ANALYZE THIS! Accident Prevention & Mitigation

Safety & Loss Control

By: Pedro Mercado, CSHO, SHEP, COSM, CLCS, CRIS, CSSGB, VP of HSE and Risk Management


Accident prevention and mitigation

Faces of IBTX: Denise Stahl


San Antonio, TX – Receptionist / Director of First Impressions

One of our longest-tenured employees, Denise has been with the agency since 1993.  She is the person behind that friendly voice you hear when calling our main phone lines or visiting our San Antonio office.  Her fantastic client customer service is the forefront of her duties, but she is also a great team resource.

Life Insurance Policy Audit – Are you paying too much?


By: Drew Watson, Risk Advisor, Wealth Management Services

Given that life insurance is a financial product, it should be managed accordingly and periodically evaluated against current market rates.  We have seen declining interest rates over recent decades that have caused significant underperformance of permanent life policies.  As a result, these policies are underfunded and now require increased premium to keep the policies in force. 

Faces of IBTX: Wendy Rhoden


Wendy Rhoden has been with IBTX since 2014 and has proven to be a valuable asset.  As an Account Executive in the commercial property and casualty department in our Irving office, she supports the IBTX team in both a sales and service role.  She considers herself a Customer Relationship Manager by effectively communicating and educating our clients regarding their insurance and business needs and discussing how they can be enhanced and improved upon with IBTX’s services and solutions.

IBTX Strengthens Benefits Team with Newest Team Member: April Bruce



SAN ANTONIO, TX - As an Aflac Representative, April Bruce is IBTX’s new in-house Integrated Benefits Specialist facilitating the voluntary benefits for IBTX clients by working cohesively with all team members to help develop and customize the best products and packages to offer each unique business model.

Federal Judge Blocks New Overtime Rule Scheduled to Take Effect December 1



On November 22, 2016, a federal judge issued a preliminary injunction postponing the implementation of the new Department of Labor overtime rules that were scheduled to take effect December 1, 2016. The rules would require overtime for many white collar workers.

Are you at Risk of a Data Breach?


Who is the main target?

Have you ever considered your risk for a data breach?  If you think it’s a crisis that is rare in your industry or organizational size, you may want to re-evaluate the multitude of venues for a cyber or data breach to occur. According to the Symantec 2016 Internet Security Threat Report, construction, manufacturing, transportation & public utilities, finance, and wholesale trade were among the top 10 sectors breached by the number of identities exposed.

Texas Mutual Dividend Notification


IBTX is excited to share the news about the success our clients have had as we work together to improve worksite safety.  The IBTX Enterprise Risk Management Services is a tremendous resource for our clients in reducing job-related injuries, enabling a more productive workforce, and ultimately assisting in a more improved bottom line.  That is one of the many ways in which IBTX is helping clients become EMPOWERED.


OSHA’s New Enforcement and Inspection Protocol FY 2016


Written by: Antonio Arzate, IBTX Safety & Loss Control Consultant

The need-to-know on changes to OSHA’s onsite inspections

Life Insurance: More than Just Family Protection


Life insurance’s primary purpose is widely known. It can help ensure your family is okay financially if you die, but life insurance also has less publicized uses. It can help with estate planning, keep a business running, create more options for charitable giving and even help with long-term care expenses.