Industries We Serve
General coverage programs don't account for the specific risks, regulations, and workforce dynamics of your industry. We know the exposures that matter in each sector, and the carriers and coverage structures that actually respond when something goes wrong.
🏗️ Contractors & Trades
HVAC, electrical, plumbing, roofing, general contracting, and specialty trades are the backbone of the Texas construction economy. This sector is also where insurance exposures are most complex and most consequential.
Contractors face GL and workers' comp exposures on every job, COI requirements from GCs and owners on every contract, and equipment and tools in transit between job sites. We structure programs that meet contract requirements efficiently and protect your crew.
Key coverage lines for contractors
- General Liability, including completed operations
- Workers' Compensation (critical for crews; also the Texas opt-out decision)
- Commercial Auto & Hired/Non-Owned Auto
- Inland Marine / Tools & Equipment
- Builder's Risk (project-specific or blanket)
- Commercial Umbrella
- Employee Benefits if you're competing for trade labor
⛽ Oil & Gas
From Midland to the Eagle Ford Shale and the Gulf Coast, Texas oil and gas operations require specialized coverage structures, and employers in this sector often have compensation and benefits expectations that differ significantly from other industries.
Key focus areas
- Contractor liability, including OilField OA/OCP for operators
- Commercial Auto: high-mileage and heavy equipment exposure
- Workers' Compensation: hazardous industry with significant injury exposure
- Group Health & Employee Benefits: competitive packages for field and management staff
- Key Person Life Insurance for closely held operators
- Executive Benefits: equity and comp planning for high earners
🌾 Agriculture & Ranching
Texas agriculture, including row crops, cattle operations, orchards, and specialty farming, presents a unique combination of property exposure, equipment value, and workforce risk that standard commercial policies aren't always designed to handle.
Key coverage areas
- Farm/Ranch Property: buildings, equipment, livestock
- Inland Marine / Mobile Agricultural Equipment
- Commercial Auto: trucks, trailers, off-road equipment
- Agri-Business Liability
- Workers' Compensation for farm employees
- Business Income / Crop Loss exposure
- Employee Benefits for ranch employees and management
💼 Professional Services
Accountants, attorneys, consultants, marketing agencies, IT firms, and staffing companies face professional liability exposure that a general BOP alone won't cover. This is the industry segment where E&O coverage is most critical, and most often overlooked.
Key coverage areas
- Professional Liability / E&O: claims-made form, tail coverage planning
- Cyber Liability: client data exposure
- Business Owners Policy (GL + Property baseline)
- D&O / EPLI for growing firms with employees
- Employee Benefits: competing for professional talent in Texas metros
- Key Person Life for principals and partners
🏭 Manufacturing & Distribution
Manufacturing and distribution companies in Texas face products liability, commercial property, commercial auto (fleet), and workers' comp exposures simultaneously, often with significant equipment values and supply chain dependencies.
Key coverage areas
- Commercial Property: buildings, equipment, inventory
- General Liability + Products/Completed Operations
- Commercial Auto / Fleet
- Workers' Compensation: manufacturing injury exposures
- Inland Marine / Equipment Breakdown
- Business Interruption / Supply Chain Coverage
- Employee Benefits for production and management workforce
🚛 Transportation & Logistics
Trucking, freight brokerage, courier services, and logistics companies operate in one of the most heavily regulated and insurance-intensive commercial sectors. Auto liability limits, cargo coverage, and compliance with FMCSA requirements all require specialized knowledge.
Key coverage areas
- Commercial Auto / Truckers' Coverage: primary liability, physical damage
- Motor Truck Cargo
- General Liability
- Workers' Compensation
- FMCSA compliance filings (MCS-90 endorsement, etc.)
- Employee Benefits for drivers and office staff
🏥 Healthcare Practices
Medical practices, dental offices, mental health providers, and healthcare staffing firms have distinct malpractice, regulatory, and employment exposures, plus significant competition for clinical staff that makes employee benefits a strategic priority.
Key coverage areas
- Medical / Professional Malpractice
- General Liability
- Cyber Liability: HIPAA breach exposure
- Workers' Compensation
- D&O / EPLI for group practices
- Employee Benefits: competing for nurses, PAs, and support staff
🏨 Hospitality
Restaurants, hotels, event venues, and catering companies face a distinct combination of liquor liability, premises liability, workers' comp in a high-turnover environment, and property exposures, often in leased spaces with specific tenant insurance requirements.
Key coverage areas
- General Liability: premises, operations, liquor liability
- Commercial Property: equipment, inventory, leasehold improvements
- Business Income / Interruption
- Workers' Compensation: kitchen and service staff injury exposures
- Commercial Auto (delivery or catering vehicles)
- Employee Benefits: increasingly important for front-of-house retention
Don't see your industry? Let's talk.
We work with businesses across the Texas economy. If your industry isn't listed above, tell us about your business and we'll bring the right expertise and carrier access to the conversation.