Houston, TX
(713) 644-8000

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Commercial Insurance

General liability, commercial auto, BOP and workers' comp with fast certificate turnaround.

Certificates issued the same day you're bound

A job you're ready to start shouldn't sit waiting on paperwork. Once your commercial policy is bound, certificates of insurance usually go out the same business day, written to match the exact wording your contract or general contractor asks for rather than a generic template that gets bounced back. General liability, commercial auto, business owner's policies (BOP) and workers' comp, quoted across the carriers we represent so the coverage fits what the job actually requires.

Your personal auto policy stops at the job site door

A lot of small operators find out the hard way that personal auto excludes business use. If you're driving your own truck for work and something happens while you're on the clock, that claim can be denied outright. The fix is usually a commercial auto policy or the right endorsement, and it's worth sorting out before you need it, not after. Texas does not require most private employers to carry workers' comp, but plenty of contracts and general contractors do, so we'll tell you plainly whether your next bid needs it.

General liability, commercial auto, BOP and workers' comp. Se habla espanol, quote through claim.

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Commercial insurance questions

What business owners ask us most

Certificates usually go out the same business day once your policy is bound, matched to the exact wording your contract or general contractor requires.

Usually not. Personal auto policies exclude business use, so a claim that happens while you're working can be denied. Most owners need a commercial policy or the right endorsement added.

Texas does not require most private employers to carry workers' comp. That said, many contracts and general contractors demand proof of it before they will let you on a job, so it is worth checking before you bid.

A business owner's policy typically packages general liability and commercial property coverage into a single policy, which is usually simpler and less expensive than buying each separately for a small or mid-size operation.

Need a certificate before your next job starts?

Coverage descriptions are summaries only. Actual terms are governed by the issued policy.