PODCAST · news
Insurance Talk Texas
by AR Schell & Son Agency
Insurance Talk Texas 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 AR Schell & Son Agency—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. 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. Whether you’re a first-time policyholder, a small business owner, or simply curious about how insurance impacts your life, Insurance Talk Texas delivers the knowledge you need—with local expertise you can trust. Be sure to visit AR Sc
Episodes
-
Contractors Pollution Liability Insurance in Texas: Why Your General Liability Policy Won't Cover a Jobsite Spill | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. A hydraulic line fails on a North Texas jobsite. Fluid runs toward a drainage channel. The crew cleans up what they can see, and then…
more -
Contractor Surety Bonds in Texas: Payment and Performance Bonds Explained for North Texas Contractors
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. You just won a public bid in Collin County, and the award letter gives you ten days to deliver a payment bond and a performance bond.…
more -
Is Workers' Comp Required in Texas? Non-Subscriber Risks for North Texas Businesses | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Is workers' compensation required in Texas? For most private employers, the answer is no. Texas is the only state that lets private...
-
Commercial Umbrella Insurance in Texas: Why Nuclear Verdicts Mean North Texas Businesses Need Extra Liability Coverage | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Texas led the nation in nuclear verdicts last year, jury awards exceeding ten million dollars, and North Texas courtrooms have...
-
Does Your Personal Truck Insurance Cover Work? Texas Commercial Auto Insurance Explained | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. If your business owns, rents, or sends employees out in vehicles anywhere in Frisco, McKinney, Plano, Prosper, Allen, or across Collin...
-
Commercial Property Insurance in Texas: What North Texas Business Owners Must Know About Hail Deductibles and Coinsurance
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. On this episode of Insurance Talk Texas, we break down commercial property insurance for business owners across Frisco, McKinney…
more -
Contractors Tools & Equipment Insurance in Texas: Why Your General Liability Won't Cover Stolen Tools
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Texas leads the entire nation in construction equipment theft, accounting for roughly one in four of every reported incident in the...
-
Texas Just Changed the Law on Insurance Cancellations: What Every Homeowner and Driver Must Know
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Did you know Texas insurance companies are now legally required to tell you why they're canceling, declining, or not renewing your…
more -
Builder's Risk Insurance in Texas: The Coverage Every North Texas Construction Project Needs
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Building a new home or breaking ground on a commercial project in North Texas? Before the first materials hit the lot, you need to...
-
Commercial General Liability Insurance in Texas: What Every Business Owner Must Know Before Signing a Contract
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Commercial general liability insurance is the foundation coverage underneath almost every business in Texas, and yet it's one of the...
-
Commercial Crime Insurance in Texas: The Coverage Gap That's Wiping Out Small Businesses
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Your business owner's policy probably doesn't cover the one crime most likely to hit you. In this episode of Insurance Talk Texas,...
-
Key Person Insurance & Buy-Sell Agreements: Protect Your Texas Business When an Owner Is Gone
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. What actually happens to your business if a co-owner or key employee is suddenly gone tomorrow? For thousands of family-owned…
more -
Cyber Liability Insurance for Texas Small Businesses: What You're Not Covered For | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Think your business is too small to be a cyberattack target? Think again. In this episode of Insurance Talk Texas, we break down cyber...
-
Your 401(k) Could Cost You Your House | Fiduciary Liability Insurance Texas Business Owners Need
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. 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…
more -
Directors & Officers Insurance in Texas: Why Small Business Boards Need It | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Think Directors and Officers insurance is only for Fortune 500 companies and Wall Street boardrooms? Think again. In this episode of...
-
Too Small to Get Sued? Why Texas Businesses Need EPLI in 2026
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Think your North Texas business is too small to face an employee lawsuit? Since September 2021, that assumption could cost you...
-
Texas Professional Liability Insurance Explained: What E&O Covers
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. If you run a service or advice-based business in North Texas, there's one coverage gap that can quietly put everything you've built at...
-
Texas Business Owners Policy Explained: The One Insurance Most Small Businesses Get Wrong (BOP Coverage Guide)
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Most Texas small business owners think they're covered. Far too many find out they're not until a customer slips, a fire breaks out…
more -
Texas Workers' Comp: The #1 Mistake Small Business Owners Make (You Can Legally Skip It — But Should You?)
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Did you know Texas is the ONLY state in the country where most private employers can legally choose NOT to carry workers' compensation...
-
Does Your Business Vehicle Have the Right Insurance? What Texas Small Business Owners Must Know | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Are you a North Texas business owner driving a work truck, van, or company vehicle? There is a coverage gap that quietly threatens...
-
Renters Insurance in Texas: What Your Landlord Requires & The #1 Coverage Gap
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. It's lease season across North Texas, and if you've just signed at an apartment in Frisco, McKinney, Plano, Prosper, or Allen, there's…
more -
Business Interruption Insurance Texas: What North Texas Business Owners Must Know After the 2026 Storms
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. After the late April 2026 storms that produced EF-2 and EF-3 tornadoes across North Texas, baseball-sized hail, and a gubernatorial...
-
Texas Pool Owners: The Insurance Mistake That Could Cost You Everything
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Got a backyard pool in Frisco, McKinney, Plano, Prosper, Allen, or anywhere across Collin or Denton County? This week's episode of...
-
Adding a Teen Driver to Your Insurance? 5 Discount Strategies Texas Families Need to Know
Adding a Teen Driver to Your Insurance? 5 Discount Strategies Texas Families Need to Know | Insurance Talk Texas Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Adding a teen driver…
more -
Cyber Insurance for Small Business: Why Every North Texas Owner Needs It NOW | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Cyber Insurance for Small Business: Why Every North Texas Owner Needs It Now | Insurance Talk Texas Is your small business protected...
-
Home Inventory: What North Texas Homeowners Must Know Before a Major Loss | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. What happens if your home is destroyed by fire, a tornado, or a catastrophic storm — and you can't prove what you owned? In this…
more -
After the Storm: What North Texas Homeowners Must Know About Hail Claims, Deductibles & Contractor Fraud | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. The storm has cleared — now what? Most North Texas homeowners know that spring means hail and wind. But what happens in the hours and...
-
Distracted Driving & Your Auto Insurance: What Every Texas Driver Must Know | Insurance Talk Texas
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. April is Distracted Driving Awareness Month — and if you're behind the wheel anywhere in North Texas, this episode is one you…
more -
3 New Texas Insurance Laws in 2026 That Every Homeowner and Driver Needs to Know
DESCRIPTION: Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Did you know the Texas Legislature quietly handed every homeowner and driver in the state three powerful new rights at…
more -
The "Full Coverage" Myth: What Your Texas Auto Insurance Actually Covers (And What It Doesn't)
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Almost every driver in Texas says they have "full coverage" — but almost none of them know exactly what that means. In this episode of...
-
Your Homeowners Insurance Doesn't Cover Floods — What North Texas Homeowners Must Know in 2026
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. North Texas just got a wake-up call. Flash flood warnings struck Dallas, Tarrant, and Rockwall counties on March 4, 2026 — and with...
-
Texas Umbrella Insurance Explained: Why North Texas Families Need This Coverage NOW (2026)
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Are you a North Texas homeowner, driver, or parent of a teen driver who thinks your home and auto insurance is enough? Think again. In...
-
Spring Storm Season 2026: The North Texas Insurance Checklist Every Homeowner NEEDS Before Hail Hits
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. Spring storm season starts in March and North Texas homeowners need to be ready NOW. In this episode of Insurance Talk Texas, we break...
-
🚨 DEADLINE MONDAY: The New 2026 HIPAA Privacy Reset Explained | Insurance Talk Texas
Description: Are your company’s health privacy notices legal? You have until February 16, 2026, to comply with a major federal update. In this 9-minute episode, the team at Schell Insurance breaks down the urgent HIPAA changes regarding Substance Use Disorder (SUD) records and what every Texas...
-
TEXAS AUTO LIMITS HIKE! 🚨 HB 4178 Explained + New 2026 Building Codes | Insurance Talk Texas
Visit https://schellinsurance.com or call 972-423-4546 for a quote Is your Texas auto insurance policy officially "outdated"? Welcome back to Insurance Talk Texas, the podcast dedicated to keeping Lone Star residents protected and informed. In this week’s deep-dive episode, we are breaking down a...
-
Insurance Talk Texas - Arctic Blast 2026: What You Need to Know NOW
A historic winter storm is hitting Texas RIGHT NOW, and your insurance coverage could make all the difference. In this emergency episode, we break down everything Texans need to know about protecting their homes, cars, and businesses during this unprecedented weather event. What We Cover: ✅ Does...
-
NEW Texas Insurance Law 2026: Why Your Insurer MUST Now Explain Policy Cancellations (HB 2067)
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. A groundbreaking new Texas law just took effect January 1, 2026, and it's changing everything about how insurance companies…
more -
Texas Insurance Rate Shock 2026: What's Behind Your Premium Increases and How to Fight Back
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Texas families are experiencing an unprecedented insurance affordability crisis in 2026 as auto, homeowners, and health insurance...
-
2026 Texas Insurance Rate Increases - What Changed January 1st? Auto, Home & Health Insurance Explained
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Texas insurance rates just experienced massive increases on January 1, 2026, leaving thousands of families wondering why their premiums...
-
Texas Insurance Topics to Consider in 2026 | SchellInsurance.com
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Texas insurance is changing dramatically in 2026, and this episode covers everything you need to know about health insurance premium...
-
Region-Specific Insurance Concerns Across Texas | SchellInsurance.com
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Texas insurance challenges vary dramatically by region. What you need in Houston is completely different from Dallas-Fort Worth, the...
-
Texas Business Insurance: Workers Comp, Coverage Gaps & What Every TX Business Owner Must Know in 2025
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Running a business in Texas comes with unique insurance challenges that don't exist in any other state. This comprehensive guide breaks...
-
Texas Homeowners Insurance CRISIS: What Every Texan Must Know in 2025 | Costs, Coverage Gaps & Solutions
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Texas homeowners are facing an unprecedented insurance crisis. With premiums up 54% since 2019 and four major insurers leaving the…
more -
Texas Homeowners Insurance CRISIS: What Every Texan Must Know in 2025 | Costs, Coverage Gaps & Solutions
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Texas homeowners are facing an unprecedented insurance crisis. With premiums up 54% since 2019 and four major insurers leaving the…
more -
2025 Year-End Insurance Review: Texas Homeowners & Drivers MUST Do This Before December 31st
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions. As 2025 comes to a close, Texas homeowners and drivers face an unprecedented insurance crisis that demands immediate attention. With...
-
Frisco TX Business Insurance Guide: What Every Frisco Entrepreneur MUST Know in 2025 - Schellinsurance.com
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Frisco, Texas is experiencing explosive business growth with 282 active startups, three Fortune 500 corporate headquarters relocations…
more -
Denton County Homeowners Insurance: HO-3 vs HO-B Coverage Explained | Schellinsurance.com
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com/service-areas/denton-county to learn more about their comprehensive insurance solutions Protect Your Denton County Home with the Right Insurance Coverage! If you own a home anywhere in Denton...
-
Collin County TX Life Insurance 2025: Secure Your Family's Future | Schellinsurance.com
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions 👨👩👧👦 Collin County Life Insurance: Complete Family Protection Guide Welcome to Insurance Talk Texas! In this final episode of…
more -
Prosper TX Business Insurance 2025: Protect Your Business in Texas's Fastest Growing City | Schellinsurance.com
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions 🏢 Prosper Business Insurance: Complete Protection for Texas's Entrepreneurial Boom Welcome to Insurance Talk Texas! In this episode,...
-
Frisco TX Auto Insurance 2025: Protect Yourself on America's Fastest Growing Roads | Schellinsurance.com
Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions 🚗 Frisco Auto Insurance: Your Complete Protection Guide for Texas's Fastest Growing City Welcome to Insurance Talk Texas! In this...
We're indexing this podcast's transcripts for the first time — this can take a minute or two. We'll show results as soon as they're ready.
No matches for "" in this podcast's transcripts.
No topics indexed yet for this podcast.
Loading reviews...
ABOUT THIS SHOW
Insurance Talk Texas 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 AR Schell & Son Agency—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.
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.
Whether you’re a first-time policyholder, a small business owner, or simply curious about how insurance impacts your life, Insurance Talk Texas delivers the knowledge you need—with local expertise you can trust.
Be sure to visit AR Sc
HOSTED BY
AR Schell & Son Agency
Loading similar podcasts...
Frequently Asked Questions
How many episodes does Insurance Talk Texas have?
Insurance Talk Texas currently has 59 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Insurance Talk Texas about?
Insurance Talk Texas 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 AR Schell & Son Agency—Collin County's oldest independent insurance agency, serving Texans since 1930—this show brings expert...
How often does Insurance Talk Texas release new episodes?
Insurance Talk Texas has 59 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Insurance Talk Texas?
You can listen to Insurance Talk Texas on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Insurance Talk Texas?
Insurance Talk Texas is created and hosted by AR Schell & Son Agency.
URL copied to clipboard!