Commercial Insurance
Commercial Property Insurance
Your building, equipment, inventory, and physical assets are the backbone of your operation. Commercial property insurance protects them from fire, theft, storm damage, vandalism, and other covered losses. If something happens, you stay in business.
General Liability Insurance
A customer gets hurt on your premises. A contractor accidentally damages a client's property. Someone files a lawsuit you weren't expecting. General liability insurance covers bodily injury, property damage, and legal costs — protecting your business from the kind of claim that can derail everything.
Business Owner's Insurance
For small and mid-sized Texas businesses, a Business Owner's Policy is often the smartest starting point. It bundles commercial property and general liability into one policy — simpler to manage, typically more affordable, and easy to expand as your business grows.
Lessor's Risk Insurance
Own commercial property in the DFW area or elsewhere in Texas and lease it to tenants? Lessor's risk insurance protects you from liability claims and property losses that come with being on the landlord side of a commercial lease — coverage that standard property policies often don't include.
Commercial Auto Insurance
If your business puts vehicles on the road — one work truck or a full fleet — you need more than personal auto coverage. Commercial auto insurance covers accidents, vehicle damage, and liability claims for business-use vehicles across Texas.
Error & Omission Insurance
Even experienced professionals face claims of mistakes or negligence. Errors and omissions insurance protects Texas consultants, contractors, agencies, and service businesses from the legal and financial costs of those claims — whether they're valid or not.
Worker's Compensation Insurance
Texas has unique workers' comp laws — and navigating them without the right guidance is a risk in itself. Workers' compensation coverage protects your employees if they're injured on the job and shields your business from significant financial exposure. We'll help you understand what's required and what's smart for your specific operation.
Flood Insurance
Standard commercial property insurance doesn't cover flood damage — and in Texas, that gap matters. From DFW to the Gulf Coast, flooding can happen fast and hit hard. Business flood insurance protects your property and assets from water-related losses that most policies won't touch.
Excess/Umbrella Insurance
Some claims are bigger than your primary policy limits. Umbrella liability insurance sits above your existing coverage and kicks in when a claim exceeds what your standard policies can handle. For Texas businesses with significant assets or exposure, it's a layer of protection worth having.
Cyber Liability Insurance
Data breaches, ransomware attacks, business email compromise — cyber threats affect businesses of every size and industry. Cyber liability insurance covers the financial fallout: breach notification costs, legal fees, regulatory fines, and recovery expenses. If your business stores customer data or processes payments, this isn't optional anymore.
Liquor Liability Insurance
Restaurants, bars, event venues, and caterers face liability risks that general liability policies don't fully cover. Texas liquor liability insurance protects your business from claims and lawsuits tied to alcohol-related incidents — a real exposure for any business that sells or serves alcohol.
Builder's Risk Insurance
Construction projects involve significant upfront investment before a single dollar comes back. Builder's risk insurance covers materials, equipment, and structures while work is in progress — protecting Texas contractors and developers from losses that could stall or sink a project.