3218 Fannin Rd #5708 - Melissa, TX 75454

Insurance Products

Check out the types of insurance we offer our clients.

General Liability Insurance

Provides coverage for bodily injury, property damage, and personal/advertising injury claims arising from business operations, premises, products, or completed work.

Excess Liability & Umbrella Insurance

Offers additional liability coverage beyond the limits of underlying policies (such as general liability, auto liability, and employers' liability), providing comprehensive protection against catastrophic losses.

Property Insurance

Safeguards commercial property, including buildings, equipment, inventory, and furnishings, against perils such as fire, theft, vandalism, and natural disasters, ensuring business continuity and asset protection.

Commercial Auto Insurance

Protects company-owned vehicles, as well as vehicles used for business purposes, against physical damage and liability claims arising from accidents, collisions, or other covered events.

Cyber Liability Insurance

Shields businesses against financial losses and legal liabilities arising from cyberattacks, data breaches, network security failures, and privacy breaches, offering coverage for data recovery, legal expenses, notification costs, and regulatory fines.

Workers Compensation Insurance

Provides statutory benefits to employees for work-related injuries or illnesses, covering medical expenses, lost wages, rehabilitation costs, and death benefits, while shielding employers from potential lawsuits.

Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, it safeguards professionals and businesses against claims alleging negligence, errors, omissions, or inadequate professional services, protecting against financial losses and legal expenses.

Inland Marine Insurance

Covers movable property and goods in transit, providing protection for assets transported over land or stored at various locations, including construction equipment, tools, valuable goods, and specialized cargo, against perils such as theft, damage, and loss.

FAQ

Most small businesses start with $1 million per occurrence / $2 million aggregate limits. The right amount depends on your industry, client contracts, and exposure to risk.

General Liability Insurance typically covers:

  • Bodily injury (if someone is hurt on your premises)
  • Property damage (to third-party property)
  • Personal & advertising injury (libel, slander, copyright infringement)
  • Legal defense costs related to covered claims

Yes! We’re happy to review your contract or subcontractor agreement and help you understand what coverages, limits, or endorsements are required. We’ll also let you know if your current policy meets those requirements—or help you adjust it if it doesn’t.

Possibly. Even if you use 1099 contractors, you may still be liable for injuries or damages they cause—especially if they don’t carry their own insurance. We can help review their Certificates of Insurance and advise on how to protect your business.

Being listed as an Additional Insured gives your customer some protection under your policy if a claim arises from your work. It’s common in construction and service contracts. Most policies allow this through an endorsement, and we can help you issue the appropriate certificate.

If you regularly use your personal vehicle for business—like transporting tools, delivering goods, or visiting job sites—you may not be fully covered under a personal auto policy. A commercial auto policy or hired/non-owned auto coverage might be necessary.

Hiring employees usually means you’ll need Workers’ Compensation coverage (even in Texas where it’s optional), and you may need to update your General Liability and payroll-based policies. Let us help you stay compliant and protected as your business grows.

Yes! Paying in full is often the most cost-effective option. Some carriers even offer a discount for doing so.

Most policies offer flexible payment plans—like monthly, quarterly, or 10-pay options. Just note that some plans may include small service or finance fees.

For larger policies or specialty coverage, a finance company can pay the premium upfront, and you repay them in monthly installments. Premium financing usually requires a down payment, which often includes fully earned fees, taxes, and any minimum earned premium required by the carrier. Interest and finance charges also apply.

Yes! Many carriers allow automatic payments through your bank account (EFT/ACH) to avoid missed payments.

A premium audit is a review conducted by your insurance carrier at the end of your policy term to determine your actual exposure—such as payroll, sales, or number of employees. It ensures you paid the correct premium based on your actual business activity.

Most General Liability and Workers’ Compensation policies are based on estimated figures provided at the start of the policy. The audit ensures those estimates match your actual numbers, so the final premium is accurate and fair.