Shawn Woods, Agent With Morgan Insurance

10/16/2026

🚨 BUSINESS OWNERS: Did you know your workplace safety record could be costing you MORE in insurance premiums? 💰

When it comes to Workers' Compensation insurance, there's something called an Experience Modification Rate (E-Mod), and it can have a big impact on what your business pays for coverage!

📊 Here's how it works:

Your E-Mod compares your business's workers' compensation claims history to that of similar businesses in your industry.

✅ Below 1.00 - A better than expected claims history that can help lower your premiums.

➖ At 1.00 - Your claims experience is in line with expectations.

❌ Above 1.00 - Higher than expected claims that can increase your premiums.

💡 Here's an example: If your base Workers' Comp premium is $20,000 and your E-Mod is 1.20, that could mean paying $24,000 instead - a $4,000 difference!

And here's something many business owners don't realize: Multiple smaller claims can sometimes impact your E-Mod more than one large claim!

The good news? Being proactive about workplace safety, employee training, and claims management can make a difference over time.

📣 As an insurance agent, my goal isn't just to help you find coverage - it's to help you understand your insurance, protect your business, and identify opportunities to manage costs.

Whether you're a contractor, own a small business, or manage a growing company, understanding your Workers' Comp coverage is important!

📩 Not sure how your business measures up or whether you have the right coverage? Let's talk! I'd be happy to help you review your business insurance needs.

👇 Great information from Travelers Insurance:

https://www.travelers.com/resources/business-topics/workplace-safety/e-mod-benchmarking



Morgan Insurance Agency

Learn how experience modification rate influences workers compensation premiums and safety benchmarking. Reduce risk with Travelers insights.

10/13/2026

Proud to partner with Jeff Horn, Jason Haskins and Jonathan Still for the 29th Annual Blueberry Golf Bash at Woodland Hills Golf Course!

It was a beautiful day for golf, friendly competition, and supporting the Nacogdoches County Chamber of Commerce! ☀️ ⛳ 🏌️



Morgan Insurance Agency

10/09/2026

⛳ A great day on the green!

Congrats to Jeff Horn, Mitch Ashley, myself, and Jason Haskins on bringing home 3rd place at the 4th Annual SCES Classic Golf Tournament! 🏆 👏

Beautiful weather, great company, and a little friendly competition made for a fantastic day on the course - all while supporting education and making a difference in our community! 🎉

St. Cyprian's Episcopal School
Morgan Insurance Agency

10/07/2026

Your business isn’t one size fits all. Your insurance shouldn’t be either.

Let’s talk about your business and what you need to protect.

📞 936-634-7755
📧 [email protected]

Morgan Insurance Agency

09/30/2026

When it comes to insurance, having options matters. 🙌

I’m proud to be part of an independent insurance agency. That means we’re not tied to just one insurance company. We have access to multiple markets and can shop your insurance needs to help find the coverage that fits you, your family, or your business.

Whether you’re looking for:
🏡 Personal Insurance - Home, Auto, Umbrella & more
🏢 Business Insurance - From small businesses to larger commercial insurance needs
❤️ Life, Health & Group Benefits - Individual Life & Health, Group Health Insurance, Employee Benefits & more

Instead of calling around to multiple companies yourself, let us do the shopping for you. With access to multiple insurance carriers, we can compare options and help you find the right combination of coverage and value for your needs.

If it’s been a while since your personal or business policies have been reviewed, I’d be happy to see what options may be available.

One call. Multiple markets. More options.

📞 936.634.7755
📧 [email protected]

Let Morgan Insurance Agency go to work for you!

09/23/2026

A big shoutout to the Berkley Southwest team for the hospitality! Thank you for inviting the Morgan Insurance Agency team to some great events and welcoming us into your home office for a tour. We had a lot of fun and enjoyed getting to know your team better.

Strong partnerships make a difference in this business. We appreciate your responsiveness, the care you put into serving our clients, and the relationship we’ve built together. Looking forward to what’s ahead!

09/22/2026

Business owners: Your liability limits might look like plenty… until they aren’t. ☂️

You’ve worked hard to build your business. You have commercial insurance in place to protect it - but have you thought about what happens if a major liability claim exceeds the limits of your policy?

That’s where a Commercial Umbrella policy can come in.

A commercial umbrella can provide an additional layer of liability protection above certain underlying policies. So when a serious accident, injury, or lawsuit results in a claim that goes beyond your underlying liability limits, an umbrella may help protect your business from having to absorb those additional covered costs.

And here’s the important part: You don’t have to own a huge company to have a huge claim.

If you own a business and don’t currently have a Commercial Umbrella policy, let’s talk. I’d be happy to review your current coverage, explain how an umbrella works, and help you decide whether it makes sense for your business.

📲 Message me or give me a call for a quote.
📧[email protected]
📞936.634.7755
Morgan Insurance Agency

09/15/2026

Your employees are one of your business’s greatest assets. Protecting them means protecting your business, too. 👷‍♂️🛠️

Workers’ Compensation insurance can help provide coverage when an employee is injured on the job, including medical expenses and a portion of lost wages, while also helping protect your business from the financial impact of a workplace injury.

And when you work with an independent insurance agency, you have options. We can shop multiple insurance carriers to help find coverage that fits your business, your employees, and your budget.

Whether you have a construction crew, retail shop, office, restaurant, service business, or something in between, we’re here to help you understand your Workers’ Comp options.

Let’s make sure the people who keep your business moving forward are protected. Contact us today for a Workers’ Compensation quote.
📞 936.634.7755

Morgan Insurance Agency

09/11/2026

So proud to see my friend, Ty Shafer, turning an amazing idea into reality! Congratulations on this exciting new chapter. 🎉 I can't wait to watch REC + RELAX grow and become a place where the Lufkin community can gather, connect, and make memories. Wishing you all the success in the world and looking forward to opening day! 🙌🎯🏌️‍♂️🍔🎈

09/09/2026

💡 Think life insurance is too expensive? You might be surprised.

A recent Insurance Barometer Study found that people tend to overestimate the cost of life insurance by about 3X!

If cost has been the reason you’ve put off getting coverage, now might be a good time to take another look. Life insurance may be more affordable than you think...and having the right policy in place can help protect the people who matter most. ❤️

Not sure how much coverage you need or what it might cost? That’s what we’re here for!

📲 Give us a call or send us a message, and we’ll be happy to put together a quote and help you find coverage that fits your needs and budget.

Or, get started online and see what life insurance could look like for you:
https://www.lifeinsurancesimply.com/morgan-insurance

Don’t let what you think life insurance costs keep you from protecting the people you love.

Morgan Insurance Agency