Resources for Business Owners During COVID-19

Homepage, News

OPIC understands this is a difficult time for Texans. In particular, the COVID-19 pandemic raises several insurance questions for small business owners. We hope that the following information will help with some of those questions. Insurance The Texas Department of...

How to Reduce Your Wildfire Risk

Auto, Homepage, News, Residential Property

A wildfire is an unplanned fire that burns in a natural area such as a forest, grassland, or prairie. Wildfires are often caused by humans or lightning and can happen anywhere at any time. Wildfire risk increases during periods of little rain and high winds. According...

Know Your Coverage: Roadside Assistance

Auto, Homepage, News

Roadside assistance helps you when your vehicle breaks down. Some companies automatically include this coverage, but it is often an optional coverage that can be added to your auto policy. It is important to understand what roadside assistance coverage you have and...

OPIC’s 2019 Achievements

Auto, Flood, Health, News, Residential Property

OPIC has been working hard for consumers this year, analyzing over 2,100 rules, rates, and policy forms. We are a small, 10-person agency, but we did big things in 2019, saving Texas consumers over $41 million. Here are some of our biggest achievements: Negotiated an...

Understanding PIP vs Med-Pay

Auto, Homepage, News

Personal Injury Protection (PIP) and Medical Payments (Med-Pay) are auto coverages that pay regardless of who is at fault in an accident. While these coverages have some things in common, they are different. Here are some of the key differences: Personal Injury...

What is Surplus Lines Insurance?

Auto, Flood, News, Residential Property

Most property and casualty insurance policies in Texas are sold by insurance companies licensed by the Texas Department of Insurance (TDI). These companies make up what is called the “authorized” or “admitted” market. TDI reviews most of the rates and policies that...