Insights
The Nimbus Blog
Coverage gaps, claims, and the AI tools reshaping how Texans buy insurance.
·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, AIS
Flood 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 →