Business Insurance for Business Owners: Protecting the Company You’ve Built with Russ Sartain

The Moss HR Minute - Test Import

• 23 min

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<a href="https://www.buzzsprout.com/2428592/fan_mail/new" rel="nofollow">Send us Fan Mail</a> The business you worked so hard to build deserves protection that fits it. The right insurance and the right broker can make all the difference when the unexpected happens. In this episode of The Moss HR Minute, Nicole Moss, Co-Founder of Moss Consulting HR Services, sits down with Russ Sartain, who leads Howden's growth across Austin, San Antonio, and Central and South Texas. With more than 25 years in insurance, Russ shares what business owners should know about protecting their companies, how claims work, and when to bring their broker into the conversation. From employee claims to acquisitions, Russ explains why a trusted broker relationship, clear communication, and coverage tailored to your business are key to staying protected as you grow. Key topics discussed in this episode: <ul> <li>Why hard-to-place risks and claims are where "the rubber meets the road" in business insurance</li> <li>How an employee complaint or lawsuit becomes an employment practices liability (EPLI) claim, and what the broker does next</li> <li>Why you should notify your broker as soon as something could turn into a claim</li> <li>How deductibles work when a claim is settled, and why the details depend on how your policy is written</li> <li>Why the right coverage matters as much as the cost</li> <li>Why every business has a different risk profile, even within the same industry</li> <li>The questions to ask your broker, and the value of a creative, tailored approach</li> <li>The business changes your broker needs to know about, from rapid hiring to new lines of business</li> <li>How your broker can help review another company's insurance and claims before an acquisition</li> <li>How Russ gets to know a new client's business, risk tolerance, and communication preferences</li> </ul> This episode is essential listening for business owners who are growing, hiring, considering an acquisition, or simply want to make sure the business they built is protected. Connect with Russ Sartain: Email: russ.sartain@howdengroup.com Website: <a href="https://howdengroup.com" rel="nofollow">https://howdengroup.com</a> Book time with Nicole to talk about your HR needs: <a href="https://mossconsulting.com/book-a-free-consultation" rel="nofollow">https://mossconsulting.com/book-a-free-consultation</a> Learn more about Moss Consulting HR Services: <a href="https://www.mossconsulting.com/" rel="nofollow">https://www.mossconsulting.com</a> Follow the show: <a href="https://www.instagram.com/themosshrminute/" rel="nofollow">https://www.instagram.com/themosshrminute/</a>