About Eric Hernandez

Learn about Eric's consultative risk management philosophy and his dedication to North Texas community philanthropy.

Eric Hernandez - Risk Advisor

Eric Hernandez

Risk Advisor | Patterson & Associates

A Client-Centric Consultative Advisor

Eric Hernandez entered the insurance industry in 2012, starting his career as an agent with State Farm. During these foundational years, he developed a deep understanding of core risk parameters, underwriting guidelines, and the vital role communication plays in serving clients.

Recognizing that business owners require more than off-the-shelf policies, Eric transitioned to Patterson & Associates Insurance to operate as a specialized Property & Casualty Risk Advisor. Here, he has built a reputation for acting as a forensic auditor of insurance contracts.

Rather than simply comparing premiums, Eric conducts thorough risk analyses of operations, property structures, and contracts. He uncovers hidden gaps in commercial coverage, such as missing endorsements, inadequate liability limits, or misclassified workers. His goal is simple: when a loss occurs, his clients have a policy that pays out, ensuring they say: "Bingo! We are covered."

Core Competencies & Focus Areas:

  • Commercial Construction & Bonds
  • Cyber & Digital Liability
  • Commercial Property & Inland Marine
  • High-Value Personal Asset Portfolios
  • Group Employee Health & Benefits
  • Risk Exposures Forensic Audits

Eric Hernandez Philanthropy

Investing time, leadership, and resources to empower small businesses and families across North Texas.

SAM

SAM Executive Board

Eric served as the President and Membership Chairperson of the Subcontractors Association of the Metroplex (SAM). In these roles, he fought to ensure local construction contractors and trade business owners had access to education, fair contract guidelines, and networking groups to grow their companies.

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Youth Sports Partnerships

Believing that youth athletic programs teach leadership, discipline, and teamwork, Eric sponsors local DFW youth baseball, soccer, and football organizations. His funding helps provide team equipment, safe playing spaces, and registration scholarship assistance for local families.

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Local DFW Outreach

Eric is actively involved in community food distributions, holiday toy drives, and educational charity events in North Texas. He volunteers his personal time and risk assessment skills to help local non-profits structure safe, compliant, and impactful outreach programs.

Do You Represent a Local DFW Charity or Youth League?

Eric is always looking for new ways to support and give back to North Texas. If your charity, non-profit, or youth program needs sponsorships or volunteers, please get in touch with us today.

Connect for Sponsorship

How Eric Hernandez Protects You

We partner with the nation's leading P&C carriers through Patterson & Associates to secure your future.

Commercial Lines & Risk Advisory

For business owners, contract compliance, employee safety, and asset protection are critical to survival. Eric works directly with executives to conduct operation audits, reviewing previous claims history and current liabilities to build a robust safety net.

  • • General & Excess Liability
  • • Builder's Risk & Contractors
  • • Commercial Auto & Fleet
  • • Directors & Officers (D&O)
  • • Professional Liability / E&O
  • • Cyber Risk & Data Breach
Commercial Risk Analysis
Contract Audits Checked 47 / 47
Workers' Comp Class Codes Verified
General Liability Gap Scan 0 Issues Found
EMR Mod Rating Progress 1.4 → 0.8 EMR

Personal Lines & Family Wealth

Your home, automobiles, and personal properties represent years of hard work. Eric helps families review their personal portfolios to verify that high-value assets are properly valued and that umbrella liability protects their retirement savings.

  • • High-Value Homeowners
  • • Automobile Coverage
  • • Personal Umbrella Liability
  • • Watercraft, Boats & Jet Skis
  • • Jewelry, Art & Collectibles
  • • Secondary & Rental Homes
Asset Wealth Exposure Audit
Primary Residence Replacement $1.2M Valued
Umbrella Liability Limit $2.0M Active
Auto Liability Coverage Gap No Gaps
Portfolio Security Index 100% Secured

Group Employee Benefits

A great benefits package keeps your team motivated and healthy. Eric evaluates group size, demographics, and corporate budget targets to design benefit structures that maximize value and streamline annual enrollments.

  • • Group Medical Insurance
  • • Dental & Vision Plans
  • • Short & Long Term Disability
  • • Group Term Life
  • • Voluntary Benefits Programs
  • • ACA Compliance Consulting
Employee Benefits Dashboard
Staff Medical Participation 98% Enrolled
Cost Optimization Ratio Premium Save (18%)
Dental & Vision Options HMO / PPO / HSA
Annual Enrollment Compliance Compliant

Protect Your Business & Legacy

Work directly with a Risk Advisor who understands the details of your industry and is committed to your community. Request a consultation with Eric Hernandez.

Book Consultation E-mail: Eric@piainsure.com