Personal insurance protects your family. Commercial insurance protects everything you've built on top of that — the trucks, the crew, the lease, the LLC, your name on the side of the trailer. We work with sole proprietors, small contractors, professional services, and brick-and-mortar shops. This page is for you.
Most small business policies are sold in pieces — auto here, liability there, workers' comp because the contract required it. Nobody steps back and looks at the whole picture. Here's the picture.
If the truck is registered to the business, your personal policy probably won't cover it.
Personal auto policies have business-use exclusions that quietly bite when a vehicle is titled to an LLC, used to haul tools, or driven primarily for work. Commercial auto is built for that — higher liability limits, coverage for hired and non-owned vehicles (employees driving their own cars on company errands), and tools/equipment endorsements.
Quote commercial auto →The "slip-and-fall, spilled-coffee, hit-the-wrong-pipe" coverage.
General Liability (GL) covers the things that happen on the job or at your location that aren't auto and aren't employee-related. Customer slips on your floor. Subcontractor cuts a buried line. Your work damages a client's property. Without GL, those become personal lawsuits against the business owner — and depending on how the LLC is structured, against you personally.
Quote general liability →If you have employees, this isn't optional. If you have contractors, it's complicated.
Workers' comp pays for medical bills and lost wages when an employee is hurt on the job — and in exchange, generally protects the business from being sued by that employee. Texas is unusual: it's the only state where workers' comp is technically optional. But going without it ("non-subscriber") exposes you to direct lawsuits with no liability cap. Most carriers won't insure you on the GL or commercial auto side without workers' comp in place.
Quote workers' comp →When the underlying limits aren't enough — and they often aren't.
A commercial umbrella sits on top of your GL, commercial auto, and (usually) employer's liability. When a claim blows past the underlying limits, the umbrella picks up. For most small businesses with even a modest crew or vehicle fleet, $1M of underlying GL is no longer enough — a single serious accident at a job site can hit $1.5M before the dust settles. Umbrella is how you bridge that.
Quote business umbrella →The building, the inventory, the tools, the laptop, the rented space.
A Business Owner's Policy (BOP) bundles commercial property and general liability into one policy — usually at a meaningful discount versus buying them separately. It's the right product for retail, office, and most service businesses operating out of a fixed location. For trades and contractors, you may need a separate inland marine policy to cover tools and equipment that travel between job sites.
Quote BOP →If any of these sounds like your situation, we should talk. The fix is usually smaller than the exposure.
We're an independent agency, which means when we quote your business, we're shopping multiple carriers — not selling whatever one company gave us. We read your existing certificates of insurance for free. We answer questions over email without making you book a "consultation."
Most importantly: we'll tell you when your current setup is fine. Not every small business needs every product on this page. The job is figuring out what you actually need, what you can defer, and what's quietly a problem.
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