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HG Risk Solutions

Texas built risk advisory helping businesses navigate insurance with clarity and strategy.

06/15/2026

Texas commercial real estate is dealing with something brokers don't always want to say out loud:

Standard carriers are pulling back. Non-renewals are up. And property replacement costs have increased 30–40% in some Texas markets since 2022. Meaning a policy written two years ago may be meaningfully underinsuring what you actually own.

If your current broker isn't giving you:
— A current replacement cost analysis
— A carrier alternatives comparison
— An E&S market option when admitted lines tighten
..you're not getting risk advisory. You're getting renewal processing.

DFW is the #1 CRE market in the U.S. by transaction volume. The advisory need is acute. The gap between what most brokers provide and what this market requires is significant.

We work with Texas CRE owners whose portfolios don't fit neatly in a national broker's preferred submission box. Industrial. Multifamily. Mixed-use. Hard-to-place.

If any of that sounds like your portfolio, let's talk.

🔗 hgrisk.com/industry/commercial-real-estate

06/11/2026

Big brokers like to brag about their retention when a producer walks out the door.

Ask them about Year 2 and Year 3.

Year 1, sure, everybody gets a shot. The inertia holds.

By Year 3, that account is somewhere else. It's one of the most predictable patterns in this industry.

Which is exactly why clients should care about who's actually advising them, not just which logo sits on the letterhead.

Senior advisors stay. At HG Risk, that's the whole model.

06/09/2026

The most dangerous place in commercial insurance is comfortable.

If you haven't had a major claim, you assume your coverage is working. If your broker calls at renewal and the number comes back reasonable, you renew. Comfortable.

But the untested policy isn't proof that it's right. And the broker who doesn't call between renewals isn't evidence you don't need advice, it's evidence you're not getting any.

The Texas market has changed significantly in the last 36 months. Carriers have repriced, restricted, and non-renewed. "Fine" last cycle doesn't mean fine this one.

We do a complimentary portfolio review for mid-market Texas businesses. No agenda except clarity.

🔗 hgrisk.com

06/05/2026

Mid-market companies with a dedicated senior risk advisor report up to 23% fewer uninsured or underinsured claim events, and renew 18% more efficiently on total cost of risk over a 3-year horizon. (Conning 2025 Middle Market Risk Study)

That gap doesn't come from finding a cheaper policy. It comes from having an advisor who knows your business well enough to find the holes before a carrier does.

At HG Risk, that advisor is Justin. Directly. Every time.

Serving mid-market Texas businesses
🔗 hgrisk.com

06/02/2026

What does a real renewal strategy look like?

Year One: We attack the whole thing. Full market review, full due diligence, full transparency.

Year Two: We pick up the pockets. Leverage coverage to negotiate a line down. Explore a higher deductible. Something moves.

Year Three: Something new again. Always.

If your broker is sending the same policy with a price change every year, that's not strategy. That's paperwork.

05/22/2026

HG Risk Solutions is a Texas-based commercial risk management and insurance advisory firm built for complex businesses and high-stakes decisions.

We help organizations identify, manage, and transfer risk with strategies fully customized to real-world business operations. We do not sell off-the-shelf programs.

We work alongside leadership teams to ask better questions, design smarter protection, and provide guidance that holds up when it matters most.

05/19/2026

When our founder Justin Tatum left a 500-person office to start HG Risk, he put it simply:

"I haven't had a bad day since I left."

Not because problems stopped showing up, they still do. Because now, there's no six-month wait on a decision from someone with no context on the account or the client.

That's the difference between a firm built around process and a firm built around people.

It's what our clients feel when they call. It's what our producers feel when they need an answer.

And it's why we built HG Risk.

05/18/2026

Uncertainty is inevitable. Being unprepared is not. We help organizations establish a clear, durable risk foundation that supports growth, withstands disruption, and performs when conditions change. Our work is designed to hold steady when it matters most.

Start a smarter risk conversation. Visit HGRisk.com

05/13/2026

A question most Texas business owners have never thought to ask their broker:
Are you showing me every carrier that fits my risk — or just the ones that pay you the most on the back end?

Back-end compensation is common in this industry. Transparency about it isn't.

We built HG Risk to put the client's interest first. That means fewer blind commitments, more flexibility, and a clearer view of what you're actually buying.

That's the difference between a transactional broker and a strategic partner.

Address

14330 Midway Road
Farmers Branch, TX
75244

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