Texas Commercial Insurance Broker

Coverage Overview

What's Typically Covered

• Commercial General Liability for Texas businesses
• Commercial Property — building, contents, business income
• Workers Compensation — optional for TX private employers but strongly recommended
• Commercial Auto for Texas business vehicles and fleets
• Business Owner's Policy (BOP)
• Professional Liability / E&O
• Commercial Umbrella / Excess Liability
• Builder's Risk for TX construction projects

Texas Is Unique When It Comes to Workers Compensation

Texas is the only state that makes workers compensation optional for private employers. While this gives TX businesses flexibility, going without WC leaves employers exposed to tort liability from injured workers. Most TX businesses benefit from carrying WC even when not legally required — and some contracts and government jobs require it regardless.

As your independent broker, we explain the real risk of opting out and help you make the right decision for your specific operations.

Why Independent Matters in Texas

Texas is one of the most competitive commercial insurance markets in the country. That's good news for buyers — but only if you have someone actively shopping the market on your behalf. Captive agents can only offer their own company's rates. As an independent broker, we compare quotes from multiple top-rated admitted carriers to find your best option.

We serve Texas businesses in Dallas, Fort Worth, Houston, San Antonio, Austin, El Paso, Lubbock, Amarillo, and across the state.

Texas Industries We Cover

Auto dealers and repair shops, restaurants and food service, retail stores, contractors and tradespeople, trucking and commercial fleets, convenience stores and gas stations, hotels and motels, healthcare and dental, professional services, and more. If you run a business in Texas, we can insure it.