Southgate specialty
Business Insurance
A single misplaced exclusion can undo a decade of work. We build business insurance programs that hold up when a claim arrives.
The program
Coverage that answers the question a claim actually asks.
Every Texas business carries risk specific to its trade, its leases, and its people. We start with a close read of your operations — then place coverage that closes the gaps generic policies leave open.
General Liability
Third-party bodily injury and property damage, plus the contractual liability your clients require.
Commercial Property
Buildings, contents, tenant improvements and business income — valued correctly, not guessed at.
Commercial Auto & Fleet
Owned, hired and non-owned auto, with driver and MVR programs that protect your record.
Workers' Compensation
Texas-specific programs with classification accuracy that keeps audits predictable.
Umbrella & Excess
Limits that sit cleanly above your primary program for large contracts and litigation exposure.
Management Liability
Employment practices, directors and officers, and fiduciary coverage for growing companies.
Complexity breakdown
Where this coverage usually fails — and how we close it.
Contractual liability gaps
Reviewed and endorsed against your actual client contracts
Underinsured property values
Replacement-cost valuation with annual re-marketing
Surprise workers' comp audits
Classification and payroll verification before renewal
Let's price your business insurance.
Answer a few questions and a Houston agent will come back with options — including the markets other agencies don't have access to.