Business

Business Insurance

Trucking / Transportation

We offer a full range of affordable truck insurance for owner/operators and fleets. As commercial truck insurance specialists, we have experience working with trucking operations of all types and can provide comprehensive insurance policies with no gaps in coverage. Our mission is to enhance your insurance coverage, reduce your risk and improve your profitability. We will work with you to analyze coverage gaps, identify potential loss exposures and recommend proper limits of liability to protect both property and financial assets.

Contractors

Contractors face unique and often dangerous risks everyday on the job. Whether you're an electrical, excavation or plumbing and HVAC contractor, you know that in a split second accidents can happen. Because every business is different, commercial insurance solutions for contractors can range from a standard policy to a more thorough mix of coverage. The types of contracting business you own - such as janitorial, engineering or building - as well as its size and location will affect the types of insurance you may need. We understand the risks contractors face everyday and have knowledge and markets to meet your varied needs.

Workers Compensation

Texas, unlike other states, does not require an employer to have workers' compensation coverage, which is both a blessing and a curse. By opting not to secure proper insurance coverage, you leave your business at great risk.

If any injury happens to an employee on the job, who is going to pay for medical expenses, loss of wages and legal costs? These costs can be crippling to any business. Luckily, without state mandated coverage, you have options other than work comp. Occupational accident is an affordable alternative that can offer comparable coverage including loss of wages, injury, death benefits and legal expenses.

If you are ready to protect your business from a worse case scenario, we can help you figure out what you need to move forward. Our experts in workers' compensation and occupational accident are standing by ready to help you through the process.

Professional Liability

Professional liability insurance, more commonly known as errors & omissions (E&O), is a form of liability insurance that helps protect professional advice-and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are causes for legal action that would not be covered by a mere general liability insurance policy which addresses more direct forms of harm.

Commercial Property

A complete business property insurance plan is one of the smartest investments you can make in your business. It protects the costly physical assets of your company such as the building, its contents and any outdoor fixtures such as signs and fencing. Savvy business owners know that a fire or severe windstorm can shut down a business for an extended period of time, often leading to a permanent closure. But with a comprehensive business properties insurance plan, you've got support and financial assistance to help you recover quickly.

Service / Retail

Retail, as the saying goes, makes the world go around. Without fine establishments like yours, a feasible economy would be out of the question - not to mention a great place to get the goods we all want and need. By combining three basic insurance coverages (Business liability, business property and business income) that are essential to most businesses including retailers, a Business Owners Policy can help save your small business money on insurance rates while protecting the enterprise you've worked so hard to develop.

Commercial Property

Restaurants / Taverns

You want every meal you serve to be enjoyed. And for each step of the culinary process, from chopping and fire-roasting to the moment your patrons leave with their appetites satisfied, you need the right protection. With coverage tailored to meet the needs of restaurants of all types, we can keep your business and reputation as impressive as the food you serve. Coverage that can be provided include general liability, product liability and liquor liability, as well as building, contents, equipment breakdown and food spoilage/contamination.