Commercial property

Buildings, furniture, machinery, inventory, tenant improvements, and extra structures on the premises. We also look at business income, extra expense, equipment breakdown, sewer backup, spoilage, and employee dishonesty when the operation needs them.

General liability

Pays to defend and settle covered claims for bodily injury, property damage, personal and advertising injury. If a customer, vendor, or job-site owner wants a certificate, this is usually the form they mean — and fast COIs are a specialty here.

Workers’ compensation

Texas lets some employers go non-subscriber, but plenty of jobs, lenders, and general contractors still require a WC policy. Class codes, experience mods, and owner inclusion all change the premium — we audit the application so you aren’t over-classed.

Commercial auto & hot shot

Work trucks, service vehicles, and hot-shot trucking are a focus of this office. Bring the VIN list, driver list, and radius — we’ll tell you what will bind and what won’t.

Optional coverages we place often

• Hired and non-owned auto (employees in their own cars)

• Business income and extra expense

• Equipment breakdown

• Tools, signs, money and securities

Need a certificate this week for a bid? Call or text (903) 372-1901. That’s a normal Tuesday here.