Thumann Agency, Inc.

06/10/2026

Why does one contractor pay $1,000 a year for liability insurance while another pays $10,000?

The answer often comes down to factors such as:

✔ Trade classification
✔ Employee count
✔ Annual payroll
✔ Claims history
✔ Coverage limits
✔ Subcontractor exposure

Contractor liability insurance pricing isn't one-size-fits-all, which is why understanding the factors that drive cost is so important.

In our latest article, we break down Texas contractor liability insurance costs by trade and explain what contractors can do to keep premiums under control. Article in comments.

06/10/2026

Your home deserves protection built for real life in Texas.

From unpredictable weather to rising rebuild costs, having the right homeowners coverage matters more than ever. Thumann Agency helps Dallas homeowners find protection that fits their property, lifestyle, and future.

Because peace of mind starts with knowing you’re properly covered.

06/04/2026

Would your General Liability Insurance cover an employee who gets injured on the job?

Many business owners are surprised to learn that the answer is typically, no.

For example:

🔹 A roofer falls from a ladder

🔹 A warehouse employee injures their back lifting inventory

🔹 A retail employee slips in the stockroom and breaks their wrist

These types of injuries are generally addressed through Workers' Compensation Insurance rather than General Liability Insurance.

Understanding what your insurance covers—and what it doesn't—can help you avoid unexpected coverage gaps.

That's why we put together our latest guide:

📖 7 Things General Liability Insurance Covers (And 5 Things It Doesn't)

Link in comment

06/03/2026

Waiting days for a certificate of insurance shouldn’t slow down your business.

Whether you need a COI for a job site, vendor request, or contract deadline, our team works quickly to help get it handled — often the very same day.

Fast responses. Real support. Coverage that keeps up with your business.

05/29/2026

The cheapest policy isn’t always the best protection.

Many people don’t realize they may have coverage gaps until it’s too late — from outdated home values to missing liability protection and hidden exclusions.

At Thumann Agency, we help clients understand what their policies actually cover before problems happen.

Because good insurance isn’t just about having a policy. It’s about having the right one.

05/25/2026

Insurance shouldn’t feel confusing or overwhelming.

At Thumann Agency, we believe coverage should be simple, clear, and built around real life — whether you’re protecting your home, business, vehicles, or future.

No complicated jargon. No one-size-fits-all policies. Just honest guidance from a local Texas team that’s here when you need us.

05/20/2026

An umbrella insurance policy provides extra liability protection beyond the limits of your existing policies.

If a claim exceeds the limits of your auto, home, or business liability coverage, umbrella insurance may help cover the remaining costs.

For many families and business owners, this additional layer of protection helps safeguard assets from large unexpected claims.

It is designed to provide peace of mind when life’s biggest risks appear. ☂️

05/18/2026

U.S. traffic fatalities are estimated to have hit a 16-year high in 2021, according to the National Highway Traffic Safety Administration NHTSA. Here are some safe driving tips to keep in mind from the recent educational guide on combating distracted driving by the and Cambridge Mobile Telematics:

U.S. traffic fatalities are estimated to have hit a 16-year high in 2021, according to the National Highway Traffic Safety Administration NHTSA. Here are some safe driving tips to keep in mind from the recent educational guide on combating distracted driving by the and Cambridge....

05/17/2026

Imagine a customer slips on a wet floor inside your business and gets injured.

Medical bills start adding up and the customer decides to file a claim.

Would your business insurance help cover the legal costs and potential damages?

Situations like this are why many businesses carry general liability insurance.

What do you think? Would your current coverage protect you in this situation? Let us know in the comments. 🤔

Imagine a customer slips on a wet floor inside your business and gets injured.

Medical bills start adding up and the customer decides to file a claim.

Would your business insurance help cover the legal costs and potential damages?

Situations like this are why many businesses carry general liability insurance.

What do you think? Would your current coverage protect you in this situation? Let us know in the comments. 🤔

05/14/2026

General liability insurance helps protect businesses from common risks that can happen during daily operations.

Typical coverage may include:
• Customer injuries at your location
• Property damage caused to others
• Legal defense costs if your business is sued
• Advertising injury claims

For many businesses in Dallas, general liability insurance is also required before signing contracts or leases.

It is a key layer of protection for businesses of all sizes. 🏢