Worthen Insurance Group

Time to prepare, and renew that flood insurance! 281-819-6619

Well, here we are. The start of the six-month Atlantic hurricane season. In this post we attempt to give you the information you need about what to expect and how to prepare, without raising your anxiety too much. A little preparation now will go a long way if the worst happens.

https://spacecityweather.com/everything-you-need-to-know-about-2026-atlantic-hurricane-season/

Medicare doesn't have to feel like decoding hieroglyphics. 🤔
Whether you're turning 65, helping a parent figure it out, or just tired of getting mail from "Medicare experts" who somehow know your birthday — we built a page that explains the whole thing in plain English.
Parts A, B, C, D. Medigap vs. Advantage. When you can enroll without getting penalized. All of it, no jargon.
Plus, you'll meet Sean and Hailey, our licensed Medicare agents who actually pick up the phone. 👋

Medicare Made Simple | Worthen Insurance Group Parts A, B, C, D explained without the jargon — plus licensed Medicare agents who'll actually answer your call.

🏢 Do you own a commercial building and rent it out to other businesses?

If so, you need more than just a standard property policy — you need Lessor's Risk insurance.

Here's the gap most commercial landlords don't see until it's too late:

Your tenants' customers walk through YOUR building every day. If one of them slips in a common area, trips in your parking lot, or gets hurt near your entrance — that claim can land on YOU as the property owner.

One Houston-area strip center owner found this out the hard way. A customer slipped on cracked pavement outside a tenant's sandwich shop. The medical bills hit $120,000. He had no Lessor's Risk coverage. His total out-of-pocket cost — legal fees and settlement combined — exceeded $75,000.

His tenants' insurance covered their business. It didn't cover his parking lot.

✅ Lessor's Risk Only (LRO) coverage
✅ Rental income protection
✅ Building ordinance coverage
✅ Flood insurance (critical in Texas)
✅ Umbrella liability

If you own commercial real estate in Texas and lease it to other businesses, let's talk about whether your coverage actually matches your exposure.

📞 281-991-0055
🌐 wortheninsurance.com

https://wortheninsurance.com/lessors_risk/

Lessor's Risk Insurance: What Every Commercial Landlord Needs to Know Commercial landlords face unique liability risks standard policies don't cover. Learn how Lessor's Risk insurance protects your building, tenants, and income.

💰 "How much does cyber insurance cost?" — We get this question all the time.

The honest answer: it depends. But here's what surprises most business owners when they find out...

For many small businesses, a solid cyber insurance policy costs less per month than your phone bill.

What it can cover:
✅ A data breach that exposes your customers' information
✅ A ransomware attack that locks you out of your own systems
✅ Lost revenue while your business is offline
✅ Legal fees and regulatory fines
✅ PR support to protect your reputation

Now compare that to the average cost of a data breach for a small business — which runs into the hundreds of thousands of dollars.

We just published a full breakdown of what drives cyber insurance pricing, what factors affect your rate, and how to make sure you're getting the right coverage for what you actually pay.

👇 Read it at the link and reach out if you'd like a quick quote — no pressure, just answers.

📞 281-991-0055 | wortheninsurance.com

https://wortheninsurance.com/how-much-does-cyber-insurance-cost-for-small-businesses/

How Much Does Cyber Insurance Cost? Cyber insurance for small businesses typically costs $500–$5,000/year. See the 7 factors that affect premiums and practical ways to lower your rate. If you’ve been putting off cyber insurance because you assume it’s expensive, the numbers usually say otherwise. Most small and mid-size business...

🔐 Do you actually know what cyber insurance covers?

Most business owners assume their general liability policy has them covered if something goes digital wrong. It doesn't.

Cyber insurance is its own thing — and understanding what it covers could be the difference between recovering from an attack and closing your doors.

Here's a quick look at what a solid cyber insurance policy actually protects:

✅ Data breaches — notification costs, credit monitoring, and legal fees
✅ Ransomware — extortion payments and system restoration
✅ Business interruption — lost revenue while your systems are down
✅ Legal defense — lawsuits from customers whose data was exposed
✅ PR and crisis response — protecting your reputation after an attack

We just published a full breakdown of what cyber insurance covers, what it doesn't, and how to know if your business has the right protection in place.

👇 Give it a read and let us know if you have questions — we're happy to review your current coverage at no cost.

What does Cyber Insurance Cover? What Does Cyber Insurance Cover? A guide for small businesses: ransomware, data recovery, business interruption, and third-party legal and notification costs. Cyber insurance usually breaks into two buckets: first-party coverage for when your business gets hit, and third-party coverage for when othe...

NOW HIRING (Friendswood, TX): Personal Lines Account Manager
Worthen Insurance Group is hiring an in-office Personal Lines Account Manager in Friendswood.

✅ Apply on Indeed: https://www.indeed.com/job/personal-lines-account-manager-pc-insurance-office-full-time-cd23b6a0c38de538

📩 Or email: [email protected]

If you’re organized, client-focused, and know personal lines (auto/home/wind), we’d love to talk.

Personal Lines Account Manager – P&C Insurance (In-Office, Full-Time) - Friendswood, TX 77546 - Indeed.com Worthen Insurance Group, Inc

🚨 𝐔𝐧𝐝𝐢𝐬𝐜𝐥𝐨𝐬𝐞𝐝 𝐃𝐫𝐢𝐯𝐞𝐫𝐬: 𝐖𝐡𝐲 𝐂𝐚𝐫𝐫𝐢𝐞𝐫𝐬 𝐀𝐫𝐞 𝐒𝐮𝐝𝐝𝐞𝐧𝐥𝐲 𝐀𝐝𝐝𝐢𝐧𝐠 𝐓𝐞𝐞𝐧𝐚𝐠𝐞𝐫𝐬 𝐭𝐨 𝐏𝐨𝐥𝐢𝐜𝐢𝐞𝐬 🚨

If you’ve gotten a notice that your insurance company “added a driver” (usually a teenager) to your auto policy and you’re thinking… wait, what? You’re not alone.

Here’s what’s going on, in plain English.

𝐖𝐡𝐲 𝐜𝐚𝐫𝐫𝐢𝐞𝐫𝐬 𝐚𝐫𝐞 𝐝𝐨𝐢𝐧𝐠 𝐭𝐡𝐢𝐬
Insurance companies are cracking down on 𝐮𝐧𝐝𝐢𝐬𝐜𝐥𝐨𝐬𝐞𝐝 𝐝𝐫𝐢𝐯𝐞𝐫𝐬, especially 𝐭𝐞𝐞𝐧 𝐝𝐫𝐢𝐯𝐞𝐫𝐬 𝐢𝐧 𝐭𝐡𝐞 𝐡𝐨𝐮𝐬𝐞𝐡𝐨𝐥𝐝. From their perspective: if a licensed teen lives at your address, there’s a high chance they’ll drive your vehicles at some point. And 𝐭𝐞𝐞𝐧 𝐚𝐜𝐜𝐢𝐝𝐞𝐧𝐭𝐬 𝐚𝐫𝐞 𝐨𝐧𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐛𝐢𝐠𝐠𝐞𝐬𝐭 (𝐚𝐧𝐝 𝐦𝐨𝐬𝐭 𝐞𝐱𝐩𝐞𝐧𝐬𝐢𝐯𝐞) 𝐜𝐥𝐚𝐢𝐦 𝐜𝐚𝐭𝐞𝐠𝐨𝐫𝐢𝐞𝐬.

So instead of finding out after a crash, carriers are using data reports to identify licensed household members and requiring them to be addressed on the policy.

𝐖𝐡𝐚𝐭 𝐜𝐨𝐮𝐧𝐭𝐬 𝐚𝐬 𝐚𝐧 “𝐮𝐧𝐝𝐢𝐬𝐜𝐥𝐨𝐬𝐞𝐝” 𝐨𝐫 “𝐫𝐞𝐠𝐮𝐥𝐚𝐫” 𝐝𝐫𝐢𝐯𝐞𝐫?
This usually includes anyone who:

* 𝐋𝐢𝐯𝐞𝐬 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐡𝐨𝐮𝐬𝐞𝐡𝐨𝐥𝐝, and
* 𝐈𝐬 𝐥𝐢𝐜𝐞𝐧𝐬𝐞𝐝 (𝐨𝐫 𝐩𝐞𝐫𝐦𝐢𝐭𝐭𝐞𝐝), and
* Could reasonably have access to the vehicle

Even if they “only drive once in a while,” many carriers now treat that as regular use if it’s recurring.

𝐖𝐡𝐲 𝐢𝐭 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 (𝐚 𝐥𝐨𝐭)
Older policies used to be more forgiving with “permissive use.” Now we’re seeing more carriers tighten language so that if there’s a claim and they find a regular household driver wasn’t listed, you could face:

* 𝐂𝐥𝐚𝐢𝐦 𝐝𝐞𝐥𝐚𝐲𝐬
* 𝐑𝐞𝐝𝐮𝐜𝐞𝐝 𝐩𝐚𝐲𝐨𝐮𝐭𝐬
* 𝐂𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐢𝐬𝐬𝐮𝐞𝐬 𝐨𝐫 𝐝𝐞𝐧𝐢𝐚𝐥
* Or even 𝐩𝐨𝐥𝐢𝐜𝐲 𝐜𝐚𝐧𝐜𝐞𝐥𝐥𝐚𝐭𝐢𝐨𝐧/𝐧𝐨𝐧-𝐫𝐞𝐧𝐞𝐰𝐚𝐥

𝐖𝐡𝐚𝐭 𝐲𝐨𝐮 𝐬𝐡𝐨𝐮𝐥𝐝 𝐝𝐨 𝐭𝐨𝐝𝐚𝐲
✅ Pull up your Declarations Page and check the driver list
✅ If you have a teen with a permit/license, tell your agent before the carrier finds them
✅ If a household member truly never drives, ask about an exclusion option (not available everywhere, but worth asking)

If you’ve recently added a teen driver, or you’re about to have one in the house, let’s review your policy before there’s a claim. No pressure, happy to help.

☎️ 281-819-6619
💻www.WorthenInsurance.com

For Clients of Worthen Insurance Group: When Financial Decisions Start to Feel Less Straightforward

For over 20 years, I’ve had the privilege of working with families through Worthen Insurance Group. Over time, I’ve seen many of you reach moments where your financial life becomes more
complicated—an inheritance, a job change with old 401(k)s left behind, retirement coming into view, preparation to sell a business, or simply juggling accounts that no longer feel simple to manage.

During those times, people often tell us they feel responsible for making good decisions but are unsure where to start.

Since 2005, my sister and our agency owner, Angela Johnson, has been helping successful professionals, pre-retirees, and retirees take financial planning and investment management off their plate so they can focus on their career, family, or passions and not spreadsheets.

As a CFP® professional, Angela focuses on bringing clarity and long-term structure to the financial decisions that matter most.

You may not know that Angela is the Founder and Senior Advisor of our sister company, Worthen Financial Advisors, where she specializes in long-term financial planning and investment management.

Many families now work with both teams and appreciate having guidance that stays consistent across their financial life in one location.

If you’ve trusted us to protect your assets, we’d be glad to help you manage them as well.

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Most small business owners think, “We’re too small for hackers to notice.”
But that’s exactly why they target you 👀
Our latest blog breaks down what cyber insurance actually covers—and why every business needs it 💼
Take a look ➜

Worthen Insurance Group What Is Cyber Insurance? A Simple Guide for Small Businesses What Is Cyber Insurance? A Simple Guide for Small Businesses Small businesses are now the top targets for cybercriminals, and one bad click can shut down your entire operation. Cyber insurance helps protect your business from the financial and operational fallout of ransomware, data breaches, and costly downtime. If your company uses technology in any way, th...

Worthen Group Christmas party was a success! Cooking themed gifts and a cooking class at Sur La Table made for a great day to celebrate our Worthen Insurance Group and Worthen Financial Advisors teams who work together to provide excellent customer service the Worthen Way to our clients all year long 🎄🎅🏼❤️. Thank you for your trust in us!