Services

Commercial Coverages We Place

We arrange the core and specialty policies most commercial businesses need — with particular attention to the risks common in hospitality, restaurants, automotive, and contracting.

Commercial Property

Protects buildings, business personal property, equipment, and business income against covered causes of loss. Essential for owners and tenants alike.

  • Building & contents
  • Business income / extra expense
  • Equipment breakdown
  • Ordinance or law

General Liability

Covers third-party claims for bodily injury, property damage, and personal & advertising injury arising from your operations, products, or premises.

  • Premises & operations
  • Products / completed operations
  • Personal & advertising injury
  • Medical payments

Workers’ Compensation

Statutory benefits for employees injured on the job, plus employer’s liability coverage. Critical for compliance and employee protection in Texas.

  • Medical & indemnity benefits
  • Employer’s liability
  • Experience modification support
  • Safety & claims guidance

Umbrella / Excess Liability

Provides additional limits above your primary general liability, auto, and employers liability policies. Important protection against large verdicts and settlements.

  • Higher aggregate limits
  • Follow-form or broader coverage
  • Common for contracts & lenders
  • Customizable attachment points

EPLI

Employment Practices Liability Insurance responds to claims of wrongful termination, discrimination, harassment, and other employment-related allegations.

  • Discrimination & harassment
  • Wrongful termination
  • Retaliation claims
  • Defense costs coverage

Builders Risk

Covers buildings and materials while under construction or major renovation. Often required by lenders and project owners.

  • Materials & labor on site
  • Soft costs & delay options
  • Temporary structures
  • Project-specific or annual

Need a coverage we haven’t listed, or a package for a specific industry?

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