NR
Noema Ramos
★★★★★
I buy my car insurance here, already several years, they always find me the best price. I recommend them to everyone
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Commercial insurance for your Houston business
Your business is the result of hard work. I help you protect it and qualify for contracts you cannot take today for lack of coverage.
Coverages we handle
- General Liability: responds for injury or property damage your work causes. This is the one most often required to sign a contract.
- Workers Compensation: covers your employees if injured on the job and protects you from a lawsuit.
- Commercial auto: for trucks, vans and fleets used for work. A personal policy does not cover an accident that happens while working.
- Umbrella and Excess: additional coverage when the standard policy limit is not enough.
- Errors & Omissions: for those providing professional services or advice.
- Garage Keepers: for shops and businesses that store customer vehicles.
If you work for yourself, this is for you
House cleaning, landscaping, plumbing, electrical, painting, remodeling, construction. If you do any of this work in Houston, insurance is not just protection: it is the key to landing bigger clients.
Companies, property managers and general contractors require a certificate of insurance before hiring you. Without it, they will not even consider you. With it, you compete for contracts that currently turn you away.
About workers comp in Texas
Texas is the only state that does not require most private employers to carry workers compensation. That does not mean you do not need it: many contracts require it, and without it you are exposed to an injured worker suing you directly, without the protections the system provides.
What I need to quote your business
- Exactly what you do and how long you have been doing it
- How many people work with you
- Approximate annual business revenue
- Whether you have work vehicles
- Whether any contract requires specific coverage limits
Frequent questions
What is general liability and why is it required?
It is the coverage that responds if your work causes injury to a person or damage to someone else's property. Many general contractors, property managers and commercial clients require it before awarding a contract, and ask for a certificate proving it.
Is workers compensation mandatory in Texas?
Texas is the only state that does not require it of most private employers. However, many contracts do require it, and without coverage you lose the legal protections of the system and are exposed to direct lawsuits from an injured worker.
I work alone, is commercial insurance useful?
Yes, and it is often what makes the difference. An independent contractor with general liability can take contracts requiring a certificate of insurance, which are usually the better paying ones. It also protects your tools and income.
Does my personal auto policy cover me if I use my truck for work?
Generally no. If the accident happens while working, the personal carrier can deny the claim. If you use the vehicle for your business you need a commercial auto policy.
How long does a commercial policy take to issue?
For straightforward businesses we can have the policy and certificate the same or next day. For more complex operations or higher limits it can take a few days while the carrier reviews. If you have a contract deadline, tell us and we prioritize it.
Get your price in 1 minute
Three quick questions and I find you the best price among more than 25 carriers. I reply on WhatsApp the same day.
- I compare over 25 companies for you
- I reply the same day
- With or without a U.S. license
- No cost, no obligation
Free quote1 / 2
Sending opens WhatsApp with your details ready. We never share your information.
What our clients say
Real reviews published by clients on our Google profile.
4.8
★★★★★
86 Google reviews
DG
Dinia Gomez
★★★★★
I have been with this company for many years, very friendly, the girls always find me the best price! Just renewed my auto policy again
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PV
Pedro Vicente
★★★★★
Just renewed my policy once more, 4 years with this company, they help me find the best price. I recommend them to everyone
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AM
Amber Magadan
★★★★★
I referred two of my friends here and I got a gift card just like that!! I recommend them they are Great with customer service and getting you good deals!! Thank you for my gift card I love it!!!
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LV
Lauro Manuel Velasquez
★★★★★
I have been here for over 5 years and just renewed my policy. The girls always find me the best price. I recommend them to all my friends
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BG
Briseida Gonzalez
★★★★★
Thank you Alaila for helping us get the cheapest rate insurance we approved of. Great customer service and great help. Come get your car insurance here. Good prices and great customer service.
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JL
Javier Lorenzana
★★★★★
I brought my insurance for my car a few times here the girls are so helpful and always find the best price, i recomend to everyone
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MC
Mateo Chic yat
★★★★★
I bought an airline ticket here
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FR
Flawless Ren
★★★★★
This is a very recommendable place, just got my dads policy checked and the lady is very nice. Very affordable.
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MM
Misael Muñoz
★★★★★
Excellent staff, their team is dedicated to providing the best possible service. I highly recommend them to anyone who needs their services.
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SH
Sarahi Hernandez
★★★★★
Excellent service!!! Amparo prepared my taxes, I forgot a form and she very kindly helped me get the information I was missing. She is a person with a lot of knowledge of what she does. I recommend Repreza Insurance Multiservice, Alaila is also very friendly and always ready to help. Thank you Repreza Insurance.
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