We now offer:
• Policy & coverage review
• Loss history & claims review
• Site & safety inspections

Texas Bankers Insurance Agency will take a risk management approach when tailoring a policy for your insurance needs. You might ask, what is the “risk management” approach? Simply stated, Risk Management is the practice of protecting an organization from financial harm by identifying, analyzing and controlling risk and doing this at the lowest cost possible for you.

We will look at four areas of potential sources of risk for your bank.
1. Property: buildings, contents, signs, ATMs, computer equipment, autos.
2. Human Resources: workers compensation for employee injuries and lost wages.
3. Liability: slip and fall hazards, contractual liability.
4. Net Income: fidelity or forgery losses and loss of data or private information.

Once we've reviewed these four areas, we will do an analysis of what risks might face your bank. We will advise you as to the many risk control methods you can use to prevent or reduce the financial harm to your bank. We will help you decide how much of the risk you want to retain yourself and how much you may want to transfer by purchasing insurance.

Finally, we are here to help you maintain a plan of good risk management. As your needs change, we are here to see that the risk management plan you have developed will grow with your bank.