Coverage for Every Risk in Coastal Texas
As an independent agency, we access multiple markets to find the right coverage for your situation — whether you're a homeowner on the Gulf Coast, a contractor in Corpus Christi, or a business with specialized risks. Below is a full list of what we can cover.
Personal Lines Coverage
Protecting Corpus Christi homeowners, drivers, and families from the unique risks of living on the Texas Gulf Coast.
Homeowners Insurance
Comprehensive protection for your home, personal property, and liability. Tailored for coastal Texas properties with hurricane and wind exposure.
Windstorm & TWIA Coverage
Specialized windstorm coverage for properties in the Texas Windstorm Insurance Association (TWIA) zone along the Gulf Coast.
Private Residential Flood
Private flood insurance for homeowners seeking broader or more competitive coverage than the National Flood Insurance Program (NFIP).
Auto Insurance
Liability, collision, comprehensive, uninsured motorist, and roadside assistance for personal vehicles in South Texas.
Excess Liability (Personal Umbrella)
An extra layer of liability protection above your home and auto policies — critical for coastal property owners with significant assets.
Commercial Lines Coverage
From a one-person contractor to a multi-location business, we access admitted and non-admitted markets to find coverage that fits your operation.
Business Owners Policy (BOP)
Combines commercial property and general liability into one cost-effective package — ideal for small to mid-size businesses.
General Liability
Protects your business against bodily injury, property damage, and personal injury claims from third parties.
Workers' Compensation
Required coverage for most Texas employers. Covers medical expenses and lost wages for employees injured on the job.
Professional Liability (E&O)
Errors & Omissions coverage for professionals and service businesses. Protects against claims of negligence or inadequate work.
Cyber Liability
Coverage for data breaches, ransomware attacks, and cyber incidents — increasingly essential for any business handling customer data.
Commercial Property
Protects your business building, equipment, inventory, and other physical assets against fire, theft, wind, and other covered perils.
Inland Marine
Covers tools, equipment, and property in transit or at job sites — essential for contractors, tradespeople, and mobile businesses.
Commercial Excess / Umbrella Liability
Provides additional liability limits above your primary commercial policies for businesses with higher risk exposure.
Contractors General Liability
Specialized GL coverage for contractors and construction trades, including E&S (Excess & Surplus) markets for hard-to-place risks.
Builders Risk
Covers buildings and structures under construction against damage from fire, wind, theft, and other covered causes of loss.
Commercial Wind & Flood
Commercial windstorm and private flood coverage for businesses along the Texas Gulf Coast, including parametric hurricane products.
Parametric Insurance
Innovative trigger-based coverage that pays out automatically when a defined event occurs — available for hurricane, earthquake, and flood.
Specialty Lines & Niche Coverage
We access Excess & Surplus (E&S) markets for risks that standard carriers won't write — including hard-to-place commercial accounts and specialty industries.
Healthcare & Allied Medical Liability
Professional liability and general liability for healthcare providers, clinics, and allied health businesses.
Management Liability
Directors & Officers (D&O), Employment Practices Liability (EPLI), and Fiduciary Liability for businesses and non-profits.
Lessor's Risk (Landlord Liability)
Liability coverage for property owners who lease commercial space to tenants.
Liquor Liability
Required for bars, restaurants, and event venues that serve alcohol. Covers claims arising from alcohol-related incidents.
Special Events Insurance
Short-term liability coverage for weddings, festivals, corporate events, and other one-time gatherings.
Non-Profit Liability
Tailored coverage packages for non-profit organizations, including D&O, GL, and professional liability.
Surety Bonds
Contract bonds, license bonds, and other surety products for contractors and businesses that require bonding.
Cannabis Business Insurance
General liability, BOP, and professional liability for licensed cannabis operations — a specialized market we can access.
Earthquake Insurance
Standalone earthquake coverage and parametric earthquake products for businesses and properties with seismic exposure.
Business Classes We Cover
Whether your business is straightforward or complex, we have access to markets that specialize in your industry. If you don't see your business type listed, call us — we can likely find a solution.
Don't see your industry? Call us at (361) 248-3307 — we access both admitted and E&S markets for hard-to-place risks.