Business insurance
Cover that matches how your business actually operates
Contractors, retail, professional services and light manufacturing across Texas. We place the whole program rather than one policy, so the gaps between policies do not become your problem at claim time.
30+
Years placing Texas commercial cover
A+
Better Business Bureau rating
Same day
Certificates of insurance
One program, not five separate policies
Contractors, retail, professional services and light manufacturing across Texas. We place the whole program rather than one policy at a time, so the gaps between policies do not become your problem at claim time.
General contractors and property managers rarely wait. Certificates of insurance go out the same business day, and additional insured endorsements are checked against the wording in your contract before the job starts rather than after a dispute.
The detail
What the policy does, and where it stops
Typically covered
- General liability for third-party injury and property damage
- Commercial property, including tenant improvements you paid for
- Business interruption while you cannot trade
- Workers’ compensation, with class codes checked against what your crew really does
- Commercial auto and hired / non-owned exposure
- Umbrella limits that sit above the rest of the program
Worth checking closely
- Wind and hail deductibles, often a percentage rather than a flat figure
- Replacement cost versus actual cash value on older roofs and equipment
- Additional insured wording your contracts require
- Professional liability, which general liability never covers
- Cyber and funds-transfer fraud, now the most common small-business loss
- Employment practices cover once you pass a handful of employees
Payroll and receipts drive the premium
If your work changes through the year, tell us. An honest mid-term adjustment costs far less than an audit surprise, and it keeps the policy matched to what you actually do.