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Commercial Insurance
Commercial insurance built around the business you actually run.
Commercial insurance protects your business against property damage, lawsuits, employee injuries, vehicle accidents, cyber attacks, and lost income. As an independent agency inside the TWFG network, we compare 300+ carriers to build the right policy stack for your industry. That might be a Business Owner's Policy for a shop, workers' comp for a growing crew, or a full commercial program for a multi-location operation.
Industry Router
Industries we know well
Commercial coverage works best when your agent already speaks your industry's language. Start with yours.
Coverage Highlights
Coverage highlights
The building blocks of a commercial program, each one explained in plain English.
Business Owner's Policy (BOP)
The starter package for most small businesses. Combines commercial property and general liability into a single cost-saving policy. A good fit for retail, office, and light service businesses.
Commercial Property Insurance
Rebuilds walls, roofs, inventory, and equipment after fire, wind, hail, or theft. Applies to owned buildings and, in many cases, tenant improvements.
General Liability and Professional Liability
Covers legal fees, settlements, and damages when someone claims your business caused bodily injury, property damage, or a professional error. The single most requested coverage on commercial contracts.
Workers' Compensation
Pays medical bills and lost wages for employees hurt on the job, and shields your business from lawsuits arising from those injuries. Often required by contract even when it isn't required by law.
Commercial Auto and Fleet
Protects vehicles used for business, from a single work truck to a full fleet. Personal auto policies almost always exclude business use.
Cyber and Data Breach
Pays for breach notification, forensic response, customer credit monitoring, ransomware response, and reputation recovery. Increasingly required by contracts and lenders.
Umbrella and Excess Liability
Extra liability protection stacked over your other policies. When a claim exceeds your GL or auto limits, the umbrella starts paying.
Employment Practices Liability (EPLI)
Covers claims from employees around wrongful termination, discrimination, harassment, and wage disputes. Often overlooked until the day it's needed.
Key Person and Group Benefits
Life insurance on key leaders, plus group health benefits that help you retain talent.
Why TWFG Insurance
Why local businesses stay with us
The policy is the product. The service is the difference.
Industry-smart guidance
Local agents who speak manufacturing, retail, tech, contracting, and real estate. You won't have to explain your business twice.
Scalable protection
Add locations, vehicles, employees, or entities without restarting your policy. Your program grows with you.
Budget-friendly plans
Competitive premiums and payment schedules that flex with your cash flow.
Claims advocacy
When trouble hits, we work the claim so you can stay open for business. That means calling adjusters, gathering documentation, and pushing back when a determination isn't right.
300+
Carrier partners in the TWFG network
Local
Agents you know by name
8 Lines
Of coverage under one roof
#1
Personal-lines agency in Texas
Our Process
From first call to first COI
Five steps from quote request to bound coverage.
Discovery call
Twenty to thirty minutes. We learn your operations, your contracts, and your current gaps.
Carrier shopping
We take your risk to the carriers with the best appetite for your industry.
Options review
Two or three carriers side by side. Coverage, exclusions, and premium in plain English.
Bind and issue
Certificates and endorsements the moment you need them.
Ongoing service
Renewals, changes, new locations, new hires, and claims. Same team, same phone number.
