Commercial Property & Casualty Insurance
Protect your business, your assets, your people, and your livelihood. We structure commercial P&C programs for businesses with up to 250 employees. Programs that actually fit your industry and exposure, not off-the-shelf packages.
Commercial insurance built around your business, not a generic checklist
Most businesses buy commercial insurance once, renew it on autopilot, and assume they're covered. Then something happens: a contractor claim, a cyber incident, a vehicle accident. And they discover gaps they didn't know existed.
At Xpress Benefits, we start by understanding your operations, your exposures, and what you currently have in place. Then we shop your account across our carrier relationships to build a program that actually works.
In Texas specifically, two things every business needs to understand: first, Texas is the only state where workers' compensation is not mandatory for most private employers, a fact that carries significant legal implications. Second, wind/hail deductibles are standard in Texas commercial policies, and flood is always a separate coverage. We make sure you understand what's covered before a claim, not after.
Actual policy language governs all claims. All coverages are subject to policy terms and conditions. Speak with a licensed advisor for guidance specific to your business.
What we cover
Click any coverage line to learn more about how it works, what it covers, and what to watch for.
General Liability
Covers bodily injury and property damage claims from your operations, premises, and products/completed work. The baseline for virtually every business.
Learn moreBusiness Owners Policy
A bundled policy combining commercial property and general liability: the efficient starting point for most small and mid-size businesses.
Learn moreCommercial Property
Building and business personal property coverage. Critical for understanding replacement cost, wind/hail deductibles, and flood exposure.
Learn moreCommercial Auto
Personal auto policies exclude business use, one of the most common coverage gaps. We structure commercial auto and hired/non-owned coverage to close it.
Learn moreWorkers' Compensation
Texas is the only state where workers' comp isn't mandatory for most private employers, but opting out carries significant legal risk. We'll help you make an informed decision.
Learn moreCyber Liability
Ransomware, data breaches, and business email compromise are not just large-company problems. A BOP alone won't cover cyber losses in most cases.
Learn moreProfessional Liability / E&O
Covers financial harm from professional errors or omissions, distinct from General Liability. Essential for IT consultants, accountants, real estate agents, engineers, and staffing firms.
Learn moreUmbrella / Excess Liability
An extra layer of liability protection above your underlying policies. Often the most cost-effective way to significantly increase your overall coverage limits.
Ask about coverageIndustry-Specific Coverages
Contractors, oil & gas, agriculture, healthcare, transportation: each industry has unique exposures. We know the coverage lines that matter in your sector.
See industry programsWe know Texas commercial insurance because we work here every day
Texas has a unique insurance landscape that matters for every business coverage decision:
- ✓ Non-mandatory workers' comp: the most critical compliance decision Texas employers make. We walk you through the real risk of each option.
- ✓ Wind/hail deductibles are standard in Texas P&C policies. We make sure you understand what triggers them and what you'd owe out of pocket.
- ✓ TWIA eligibility for coastal and near-coastal businesses. We know which carriers and programs apply and how to structure your program around them.
Get a P&C coverage gap review at no cost
Tell us about your business and we'll assess your current program, identify exposures, and present options. No obligation, no pressure.