Insurance Talk Texas
Claim This Podcastby AR Schell & Son Agency
Podcast Overview
<p><strong>Insurance Talk Texas</strong> is the go-to podcast for anyone looking to understand the ever-changing world of insurance across the Lone Star State. Hosted in partnership with <strong>AR Schell & Son Agency</strong>—Collin County's oldest independent insurance agency, serving Texans since 1930—this show brings expert insights, practical advice, and real-world stories to help individuals, families, and businesses make informed insurance decisions.</p> <p>Each episode breaks down complex topics like auto, home, business, and life insurance into easy-to-understand conversations, while also covering emerging issues like flood coverage, liability protection, and risk management in Texas’s unique climate and economy.</p> <p>Whether you’re a first-time policyholder, a small business owner, or simply curious about how insurance impacts your life, <strong>Insurance Talk Texas</strong> delivers the knowledge you need—with local expertise you can trust.</p> <p>Be sure to visit AR Schell & Son Agency at <a href="https://schellinsurance.com">https://schellinsurance.com</a> for all your Texas insurance needs!</p>
Language
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Publishing Since
8/14/2025
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Recent Episodes
July 17, 2026
Cyber Liability Insurance for Texas Small Businesses: What You're Not Covered For | Insurance Talk Texas
<p>Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.</p><p> </p><p>Think your business is too small to be a cyberattack target? Think again. In this episode of Insurance Talk Texas, we break down cyber liability insurance and why it has become essential coverage for small and mid-sized businesses across North Texas.</p><p> </p><p>We cover why small businesses are actually preferred targets for cybercriminals, what standard general liability and business owners policies do NOT cover when it comes to data breaches and ransomware, and the specific Texas legal requirements business owners need to know under the Texas Identity Theft Enforcement and Protection Act, including the 60-day breach notification deadline and the Attorney General reporting threshold.</p><p> </p><p>We also discuss the difference between first party and third party cyber coverage, how cyber extortion coverage works if ransomware locks up your systems, and a newer Texas law that offers a liability shield for small businesses that adopt recognized cybersecurity practices.</p><p> </p><p>Whether you run a medical office in Allen, a retail storefront in Plano, a contracting business in Prosper, or a professional services firm anywhere in Frisco, McKinney, Collin County, or Denton County, this episode will help you understand where your business may be exposed and what to do about it.</p><p> </p><p>Topics covered in this episode:</p><p> </p><p>Why small businesses are frequent cyberattack targets</p><p>The gap between general liability coverage and cyber risk</p><p>First party vs third party cyber liability coverage</p><p>Data breach notification requirements under Texas law</p><p>The Texas Attorney General reporting threshold</p><p>Cyber extortion and ransomware coverage</p><p>A new Texas liability shield for cybersecurity-ready businesses</p><p>How to evaluate your business's cyber exposure</p><p> </p><p>About Schell Insurance:</p><p>Schell Insurance is an independent insurance agency proudly serving Frisco, McKinney, Plano, Prosper, Allen, and the greater Collin and Denton County area in North Texas. As an independent agency, Schell Insurance works with multiple carriers to find coverage that actually fits your business, rather than pushing a one-size-fits-all policy. Their team helps North Texas business owners evaluate cyber risk, general liability, business owners policies, commercial auto, workers compensation, and other business insurance needs so they can operate with confidence.</p><p> </p><p>Whether you're a small business owner just starting to think about cyber risk, or you already have a policy and want a second opinion, the Schell Insurance team is ready to help. Call (972) 423-4546 or visit https://schellinsurance.com today for a personalized review of your business insurance coverage.</p><p> </p><p>Insurance Talk Texas is an educational podcast and video series created in partnership with Schell Insurance, covering the insurance topics that matter most to North Texas homeowners, drivers, families, and business owners. New episodes release weekly.</p><p> </p><p>Disclaimer: This content is for general educational purposes only and does not constitute legal, financial, or insurance advice. Coverage availability, terms, and requirements vary by individual circumstances and carrier. Contact Schell Insurance directly to discuss your specific situation.</p><p> </p><p>#CyberLiabilityInsurance #CyberInsurance #TexasInsurance #NorthTexasBusiness #SmallBusinessInsurance #SchellInsurance #FriscoTX #McKinneyTX #PlanoTX #ProsperTX #AllenTX #CollinCounty #DentonCounty #DataBreach #Ransomware #BusinessInsurance #CyberSecurity #InsuranceTalkTexas #TexasSmallBusiness #RiskManagement</p>
July 10, 2026
Your 401(k) Could Cost You Your House | Fiduciary Liability Insurance Texas Business Owners Need
<p>Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.</p><p><br></p><p>If your Texas business offers a 401(k) or a group health plan, federal law has already made you a fiduciary. You did not sign up for it. And under ERISA, that title puts your personal assets on the line.</p><p><br></p><p>In this episode of Insurance Talk Texas, we unpack the most misunderstood coverage in management liability: fiduciary liability insurance. We explain why the ERISA fidelity bond your payroll company made you buy does nothing to protect you, why plaintiff firms can find you through publicly filed plan documents, and why the Northern District of Texas has become one of the most active federal venues in the country for ERISA disputes.</p><p><br></p><p>WHAT YOU WILL LEARN IN THIS EPISODE</p><p><br></p><p>Who actually counts as a fiduciary under ERISA, and why you can be one without ever being named in a plan document. The "functional fiduciary" concept catches owners, CFOs, and HR directors off guard.</p><p><br></p><p>The critical difference between an ERISA fidelity bond and fiduciary liability insurance. The bond is mandatory and protects the plan from theft. Fiduciary liability protects you from allegations of negligence, imprudent investment selection, excessive fees, and administrative error. Confusing the two is the most expensive mistake a Texas plan sponsor can make.</p><p><br></p><p>What fiduciary liability insurance actually pays for: legal defense costs, settlements, judgments, and the cost of responding to a Department of Labor investigation. And why ERISA prohibits your plan from indemnifying a fiduciary who breached their duty, meaning the money to defend these claims may come from your personal savings, investments, and home.</p><p><br></p><p>The new wave of ERISA litigation reaching North Texas businesses, including forfeiture reallocation lawsuits, tobacco surcharge claims on group health plans, voluntary benefits challenges, and continued excessive fee actions. Plus the Department of Labor position that maintaining a cybersecurity response plan for your retirement plan is itself a fiduciary duty.</p><p><br></p><p>Key exclusions every plan sponsor should understand: intentional fraud, theft of plan assets, failure to fund promised contributions, and prior known claims. Plus why claims made policies create a permanent gap if you let coverage lapse.</p><p><br></p><p>WHY THIS MATTERS FOR NORTH TEXAS BUSINESS OWNERS</p><p><br></p><p>Frisco, McKinney, Plano, Prosper, and Allen are home to thousands of employers who added retirement benefits to compete for talent. Many have never had a single conversation about fiduciary exposure. Collin County and Denton County owners are being sued in a federal district shaping national ERISA law, and the plaintiff bar does not need a whistleblower to find them. Your Form 5500 is a public record.</p><p><br></p><p>Fiduciary liability is the third leg of the management liability stool, alongside Directors and Officers coverage and Employment Practices Liability Insurance. If you watched our recent episodes on D&O and EPLI, this one completes the set.</p><p><br></p><p>ABOUT SCHELL INSURANCE</p><p><br></p><p>Schell Insurance is an independent agency serving Frisco, McKinney, Plano, Prosper, Allen, and the greater Collin and Denton County area. Independence means Schell Insurance shops multiple carriers on your behalf rather than selling one company's answer. That matters in specialty lines like fiduciary liability, where policy language and the interaction with your D&O policy vary dramatically from carrier to carrier.</p><p><br></p><p>The team at Schell Insurance works with Texas business owners across the full range of commercial coverage, and serves North Texas families with home, auto, renters, flood, and personal umbrella coverage.</p><p><br></p><p>If you sponsor a retirement plan or a group health plan, the first step is simple. Find out whether your Directors and Officers policy contains an ERISA exclusion. Most do. Then have someone independent read the fine print with you.</p><p><br></p><p>GET A PERSONALIZED QUOTE</p><p><br></p><p>Phone: (972) 423-4546</p><p>Website: https://schellinsurance.com</p><p><br></p><p>Serving Frisco, McKinney, Plano, Prosper, Allen, Collin County, and Denton County.</p><p><br></p><p>DISCLAIMER</p><p><br></p><p>Insurance Talk Texas is an educational program providing general information about fiduciary liability insurance and ERISA obligations. It is not legal or tax advice. Coverage terms and exclusions vary by carrier and circumstance. Please consult a licensed agent at Schell Insurance regarding your situation.</p><p><br></p><p>Subscribe to Insurance Talk Texas for weekly episodes on the insurance decisions that matter most to Texas families and business owners.</p><p><br></p><p>#FiduciaryLiability #ERISA #401kLawsuit #TexasBusinessInsurance #SchellInsurance #InsuranceTalkTexas #PlanSponsor #ManagementLiability #FriscoTX #McKinneyTX #PlanoTX #CollinCounty #DentonCounty #SmallBusinessTexas #RetirementPlan #FidelityBond #DirectorsAndOfficers #EPLI #FiduciaryDuty #ExcessiveFees #CommercialInsurance #RiskManagement #TexasInsurance #ERISALitigation</p>
July 3, 2026
Directors & Officers Insurance in Texas: Why Small Business Boards Need It | Insurance Talk Texas
<p>Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.</p><p><br></p><p>Think Directors and Officers insurance is only for Fortune 500 companies and Wall Street boardrooms? Think again. In this episode of Insurance Talk Texas, we break down why small businesses actually account for the majority of D&O claims, and why any North Texas company with outside investors, advisory board members, or independent directors needs to understand this coverage before a problem ever shows up.</p><p><br></p><p>We cover what D&O insurance actually protects, how it steps in when a director or officer is sued personally over a business decision, and why this matters just as much for family businesses in Frisco and McKinney as it does for venture-backed startups. We also dig into the Texas Business Organizations Code, specifically Chapter 8, which spells out exactly when a company must, may, or cannot indemnify its directors and officers, and why that legal gap is precisely what D&O insurance is designed to fill.</p><p><br></p><p>Topics covered in this episode include:</p><p><br></p><p>What Directors and Officers insurance is and who it actually protects</p><p>The difference between Side A, Side B, and Side C coverage</p><p>Why small businesses account for roughly 70 percent of all D&O claims</p><p>How Texas Business Organizations Code Chapter 8 governs indemnification of directors and officers</p><p>The difference between duty of care and duty of loyalty under Texas law</p><p>Why nonprofit boards, HOAs, and church boards carry real personal liability exposure</p><p>Why D&O is a claims-made policy and what that means for timing</p><p>Common real-world triggers for D&O claims, including employment disputes</p><p>Why outside investors and board members often require this coverage before joining</p><p>How D&O fits alongside other business insurance as part of a broader risk management strategy</p><p><br></p><p>Whether you're a small business owner in Plano bringing on your first outside investor, a nonprofit leader in Prosper serving on a volunteer board, or a growing company in Allen adding independent directors to help you scale, this episode gives you the plain-language explanation you need to protect the people making decisions for your organization.</p><p><br></p><p>Schell Insurance is an independent insurance agency proudly serving North Texas, including Frisco, McKinney, Plano, Prosper, Allen, and the greater Collin County and Denton County area. As an independent agency, Schell Insurance isn't tied to a single carrier, which means they can shop your business insurance needs across multiple companies to find coverage that actually fits your organization, your industry, and your risk profile.</p><p><br></p><p>If you serve on a board, whether that's a company, a nonprofit, a homeowners association, or a church, it's worth a quick conversation to find out whether that organization has adequate Directors and Officers coverage in place. Don't assume someone else already checked that box.</p><p><br></p><p>Call Schell Insurance today at (972) 423-4546 or visit https://schellinsurance.com to talk through your business insurance needs with a team that understands North Texas.</p><p><br></p><p>Insurance Talk Texas is an educational podcast and video series created in partnership with Schell Insurance, helping North Texas homeowners, drivers, families, and business owners make informed insurance decisions. New episodes cover everything from personal lines to business insurance essentials, always with a Texas-specific lens.</p><p><br></p><p>#InsuranceTalkTexas #SchellInsurance #DirectorsAndOfficersInsurance #DOInsurance #BusinessInsurance #NorthTexas #TexasSmallBusiness #ManagementLiability #FriscoTexas #McKinneyTexas #PlanoTexas #ProsperTexas #AllenTexas #CollinCounty #DentonCounty #SmallBusinessInsurance #NonprofitInsurance #TexasBusiness #BoardOfDirectors #BusinessOwnersInsurance #InsuranceEducation #TexasInsuranceAgent #IndependentInsuranceAgency</p>
47 total episodes available
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Frequently asked questions
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- What is Insurance Talk Texas?
<p><strong>Insurance Talk Texas</strong> is the go-to podcast for anyone looking to understand the ever-changing world of insurance across the Lone Star State. Hosted in partnership with <strong>AR Schell & Son Agency</strong>—Collin County's oldest independent insurance agency, serving Texans since 1930—this show brings expert insights, practical advice, and real-world stories to help individuals, families, and businesses make informed insurance decisions.</p> <p>Each episode breaks down complex topics like auto, home, business, and life insurance into easy-to-understand conversations, while also covering emerging issues like flood coverage, liability protection, and risk management in Texas’s unique climate and economy.</p> <p>Whether you’re a first-time policyholder, a small business owner, or simply curious about how insurance impacts your life, <strong>Insurance Talk Texas</strong> delivers the knowledge you need—with local expertise you can trust.</p> <p>Be sure to visit AR Schell & Son Agency at <a href="https://schellinsurance.com">https://schellinsurance.com</a> for all your Texas insurance needs!</p> - How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
No, this podcast does not typically feature guests.
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