Everblue / Business
Business insurance · Houston, Texas
Protection for the business you built.
Restaurants, offices, retail shops, medical and professional practices, and service companies. Every business carries different risks.
Get a quoteWhy it matters
Small business coverage is not one-size-fits-all. A restaurant, a dental office, and a cleaning company each need something different, and contracts, leases, and lenders often set their own requirements.
Shauna looks at how your business actually operates, what your lease and client contracts require, and where a single uninsured claim could hurt most, then compares options to build a package that fits.
Business owner’s policy (BOP)
Bundles general liability and commercial property, often at a lower cost for eligible small businesses.
General liability
Customer injuries, property damage, and advertising claims.
Commercial property
Your building, equipment, furniture, and inventory.
Business income
Replaces lost income if a covered loss forces you to close temporarily.
Professional and cyber liability
Errors in your professional services and the cost of a data breach.
Local detail
Houston business risks worth planning for
Storm downtime
A hurricane or flood can close a business for weeks. Business income coverage helps keep payroll and rent paid while you recover.
Flood exclusions
Flood is usually excluded from commercial property policies. Inventory on the ground floor is especially exposed.
Lease requirements
Leases often require specific liability limits and additional insured wording. Read yours before renewal.
Common questions
What is a business owner’s policy?
A BOP combines general liability and commercial property in one policy, often at a lower price than buying them separately. Not every business qualifies.
Does my business need commercial auto?
If employees drive company vehicles, or you use a personal vehicle mainly for business, a commercial auto policy is usually needed.
Do I need workers’ comp in Texas?
Most private employers in Texas are not required to carry it, but there are real trade-offs to going without. We can walk you through them.
Start here
Let’s talk about your coverage.
Tell us a little about what you need. Shauna responds personally, usually within a few hours.