Watley Insurance Group

Watley Insurance Group We're here for you as insurance advisors specializing in insurance products across the board.

09/02/2026

Workers comp is optional in Texas — but opting out is a filed status with duties attached, not an absence of obligation. Full episode on the page.

09/01/2026

Texas doesn't license general contractors — no exam, no bond, no license number for anyone
to look up. That doesn't mean nothing is required of you. This one covers what Texas
actually regulates, which cities make you register, why your certificate of insurance is
the only credential you have in Texas, and what legally changes when an employer goes
without workers comp.

Free Texas contractor guide: https://watleyinsurancegroup.com/contractor-insurance/texas

Texas doesn't license general contractors. No exam, no bond, no license number for anyone to look up. A lot of guys hear...
08/30/2026

Texas doesn't license general contractors. No exam, no bond, no license number for anyone to look up. A lot of guys hear that and figure nothing is required of them. Tuesday: what Texas actually does regulate, which cities make you register, and why your certificate of insurance carries more weight in Texas than in any licensing state.

08/29/2026

Here's what actually holds up NEMT credentialing: not the coverage, the paperwork. The broker usually has to be an additional insured on your policy — that's an endorsement your agent files, not a line someone types on a certificate. Your legal entity name has to match. Your address has to match. Coverages the broker asked for have to actually appear. Incomplete files are the most commonly cited delay. Full breakdown on the channel.

08/29/2026

If you run non-emergency medical transport, your state has a minimum insurance requirement — and it's almost never the number that decides whether you get to work. Your broker contract sets its own, and the strictest standard wins. 'What does my state require' is the wrong question. 'What does my broker contract require' is the right one. Broker requirements vary by broker, state, and contract year — confirm against your actual contract. Full breakdown on the channel.

08/28/2026

One coverage NEMT operators often don't expect on the credentialing list: sexual abuse and molestation coverage. Several broker networks require or strongly prefer it, often as a separate endorsement, because the work involves medically vulnerable passengers. It's a coverage-category item — expect it, ask your agent about it, and confirm the requirement in your broker contract. Full breakdown on the channel.

08/28/2026

The gap nobody budgets for in NEMT: your commercial auto policy covers your van. It does not automatically cover your passenger's mobility equipment. A power wheelchair is a serious replacement cost sitting in your van on every single trip. Ask your agent one specific question: how is equipment in my care handled? Full breakdown on the channel.

08/27/2026

Two things that do not work for NEMT: personal auto, and a rideshare or delivery endorsement bolted onto personal auto. Scheduled patient transport is commercial exposure, and broker networks commonly require commercial auto written for it. If your current policy started as a personal policy, that's the first thing to fix. Full breakdown on the channel.

The NEMT gap nobody budgets for — your commercial auto policy covers your vehicle. It does not automatically cover the p...
08/27/2026

The NEMT gap nobody budgets for — your commercial auto policy covers your vehicle. It does not automatically cover the passenger's mobility equipment in your care. A power wheelchair is a serious replacement cost riding in your van on every trip. Full breakdown in this week's video.

08/27/2026

Every NEMT insurance article is a list of limits. Almost none explain that the state floor and the broker requirement are different numbers — and the broker's governs. This week's video covers the hierarchy, the coverage stack, and the certificate mechanics that stall credentialing. Free NEMT credentialing guide: https://watleyinsurancegroup.com/nemt-insurance

Address

905 Francais Drive
Shreveport, LA
71118

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 4pm

Telephone

+13188615910

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