Business Insurance Brokers Independent commercial broker

TX commercial

Commercial Insurance Broker in Texas

Texas is a large commercial market with a workers-comp system that is not like Washington’s and a property market that talks about wind and hail on the first call. We license in Texas and we write Houston, Dallas, and Austin accounts as an independent broker — wholesale, manufacturing, contractors, lessors, and hospitality.

We shop A-rated carriers. We work for the client. We will not bury a wind/hail deductible in a binder you will not read.

Houston and Dallas distribution and manufacturing need cargo, fleet, products, and a property form that can survive a storm deductible conversation. Austin adds professional services, lessors, and hospitality that looks like a coastal city with inland weather. We write the city in front of us.

Texas workers compensation is elective for many private employers and still contractually required on most serious commercial jobs. We will explain the difference between “not required by statute” and “not required by your GC.” That is not legal advice; it is how the bid desk works.

Multi-state firms with Washington headquarters and Texas plants get L&I for WA payroll and a Texas-compliant structure for Texas payroll. We do not mix the two systems.

Featured cities in Texas

A short set of commercial cores. The full incorporated-city directory is below. ZIP codes stay on each city page and in structured data.

Austin

Austin commercial insurance is hospitality, professional and tech-adjacent services, and lessors in a tight in-town market. Liquor, cyber, and E&O show up as often as a building policy.

Commercial insurance in Austin

Dallas

Dallas–Fort Worth commercial insurance is lessors, wholesale, professional services, and the contractors who build the next box. Wind/hail deductibles and a Texas WC conversation belong on the first proposal, not the third.

Commercial insurance in Dallas

Houston

Houston commercial insurance is distribution, manufacturing, contractors, and a property market that talks about wind and flood as separate decisions. We write fleet, cargo, products, and a storm-deductible conversation you can actually hear.

Commercial insurance in Houston

San Antonio

San Antonio commercial insurance is hospitality first — hotels and restaurants that live on the River Walk and the visitor calendar — plus contractors who remodel those rooms and a large medical-office and lessor layer. Wind and hail still belong on the first property call. Texas WC rules are not Washington L&I.

Commercial insurance in San Antonio

All Texas city pages

252 incorporated cities — population threshold plus the capital and county seats that can rank. We do not create a URL for every ZIP code or for 200-person towns.

Commercial Property

Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.

Coverage details

Commercial Auto

Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.

Coverage details

Workers Compensation

Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.

Coverage details

General Liability

Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.

Coverage details

Wholesale and Distribution

Warehouse property, fleet, products liability, and cargo for distributors who move other people’s shelves.

Industry page

Manufacturing

Products liability, property, equipment breakdown, and the payroll story of a plant that actually makes things.

Industry page

Commercial General Contractor

GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.

Industry page

Property Management

Managers of commercial office, retail, and industrial buildings — GL, E&O, EPL, and the owner certificates you issue every week.

Industry page

Hotel

Guest premises, property, liquor, garagekeepers, and the income story of a limited-service or full-service hotel.

Industry page