Shepherd Insurance Group

09/02/2026

A long time customer of ours asked today, “Why does my insurance company care what I have in my yard?”

Sometimes a carrier sends a letter asking that something on the property be repaired, cleaned up, secured or removed. The wording can feel pretty abrupt and in their legal-ease lack any customer service, especially when it jumps quickly to “possible non-renewal.”

The insurance carrier isn't trying to scare anyone or be rude Their real concern is the liability. In insurance, an “attractive nuisance” is a condition or item on a property that could draw someone in, especially a child, and create a risk of injury. More broadly, carriers also look at conditions around a property that may increase the chance of someone getting hurt. That can include things like areas in disrepair, unsecured equipment, damaged structures like playground equipment or other hazards that may not feel dangerous to the homeowner but look different from a liability standpoint.

What should you do if you get one of these "nastygrams" from your carrier? Don't ignore the letter. Send it to us, your local agent. We can help translate what the carrier is asking for, determine whether there is a simple fix, and help you understand your options before it becomes a bigger issue.

Sometimes the letter sounds a lot scarier than the solution actually is!

09/01/2026

“Most of my clients are friends. They’d never sue me.” This is what a new referral partner of mine told me today. He's been operating for several years and built much of his business by helping friends and people he knows. Now that he’s growing, he finally purchased an E&O policy because he’s worried the risk is getting bigger.

I’m glad he bought it. Really glad. That being said, there is something bigger worth talking about here: E&O coverage matters from the beginning, not just when your business takes off.

Professional Liability, or Errors & Omissions insurance, is designed to help when a client claims your advice, your service, your mistake, or missed detail or failure to act caused them financial harm.

Sometimes the hardest claims come from people you know and it isn't because they suddenly become terrible people. It is because money changes things. A friend may love you, trust you, and still be facing a $50,000 loss...At that point, the conversation stops being, “Don’t worry, I know them.” It starts to be, “Who is responsible for this?” Moreover, when your friends do blame you, they expect you to step up.

Growth absolutely increases exposure. More clients, more transactions, more employees, and more complexity generally mean more opportunities for something to go wrong. But your first client can create an E&O claim just as easily as your 500th. I'd almost argue it is more likely to happen in the beginning when you are less adept at stepping over professional landmines.

The time to think about Professional Liability is not when you finally feel big enough to get sued. It’s when you first start giving advice, providing a professional service or making decisions that someone else could rely on financially. Being small doesn’t mean you have no exposure. It may just mean you have less money available to survive the lawsuit.

If you’re building a business around your expertise, E&O should be part of the conversation early, not someday when you “get bigger.” Make it part of your plan from the get-go.

08/31/2026

We are honored to be nominated again this year for best insurance company. You can vote daily until September 4th. Click https://www.votewichitaks.com , go to the Financial tab, then Insurance company and look for Shepherd Insurance Group. We'd love your support!

Vote once per day from August 17 through September 4.

08/27/2026

Another great Wichita Real Producers happy hour. Thank you Jason Bell at Specs Eyewear for being the best host!

08/25/2026

Here’s an insurance nightmare that can happen right here in Wichita...Imagine a fire causes major damage to your house. The good news? You have homeowners insurance. However, your contractor starts putting together the rebuild…and then the city says, essentially, “Not so fast.” Why? Once you start rebuilding, portions of the home may have to meet today’s building codes, not necessarily the standards that were in place when your house was built.

Now imagine discovering that some of those required upgrades aren’t fully covered by the basic policy. Enter Ordinance or Law coverage.

And before you think, “My house isn’t that old,” remember: building codes keep changing. Wichita adopted updated codes again recently. A home does not have to be 75 years old to have something that would be built differently today.

Depending on the loss and the home, code requirements can affect things like electrical systems, structural components, plumbing, roofing and other parts of the rebuild.

The scary part isn’t necessarily losing the house. It’s finding out after the loss that rebuilding it legally costs substantially more than simply replacing what was there.

Ordinance or Law Endorsement is one of those boring little coverage lines nobody wants to talk about until suddenly it is VERY necessary.

Our advice? Take a look at your homeowners policy and see what you have for Ordinance or Law coverage. Better yet, ask your agent what that number would actually mean if you had a major loss. Because “we’ll rebuild your house” and “we’ll rebuild your house to today’s code” are not always the same.

08/24/2026

Do I have to glue them down? What's the trick? 🤣

08/22/2026

Do you always remember to look directly behind you before you back out of your space? Surprisingly, many people don't!

08/21/2026

It was 🔥 🔥 🔥, but we were thrilled to sponsor The client appreciation party for Jessica Holle, Realtor - Holle Homes, Keller Williams Hometown Partners and TurnKey Auction - Keller Williams Hometown Partners at Blast Off Bay. Now let's see who the winner is......

08/20/2026

Crummy pics, but great company. Love networking with investors, flippers, and real estate lovers at the ICT Investors lunch.

As a reminder, we work with dozens of carriers to help our investors get the best coverage and pricing for their particular needs on their investment properties and flips. Happy to help!

08/17/2026

It was our pleasure to sponsor 's National Night out. We are lucky to have such great neighbors who care so much about our community!