Insights
The Nimbus Blog
Coverage gaps, claims, and the AI tools reshaping how Texans buy insurance.
·5 min read·Pat Blissett, AISTexas Notary E&O: What Most Notaries Get Wrong About Their Risk
Your Texas notary bond does not protect you. Learn how Notary Errors & Omissions (E&O) insurance actually covers your personal and professional assets.
notaryE&Oprofessional liabilityRead article →
·5 min read·Pat Blissett, AISMortgage Protection vs. Life Insurance: The Honest Comparison for Texans
Don't get sold a policy you don't need. We break down mortgage protection insurance vs. term life insurance so you can make the right call for your family.
life insurancemortgage protectiontexasRead article →
·5 min read·Pat Blissett, AISBefore You Renew: Common Gaps in Texas Homeowners Insurance Coverage
Many Texas homeowners renew their policy without reviewing it, leaving them exposed. Here are the common coverage gaps we see and how to fix them.
homeowners insurancetexas insuranceinsurance renewalRead article →
·5 min read·Pat Blissett, AISA Houston Tenant’s Guide to Renters Insurance: What You Actually Need
Most Houston renters insurance is too basic. Learn what a good HO-4 policy should cover, from personal property and liability to often-overlooked endorsements for your situation.
renters insurancehoustontexaspersonal propertyRead article →
·5 min read·Pat Blissett, AISFiling an Auto Claim in Texas? Here’s How to Protect Your Premium.
Worried about your auto insurance rates after a claim? Learn the right steps to take when filing a claim in Texas, understand your options for small repairs, and know when it’s best to contact your agent to avoid unnecessary premium increases.
auto insurancetexas insuranceinsurance claimshoustonRead article →
·5 min read·Pat Blissett, AISCyber Liability Insurance: A Plain-English Guide for Small Texas Businesses
Learn what cyber liability insurance covers, why your general liability policy is not enough, and what a real cyber claim looks like for a small business in Texas.
Commercial InsuranceCyber LiabilitySmall BusinessTexasRead article →
·5 min read·Pat Blissett, AISWorkers' Comp for Texas Contractors and Trades: A Plain-English Guide
A straight-talk guide to Texas workers' compensation for contractors and skilled trades. Learn whether you need it, what it covers, and how to control your premium costs.
workers compensationcommercial insurancetexas contractorssmall businessRead article →- ·5 min read·Pat Blissett, AIS
A Business Owner's Policy (BOP) for Houston Small Businesses: What's Covered?
Learn what a Business Owner's Policy (BOP) covers for small businesses in Houston, Texas. Understand the essentials of general liability, commercial property, and business income insurance.
Business InsuranceBOPHoustonSmall BusinessRead article → 
·5 min read·Pat Blissett, AISCommercial Auto Insurance for Texas Contractors
Many Texas contractors assume their personal auto policy covers work use. This is a costly mistake. We will explain what a commercial auto policy covers, why you need it, and what to look for.
commercial autocontractor insurancetexas businessauto insuranceRead article →- ·5 min read·Pat Blissett, AIS
Term vs. Whole Life Insurance: A Straightforward Comparison for Texas Families
Deciding between term and whole life insurance can be confusing. This post breaks down the costs, benefits, and best uses for each, helping Texas families choose the right coverage for their financial goals.
life insuranceterm lifewhole lifetexasRead article → 
·5 min read·Pat Blissett, AISFlood Insurance Is for Everyone in Texas, Not Just "Flood Zones"
Many Texas homeowners think they don't need flood insurance if they're not in a FEMA flood zone. This is a costly mistake. We explain why flood risk exists everywhere and how to get the right coverage.
flood insurancehomeowners insurancehoustontexasrisk managementRead article →- ·5 min read·Pat Blissett, AIS
Why an Independent Agent Still Matters in an AI-First Insurance Market
Direct carriers and chatbots can quote fast — but they can't advocate for you at claim time. Here's what an independent agent actually does for Texas families and businesses.
Independent AgencyTexasClaimsRead article → - ·4 min read·Pat Blissett, AIS
Texas Windstorm Coverage: What Houston Homeowners Routinely Miss
Wind, hail, and named-storm deductibles are not the same line item. Here's how to read your policy before hurricane season — not during it.
HomeownersWindstormHoustonRead article →