Texas has no state disability program and minimal disability insurance penetration among small business owners. If you're disabled, your income and your business are both exposed from day one.
The gap nobody talks about
Texas business owners operate without state safety nets. The income protection you have is exactly what you've arranged. For most, that's nothing.
Texas has no state disability program. If you become disabled, your income stops the day you stop working. There's no government backstop. Individual DI is the only solution.
Commercial rent in Dallas and Houston, employee payroll, and equipment payments don't pause for a health event. Business overhead expense coverage keeps the business operational while you recover.
Many Texas business owners take distributions rather than salary. Standard income documentation requirements can undercount actual income. We work with carriers who understand self-employed income structures.
Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.
A structured 30-minute conversation that shows you exactly where your financial exposure is — and what it would take to eliminate it. No sales pitch. No pressure. Just a clear picture of where you stand.
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Tell me a bit about your situation and I'll be in touch within 24 hours.
Common questions