This month, I'm focusing on Texas Bankers Insurance Agency, which has had the privilege of insuring your banks for more than 25 years. TBIA is staffed by four insurance professionals who have more than 100 years of combined insurance experience, which gives them the knowledge and expertise to help bankers with their insurance needs and risk management questions. They include Brien O'Connor, Latresa Powell, Pat Fleming and Yolanda Conant.

Today, more than 250 financial institutions, ranging from the smallest bank in the U.S. to one of the largest state banks with assets of more than $11.5 billion, use TBIA for their insurance needs. TBIA has the ability to provide coverage for just about any exposure your bank may face. Its staff also has the experience and expertise to guide you through the insurance maze.

Products include financial institution bond, directors and officers liability, debit card fraud, commercial package policy, lender placed insurance, mortgage impairment and E&O.

TBIA represents nine ?-rated or better insurance companies: Amtrust, Chubb, CNA, Everest, One Beacon, Hartford, Travelers, Chartis and Finsecure - all names you know and trust. With a multitude of coverage and carrier options, TBIA staff selects the best coverage for your bank, while keeping your costs down.

In addition, TBIA offers risk analysis for banks, looking at your property, human resources, liability and net income. TBIA also provides informational pieces to Texas bankers, such as newsletters, webinars, website information and faceto-face board meetings. In this month's issue of Texas Banking, for example, Latresa Powell has written an article on the dangers of tornadoes, and she provides sound advice for reducing the chance of injury.

There are very few insurance professionals nationwide, let alone in Texas, who specialize solely in insuring financial institutions. We're fortunate to have four in our offices. I hope that when it's time for your next insurance renewal that you will give TBIA the opportunity to give you a quote. With our insurance team you get more than policies; you get expert advice and service.