Business Details
38 Years
experience
Your Trusted Texas Insurance Partner
Texas Insurance Place is an independent insurance agency that has served Texas businesses and residents since 1988. Our team brings over 20 years of combined experience in the insurance industry, with specialized expertise in Texas contractor insurance developed over the past decade. We focus on delivering tailored coverage solutions for commercial clients, including general liability, commercial auto, umbrella insurance, workers' compensation, bonds, and builders risk policies. Our commitment to fast, convenient service allows clients to obtain certificates of insurance immediately in most cases and access policy documents online. We represent more than 20 top-rated insurance carriers to ensure competitive pricing and comprehensive protection for HVAC contractors, electricians, plumbers, and other trades.Our flood insurance specialists offer coverage through the National Flood Insurance Program and private insurers, recognizing that 25% of flood claims originate in moderate-to-low risk zones. For personal lines, we provide auto, home, renters, and flood insurance with options for HO-3, TDP-3, and mobile home policies. Our agency maintains deep knowledge of Texas-specific insurance requirements, including TDLR mandates for HVAC contractors and coverage gaps in home-based businesses. We emphasize transparency in explaining policy terms and coverage limitations, particularly regarding flood protection exclusions in standard homeowners policies.
Services
General Liability Insurance
Commercial Auto Insurance
Flood Insurance
Workers' Compensation
Business Owners Policy
Umbrella Insurance
Contractor Bonds
Tools & Equipment Coverage
Builders Risk Insurance
Homeowners Insurance
Details
- Year established: 1988
Highlights and features
- We offer Texas contractor insurance specialization since 2008
- Our agents have 20+ years of combined Texas insurance experience
- Immediate certificate of insurance issuance available
- Represent over 20 top-rated insurance carriers for competitive rates
- Provide online policy document access and certificate services
Services
General Liability Insurance
Protect Texas contractors with comprehensive liability coverage starting at $545 annually. Our policies safeguard against third-party property damage, bodily injury claims, and advertising injuries. Specialized programs available for electrical, HVAC, and plumbing contractors meeting TDLR requirements.
Flood Insurance
Secure NFIP-backed flood insurance with rates starting at $119 yearly. Coverage protects residential and commercial properties against surface water flooding, including damage from just 1 inch of water. Available in all Texas flood risk zones with no pre-existing condition exclusions.
Commercial Auto Insurance
Tailored vehicle coverage for Texas businesses through top-rated carriers like Progressive and Safeco. Includes liability, collision, and comprehensive protection for contractor fleets, service vehicles, and commercial equipment transport.
Workers' Compensation
Meet Texas legal requirements with customized workers' compensation policies. Provides medical expense coverage and wage replacement for job-related injuries while offering loss control resources to reduce workplace accidents.
Business Owners Policy
Combine property, liability, and business interruption coverage into one cost-effective policy. Designed for Texas small businesses with up to $2 million GL limits and $500,000 property coverage maximums.
Questions
What commercial insurance policies do you specialize in?
We specialize in Texas contractor insurance including general liability, commercial auto, workers' compensation, and builders risk policies. We also offer business owners policies, umbrella coverage, and surety bonds.
Do you offer flood insurance for low-risk areas?
Yes, we provide NFIP and private flood insurance options starting at $119/year for low-risk zones. Approximately 25% of flood claims come from these areas, making coverage advisable regardless of location.
How quickly can I get insurance documents?
Most policies allow immediate certificate issuance and online access to policy documents. Our digital platform enables 24/7 certificate generation and document retrieval for active policies.
Are your insurance rates competitive?
We represent over 20 top-rated carriers to ensure competitive pricing. Our independent agency status allows unbiased comparisons across multiple insurers to find your best value.
Do you insure home-based businesses?
Yes, we offer specialized coverage for home businesses including equipment protection, liability insurance, and business auto policies. These address gaps in standard homeowners policies for work-related claims.
