General liability
Evaluate protection for covered third-party bodily injury, property damage, and other liability exposures arising from your operations.
Commercial Lines
Coverage that understands your operation.
Your work, contracts, people, vehicles, and property shape the risk. We build the insurance review around how your business actually operates.
Small business. Specific exposures.
Built around the work you do.
A contractor’s tools and job sites call for a different review than a restaurant’s kitchen, dining room, and staff. We start with your actual operations, then review coverage options and requirements.
Coverage availability depends on business activities, eligibility, and underwriting.
A coordinated view of your exposures.
We review the details across your policies so each coverage serves a defined purpose.
Workers’ compensation
Consider coverage for eligible work-related employee injuries and illnesses, along with the requirements affecting your business.
Commercial auto
Match vehicle use, drivers, operating radius, and ownership to liability and physical damage coverage.
Business owner’s policy
For eligible businesses, review a package combining property and liability with available additional coverages.
Commercial property
Evaluate buildings, equipment, inventory, business personal property, and business income exposures.
Artisan contractors
Review trade-specific operations, tools and equipment, job-site exposures, subcontracting, and contract requirements.
A deliberate decision about employee injury coverage.
Texas lets most private employers opt out of workers’ compensation. Some employers and projects have coverage requirements, including certain government contracts.
We also place occupational accident and other nonsubscriber options for eligible businesses. These options differ from statutory workers’ compensation in benefits, protections, and employer obligations.
Source: Texas Department of Insurance workers’ compensation guide.
Accurate operations. Documented context.
Our Comprehensive Underwriting Audit includes a courtesy review of coverage, exposure, eligibility, and classification accuracy. It identifies coverage, underwriting, and file-positioning issues before renewal decisions are made.
Five-year loss narratives
We organize the context behind your loss history: what happened, what management did, and the outcome, supported by available documentation.
Monthly audit trail
We maintain a dated record of operational changes and corrective measures so the renewal file reflects how your business is managed today.
Let’s review your file.
Start a conversation about your coverage, your equipment, or your next renewal.