Top Tex Insurance Agency is an independent agency representing national and regional insurance companies. We work on your behalf to ensure our carriers compete for your business so you get the best rates. We’ve served Houston for over 25 years and understand the specific risks local business owners face. We’ll help ensure your policy covers potential risks to your property, employees, and clients—and if the unexpected happens, that your business can recover quickly.
Builder's Risk Insurance
Covers buildings and materials during construction against theft, vandalism, or weather damage.
Business Owner's Policy
Bundles general liability and property coverage for small to midsize businesses.
Bonds: Surety & Fidelity
Surety guarantees contract performance; fidelity protects against employee theft or dishonesty.
Cargo Insurance
Protects goods in transit from loss, theft, or damage on the road.
Commercial Auto Insurance
Covers business vehicles, drivers, and liability for accidents and property damage.
Commercial Bond
Provides financial assurance your business will meet contractual or legal obligations.
Commercial General Liability
Helps cover third-party injuries, property damage, and advertising or personal injury claims.
Commercial Umbrella
Adds extra liability limits above primary policies for large or catastrophic claims.
Dump Truck Insurance
Specialized liability and physical damage coverage for dump trucks and hauling operations.
Garage Liability
Protects auto service businesses from operations liability and customer injury claims.
Professional Liability
Covers negligence, errors, or omissions in professional services provided to clients.
School Bus Insurance
Insurance for school bus fleets, covering liability, passengers, and vehicle damage.
Workers' Compensation
Provides medical and wage benefits to employees injured or ill from job duties.
Wrecker Service
Coverage for tow trucks, including on-hook, liability, and garagekeepers exposures.
18-Wheelers
Tailored liability and physical damage coverage for tractor-trailers and fleets.
48 States & Long Haul
Covers interstate trucking risks, including high limits and extended hauling exposures.
Fracking
Specialized coverage for hydraulic fracturing operations, equipment, and environmental liabilities.
Oil Drilling
Protects drilling operations, rigs, and contractors from property and liability exposures.
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