Cross Timber, TX
Commercial Insurance Broker in Cross Timber, Texas
Cross Timber sits in Johnson County. Census estimates put the city at about 500 residents — a smaller county-seat market in the Texas area, with a commercial mix of restaurants, coffee, and hotels that need liquor and property written as hospitality. Business Insurance Brokers is an independent commercial broker licensed in Texas. We shop A-rated carriers and we work for the client.
Typical Cross Timber accounts we discuss are coffee shops, hotels, and restaurants. The coverage conversation usually starts with 3 commercial lines, not a personal-lines bundle. Texas workers compensation is elective for many private employers and still contractually required on most serious commercial jobs. That is not the same system as Washington L&I, and we do not mix the two.
The Johnson County commercial pattern around Cross Timber is food service and lodging plus the contractors who remodel kitchens after hours. We schedule property and liability for the building and the operations in front of us. A suburban storefront form dropped on a smaller county-seat market is how files get declined at audit.
If you also operate outside Texas, say so on the first call so other-states coverage is a design choice rather than a renewal surprise.
Request a quote or call 800-351-9518. Texas workers compensation is elective for many private employers and still contractually required on most serious commercial jobs. That is not the same system as Washington L&I, and we do not mix the two. We do not publish a ZIP-code doorway set for Cross Timber. If the operation is in this city, use this page.
Related coverage, industries, and locations
Liquor Liability
Dram-shop and liquor-law liability for restaurants, hotels, and tasting rooms that serve as part of a hospitality operation.
Coverage detailsGeneral Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsCoffee Shop
Espresso bars and cafes: a BOP that understands equipment, seating, and a second location that is really a roaster.
Industry pageHotel
Guest premises, property, liquor, garagekeepers, and the income story of a limited-service or full-service hotel.
Industry pageRestaurant and Food Service
Kitchens, dining rooms, delivery, and liquor — packaged for restaurants that actually cook and serve.
Industry pageTexas
Licensed commercial insurance broker serving Texas.
State page