Small Business Insurance in Round Rock & Austin, TX
Every industry below has its own secure online application. Answer each question once and we prepare the complete underwriting submission for you — with your renewal run as a negotiation, starting 120+ days out.
Medical Practice Insurance
Private practices, urgent care, dental, allied health, and specialty clinics all need more than a generic BOP. We build coordinated programs that protect the practice, the providers, the patients, and the data.
Who it’s for
- Solo and group physician practices
- Dental and orthodontic offices
- Urgent care, med spa, and outpatient clinics
- Physical therapy, chiropractic, and allied health
- Specialty practices (cardiology, dermatology, etc.)
Contract & landlord requirements
We align your renewal strategy with credentialing and lease cycles, and place healthcare-focused carriers — not retail BOP forms.
Key coverages
- Professional liability. Medical professional liability (malpractice) coordination.
- Business Owner’s Policy. Property and liability for the practice itself.
- Cyber liability. HIPAA breach response, placed correctly — not bolted on.
- Workers’ compensation. For clinical and admin staff.
- Equipment breakdown & EPLI. Imaging and medical devices, plus employment practices liability.
Janitorial & Cleaning Insurance
Your crews work inside other people’s buildings, often after hours and unsupervised. Cleaning contracts live and die on certificates, limits and additional insured wording.
Who it’s for
- Office, commercial, medical and dental office cleaning
- Floor care, waxing and carpet extraction
- Post-construction, make-ready and apartment turnover cleaning
- Disinfection, window and exterior pressure washing
Contract & landlord requirements
Clients frequently require a janitorial bond and crime coverage for employee dishonesty and theft in their contracts. We keep the coverage your clients demand without overpaying for it.
Key coverages
- General liability. Slip-and-fall, property damage and third-party injury claims that follow crews from job to job.
- Care, custody & control. Damage to a client’s building, fixtures or contents while your crew is working in their space.
- Workers’ compensation. Chemical exposure, lifting and fall injuries.
- Equipment & commercial auto. Buffers, extractors and supplies, plus the vans and trucks moving crews between accounts.
Nonprofit & Social Services Insurance
Social service organizations carry exposures a standard business policy was never written for. Every dollar of premium is a dollar that could go to your programs.
Who it’s for
- Food banks, soup kitchens, thrift stores and donation centers
- Youth, after-school, senior and adult day programs
- Counseling, referral, residential and transitional housing
- Animal rescues, camps and faith-based outreach organizations
Contract & landlord requirements
We run your renewal as a negotiation — starting 120+ days out, so your board sees every move and you decide where the budget lands.
Key coverages
- General liability. For the public, clients and participants who come through your doors or attend your events.
- Directors & officers. Defends your board, executive director and volunteers against claims over decisions and governance.
- Abuse & molestation. Critical for youth, senior and residential programs where trust and supervision matter most.
- Property, hired & non-owned auto, crime & fiduciary. Buildings and donated inventory, volunteers driving their own vehicles, and employee dishonesty.
Garage & Auto Shop Insurance
Specialized coverage for auto repair shops, used-car dealers, body shops, and service stations — including garage liability, garagekeepers, and dealer open-lot protection.
Who it’s for
- Auto repair, transmission and specialty repair shops
- Body & paint shops and auto detailing
- Used car dealers, tire sales & service
- Service stations, quick lube and auto glass installers
Contract & landlord requirements
Dealer bond placement is available, and we issue same-day certificates of insurance. Mobile and roadside operations are considered.
Key coverages
- Garage liability. Premises and operations liability for repair shops, dealers, service stations, and body shops.
- Garagekeepers. Customer vehicles in your care, custody, or control, with limits tailored to your lot value.
- Dealers open lot. Physical damage protection for your dealer inventory parked on the lot.
- Tools, property & workers’ comp. Shop tools, diagnostic equipment and lifts, your building, and coverage for mechanics and staff.
Architects & Engineers Insurance
One design error can lead to costly litigation. From boutique architecture studios to multi-disciplinary engineering firms, we build coverage around the professional risks you face.
Who it’s for
- Architecture firms and landscape architects
- Structural, civil and MEP engineers
- Interior designers
- Surveyors, geotechnical and environmental consultants
Contract & landlord requirements
General liability does not cover design errors, and most clients and contracts require E&O. High-value projects and contracts with large indemnification requirements often call for umbrella limits.
Key coverages
- Professional liability (E&O). Claims of negligence, design errors, and omissions in your professional services, with prior acts and retroactive date options.
- General liability & property. Office and job-site injury claims, plus computers, design equipment and plans.
- Cyber liability. Data breaches and ransomware — important for firms storing client plans and project data.
- Umbrella / excess. Additional limits above your primary policies.
Wholesale & Distribution Insurance
Coverage built for distributors, liquidators, and warehouse operations — from inventory and products liability to the trucks that deliver your goods.
Who it’s for
- Wholesale distributors and liquidation warehouses
- Third-party logistics (3PL) and e-commerce fulfillment centers
- Import / export, electronics and consumer goods distributors
- Food & beverage and industrial supply distributors
Contract & landlord requirements
If your warehouse contract makes you legally responsible for customer inventory, standard property insurance won’t cover it — warehouse legal liability does.
Key coverages
- Products liability. Claims that a product you distributed caused injury, illness, or property damage after it left your facility.
- Warehouse legal liability. Damage to goods stored in your warehouse when you are contractually responsible for the loss.
- Property & general liability. Building, inventory, racking and material handling equipment, plus premises and delivery operations.
- Commercial auto & workers’ comp. Delivery vehicles, and lifting, forklift and loading injuries.
Transportation & Trucking Insurance
Coverage for motor carriers, owner-operators and private fleets, with one online application and a vehicle schedule built right into the form.
Who it’s for
- For-hire motor carriers and private fleets
- Dry van, reefer, flatbed and specialized freight
- Dump & aggregate, local delivery and final mile
- Intermodal, drayage and owner-operators leased to carriers
Contract & landlord requirements
Most shippers and brokers require cargo coverage, commonly $100,000 per load, and many shipper contracts call for umbrella or excess limits.
Key coverages
- Primary auto liability. Filing-ready liability for tractors, straight trucks, and power units, including MCS-90 and Form E/H filings.
- Motor truck cargo. Per-vehicle, catastrophe, and terminal limits with options for reefer breakdown and earned freight.
- Physical damage & trailer interchange. Tractors and trailers at stated value, plus non-owned trailers under a written interchange agreement.
- Non-trucking & owner-operator. Bobtail, non-trucking liability, and occupational accident.
Small business insurance questions
Do I need E&O insurance if I have general liability?
Yes. General liability does not cover professional services or design errors. E&O is specifically designed for the financial harm caused by professional mistakes — and most clients and contracts require it.
Do I need products liability if I only distribute products?
Yes. Even if you do not manufacture the goods, you can still be named in a claim for a defective product you sold, shipped, or distributed. Products liability coverage defends those claims and pays covered damages.
What is warehouse legal liability?
It covers loss or damage to property you store for others when your warehouse contract makes you legally responsible. Standard property insurance only covers your own goods, not customer inventory.
Do I need motor truck cargo coverage?
Most shippers and brokers require cargo coverage, commonly $100,000 per load. Limits should match the highest-value load you haul.
How long does a quote take?
Underwriting typically takes 3-10 business days once a complete application and loss runs are received.
Not sure which application? Call (512) 640-5989