Business Insurance · Houston, TX
protect the Business you built.
General liability, a business owner’s policy and the coverage around them, explained in plain words. I compare options from several carriers for Houston business owners, in English or Spanish.
Coverage overview
What business Insurance Covers
Every business is different. I’ll help you match coverage to the work you actually do.
General Liability
Covers claims that your business caused injury or property damage to others, like a customer’s fall.
Business Owner's Policy
Bundles general liability and business property into one policy, often a good fit for small offices.
Commercial Property
Covers your building, equipment, inventory and furniture against covered losses, like fire or theft.
Professional Liability
Covers claims that your advice or work caused a client a financial loss. Also known as E&O coverage.
Workers' Comp
Optional for private employers in Texas. When you carry it, it covers work injuries plus lost wages.
Commercial Auto
Covers the vehicles your business owns or uses for work, like job sites, deliveries or hauling gear.
Coverage In Detail
Commercial Property
Building, if you own it.
Equipment, tools, inventory and furniture.
Business income after a covered loss, if you add it.
If your business owns or rents space, or keeps equipment, inventory or furniture, commercial property coverage helps pay to repair or replace them after a covered loss. In Houston, I’ll also look at how wind, hail and flood are handled on your policy, because flood usually needs its own coverage.
Professional Liability
Common for consultants, real estate, accounting, design and tech services.
Helps with legal defense costs, up to your limits.
Often required by client contracts.
If clients pay you for advice, designs, plans or professional services, a mistake or a missed detail can lead to a claim even when no one gets hurt. General liability usually doesn’t cover that kind of claim. Professional liability does.
Workers' Comp
Optional for private employers in Texas.
If you don’t carry it, you must notify your employees and the state.
Some client contracts require it, so check yours.
Texas lets private employers choose whether to carry workers’ comp. If you carry it, it helps pay medical bills and lost wages when an employee is hurt on the job. If you don’t, there are rules you still have to follow, and your business takes on the risk of an injury claim. I’ll walk you through both sides so you can decide.
2006
In Insurance Since
2014
Writing P&C Since
2019
Serving Houston Since
EN / ES
English & Español
Who It's For
Small business owners in Houston
Contractors and trades
Offices, shops and restaurants
Consultants and professional services
Businesses with employees or work vehicles
Good To Know
Workers’ comp is optional in Texas. Private employers can choose whether to carry workers’ compensation coverage.
Not covered? You still have to notify. Employers without workers’ comp must notify their employees and the Division of Workers’ Compensation.
Source: Texas Department of Insurance
How It Works
Step 1
Tell Me About Your Work
Tell me what your business does, who works for you, and which coverages you have in place today.
Step 2
I Shop Several Carriers
I shop several carriers for you and walk you through what each quote covers, not just the price.
Step 3
You Choose, I Handle It
Pick the option that fits. I handle the paperwork, then review your coverage with you each year.
Frequently Asked Questions
COMMON QUESTIONS
Is workers’ comp required in Texas?
No, not for most private employers. Texas lets you choose. If you don’t carry it, you must notify your employees and the state, and your business takes on the risk of injury claims. I’ll walk you through both options.
What is the difference between general liability and a BOP?
General liability covers claims of injury or property damage to others. A BOP bundles general liability with coverage for your business property, usually in one policy.
Do I need professional liability if I have general liability?
If clients pay you for advice or professional work, often yes. General liability usually doesn’t cover claims that your work caused a client a financial loss.
Does my home insurance cover my home-based business?
Usually not much. Business equipment and business liability often have low limits or none at all on a home policy. Tell me about your business and I’ll show you what fits.
What do you need to quote my business?
What your business does, your address, number of employees, yearly revenue, any vehicles used for work, and your current policy if you have one.
OFTEN PAIRED WITH
Business coverage is one part of the picture. Here is what I often review alongside it.
Commercial Auto
Covers the vehicles your company owns or uses for work and deliveries.
Employee Benefits
Group health, dental and life plans that help you hire and keep staff.
Life Insurance
Helps protect your family and any business debts you have signed onto.
TALK TO KEVIN
Questions About Your Business Insurance?
Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.
HOURS
Mon to Fri 9am to 6pm
Helping Houston families and business owners protect what matters most, with real guidance, not just rates.
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Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.
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