Home / Business Insurance
Business Insurance Built Around How You Actually Operate.
From a first-year LLC to an established commercial operation, we match coverage to your real risk — not a one-size-fits-all package.
Jump to a Coverage Line
General Liability
Protects your business against claims of bodily injury, property damage, and advertising injury caused by your operations.
Who Needs It
Nearly every business, from a home-based consultancy to a retail storefront — often required by landlords, contracts, and clients before you can even do business with them.
Coverage Highlights
- —Bodily injury & property damage
- —Products & completed operations
- —Personal & advertising injury
- —Legal defense costs
Industries We Serve
Workers' Compensation
Covers medical costs and lost wages for employees injured on the job — and protects your business from related lawsuits.
Who Needs It
Any business with employees. Texas doesn't universally mandate workers' comp, but most clients and general contractors require proof of coverage before hiring a subcontractor.
Coverage Highlights
- —Medical expense coverage
- —Lost wage replacement
- —Employer's liability protection
- —Return-to-work support
Industries We Serve
Commercial Auto
Covers vehicles owned, leased, or used for business purposes — from a single work truck to a full delivery fleet.
Who Needs It
Any business that owns vehicles, or whose employees drive personal vehicles for work purposes — personal auto policies typically exclude business use entirely.
Coverage Highlights
- —Liability & physical damage
- —Hired & non-owned auto coverage
- —Cargo coverage
- —Roadside assistance for fleets
Industries We Serve
Business Owners Policy (BOP)
Bundles general liability and commercial property coverage into a single, cost-effective policy built for small and mid-sized businesses.
Who Needs It
Small to mid-sized businesses looking for foundational coverage without piecing together separate policies for liability and property.
Coverage Highlights
- —General liability included
- —Commercial property coverage
- —Business income & interruption
- —Optional add-ons (cyber, equipment breakdown)
Industries We Serve
Commercial Property
Protects the physical assets of your business — the building, equipment, inventory, and furnishings — against fire, storm, theft, and more.
Who Needs It
Any business that owns or leases a physical space with equipment, inventory, or furnishings worth protecting.
Coverage Highlights
- —Building coverage (if owned)
- —Business personal property
- —Equipment & inventory
- —Loss of income after a covered event
Industries We Serve
Professional Liability (E&O)
Covers claims of negligence, errors, or omissions in the professional services or advice your business provides.
Who Needs It
Consultants, agents, advisors, and any service business where a client could claim your advice or work caused them financial harm.
Coverage Highlights
- —Defense costs for covered claims
- —Negligence & error coverage
- —Coverage for prior work (with proper retro date)
- —Settlement & judgment coverage
Industries We Serve
Cyber Liability
Protects your business against data breaches, ransomware, and other cyber incidents — including the cost of notifying affected clients.
Who Needs It
Any business that stores client data, processes payments, or relies on email and cloud systems — which today is nearly every business, regardless of size.
Coverage Highlights
- —Data breach response & notification costs
- —Business interruption from a cyber event
- —Ransomware & extortion coverage
- —Third-party liability
Industries We Serve
Commercial Umbrella
Adds extra liability protection above your general liability, auto, and employer's liability limits once those are exhausted.
Who Needs It
Businesses with meaningful liability exposure — higher-risk operations, larger client contracts, or simply a desire for a wider safety margin.
Coverage Highlights
- —Extra liability above underlying policies
- —Broader coverage in some cases
- —Legal defense for large claims
- —Cost-effective added protection
Industries We Serve
Builders Risk
Covers a building under construction or renovation against fire, storm, theft, and vandalism until the project is complete.
Who Needs It
Contractors, developers, and property owners with an active construction or major renovation project.
Coverage Highlights
- —Coverage during construction or renovation
- —Materials & supplies on-site
- —Theft & vandalism protection
- —Soft costs coverage (optional)
Industries We Serve
Inland Marine
Covers business property, tools, and equipment that moves between job sites — property a standard commercial property policy typically excludes while in transit.
Who Needs It
Contractors, tradespeople, and any business that regularly transports tools, equipment, or goods between locations.
Coverage Highlights
- —Contractor's tools & equipment
- —Property in transit
- —Goods held by others (bailee coverage)
- —Installation floater coverage
Industries We Serve
Commercial Crime
Protects your business against losses from employee theft, forgery, embezzlement, and other criminal acts.
Who Needs It
Any business handling cash, inventory, or client funds — crime coverage fills a gap that general liability and property policies don't address.
Coverage Highlights
- —Employee theft & dishonesty
- —Forgery & alteration
- —Computer & funds transfer fraud
- —Third-party crime coverage
Industries We Serve
Directors & Officers (D&O)
Protects the personal assets of company leadership against claims related to management decisions, and protects the company itself.
Who Needs It
Any business with a board, investors, or formal leadership structure — decisions made in good faith can still lead to costly litigation.
Coverage Highlights
- —Personal asset protection for leadership
- —Defense costs for management decisions
- —Coverage for regulatory investigations
- —Employment-related claim support
Industries We Serve
Employment Practices Liability (EPLI)
Covers claims from employees alleging wrongful termination, discrimination, harassment, or other employment-related issues.
Who Needs It
Any business with employees — employment claims are among the fastest-growing sources of litigation for small and mid-sized businesses.
Coverage Highlights
- —Wrongful termination claims
- —Discrimination & harassment claims
- —Retaliation claims
- —Defense cost coverage
Industries We Serve
Surety Bonds
Guarantees your business will meet contractual, licensing, or legal obligations — often required to bid on or win certain contracts.
Who Needs It
Contractors bidding on public projects, licensed professionals required to carry a bond, and businesses needing to guarantee performance to a client or agency.
Coverage Highlights
- —Bid bonds
- —Performance & payment bonds
- —License & permit bonds
- —Fast turnaround for standard bond types
Industries We Serve
Risk Management Consulting
Beyond placing policies, we help identify and reduce the risks your business faces before they ever become a claim.
Who Needs It
Growing businesses that want a proactive partner, not just a policy renewal once a year — especially those in higher-risk industries.
What's Included
- —Risk assessment & gap analysis
- —Safety program development
- —Contract & certificate review
- —Claims trend analysis
Industries We Serve
Not Sure What Your Business Needs?
We’ll walk through your actual operations with you before recommending a single policy — that’s Understanding First, applied to business coverage.