Question 1

Commercial General Liability (CGL)

Accepted Answer

Our Commercial General Liability insurance is your business’s shield against third-party lawsuits. It covers:

Bodily injury and property damage from your operations.
Personal and advertising injury claims.
Premises and operations risks, from your office or warehouse to job sites across town.
Products and completed operations for work done off-site.
Broad contractual liability (with a few exceptions).

Rest easy knowing your business is protected from unexpected claims, y’all

Question 2

Business Auto Insurance

Accepted Answer

Keep your fleet rolling with our Business Auto Policy (BAP), designed to cover:

Auto liability for third-party claims from accidents causing bodily injury or property damage.
Physical damage for collision (think overturns or bumps) and comprehensive losses (like theft or vandalism).
Optional coverage with flexible deductibles, required in Texas and most states.

Whether you’re hauling tools or heading to a job site, we’ve got your vehicles covered.

Question 3

Workers’ Compensation

Accepted Answer

Take care of your hardworking team with Workers’ Compensation insurance, offering:

Medical, income, and death benefits for employees injured or killed on the job.
Coverage for occupational diseases.
Elective in Texas, but a must for lookin’ after your folks.

Show your employees you’ve got their backs, no matter what.

Question 4

Employers Liability

Accepted Answer

Tucked into most Workers’ Compensation policies, Employers Liability coverage protects your business from employee lawsuits for work-related injuries not covered by workers’ comp. It’s like an extra layer of peace of mind for those unexpected legal dust-ups.

Question 5

Commercial Umbrella (Excess) Liability

Accepted Answer

For extra protection, our Commercial Umbrella policy steps in when primary coverage limits run dry. It extends over:

Commercial General Liability, Business Auto, and Employers Liability policies.
Available in $1,000,000 increments to suit your needs.

Think of it as a big old shade tree for those high-cost claims.

Question 6

Contractors Professional Liability

Accepted Answer

Our Contractors Professional Liability insurance protects against financial losses from design errors or omissions—crucial for today’s design-build projects. This coverage fills gaps left by standard CGL policies, keeping your professional services as solid as a Texas handshake.

Question 7

Contractors Pollution Liability

Accepted Answer

Handle environmental risks with Contractors Pollution Liability insurance, covering:

Bodily injury, property damage, or cleanup costs from pollutants you bring to or release at a job site (like fuel, mold, or asbestos).
Claims not covered by standard CGL policies.

We’ll help you keep the air clear and your business protected.

Question 8

Contractors Equipment Floater

Accepted Answer

Our Inland Marine Contractors Equipment Floater covers your tools and equipment, from hammers to heavy machinery:

Scheduled items like mowers, bulldozers, or cranes, plus blanketed smaller tools.
Leased or rented equipment.
Coverage for gear movin’ from job site to job site.

Your tools work as hard as you do—let’s keep them safe.

Question 9

Builders Risk

Accepted Answer

Protect your construction projects with Builders Risk insurance, a temporary policy covering:

Property damage during the building, erection, or fabrication of structures.
Risks tailored to your project’s size, type, and location.

From groundbreaking to ribbon-cutting, we’ve got your project covered.

Commercial Insurance

PROTECT YOUR BRAND