minimum limits, the MCS-90 trap, and what new carriers actually need.
Hotel insurance is eight coverages, and in 2026 the sexual misconduct and assault exclusions are the ones that matter. Plus Texas Ch. 114 training requirements.
Texas apartment property rates are falling 5-15% in 2026 while liability keeps rising. Here’s what actually drives your cost per unit and how to lower it.
Texas caps church liability at $1 million per occurrence, but only if the church carries qualifying insurance. Here’s the coverage a Texas church actually needs.
Commercial auto is the one line still rising in 2026. Here’s what’s driving Texas truck insurance rates, including the TAIPA increase, and what a fleet can control.
Texas SB 458 created Insurance Code Ch. 1813 for home and auto appraisal, and TDI’s proposed rule adds deadlines and a required notice. What it means for your claim.
Texas does not require landlord insurance, but a homeowners policy will not cover a rental. The coverages, the Property Code duties, and the renters insurance clause.
Texas charitable immunity does not cover duties owed to the organization, and general liability does not cover board decisions. Where D&O fits for a Texas non-profit.
Hotel property rates are falling 15-25% while liability tightens. What drives a hotel insurance premium in 2026 and how to lower it without hollowing out the policy.
