Houston Commercial Insurance

Choosing the right commercial insurance for your business in Houston requires time and effort that many business owners cannot spare. Experienced Carrera Insurance Services Inc. insurance specialists customize insurance options to precisely fit your business needs while sourcing the best rates from a network of carriers.


For financial protection and peace of mind, Carrera Insurance Services Inc. offers a variety of commercial coverage options that include:

Hand using a tablet displaying colorful candlestick stock charts with green and red bars

Bonds

Surety Bonds are essential components for a company's operations in a competitive marketplace. You may need a bond to guarantee contractual completion of work or the law may require you to file a bond for compliance on licensing requirements. A surety bond is a contract agreement that guarantees obligations in a specific contract are met, including financial responsibility.

Insurance

It can be difficult to select the right insurance coverage options catered to your needs. Too often, the standardized insurance packages don’t reflect your circumstances or possessions. Fortunately, the insurance brokers at Carrera Insurance Services Inc. believe in streamlining and simplifying the process for each client.

Two coworkers talking on a staircase in an office building, smiling and holding coffee cups.
Flooded unfinished basement with exposed beams and windows, reflecting water covering the floor

Commercial Flood Insurance

Commercial Flood insurance helps protect your business and the contents inside from flood damage. It is important to note that you may need this as a separate protection, as flood damage is typically not covered under commercial property insurance.

Commercial Property Insurance

Covers your business and personal property against the risk of damage from fire, natural disaster, vandalism and theft. Carrera Insurance Services Inc. offers tailored policies with expanded coverage that often reimburse on a replacement cost basis in the event of loss.

Sunlit modern office buildings with blue glass facades and a green tree in the foreground
Hands arranging wooden figures under a white umbrella on a desk, symbolizing family insurance protection

Commercial Umbrella Insurance

Adds an extra layer of commercial liability protection for your business. If your business has numerable assets, consider the extra coverage that goes beyond general liability insurance to ensure extended protection in the event of major claim or lawsuit.

Directors and Officers Insurance

Directors and officers (D&O) liability insurance protects directors and officers in the event they are personally sued when managing a company or nonprofit organization. The insurance covers costs and damages (awards and settlements) that arise from wrongful action allegations and lawsuits brought against members of the board of directors or an officer of an organization.

Two people in a glass-walled meeting room listening to a speaker across a table
Blank white screen with a thin black horizontal line near the bottom.

Employment Practices Insurance

An employment practices insurance (EPL) coverage is a type of liability insurance that covers the wrongful acts in the employment process and policies.

General liability insurance

Essential, whether you are a small business owner, contractor, landlord or service professional. Carrera Insurance Services Inc. designs your insurance packages according to your business requirements and helps you identify key factors to reduce risk.

Smiling man sitting in a car with the window open, sunlight streaming in.
Worker on scaffolding installing blue metal roofing on a house roof

Builder's Risk

Builder's risk insurance, also known as course of construction insurance, is a type of property insurance that helps protect construction projects entirely from beginning to end. It also helps protect materials, supplies, and equipment. Buildings are subject to many different risks while under construction. Therefore, builder's risk insurance is an important coverage that protects your investment in these unforeseen risks.

Cyber insurance

Professional Liability insurance, commonly known as Errors and Omissions insurance (E&O), protects you and your business against claims of negligence, failed services, or incomplete services.

Person working at a dual-monitor computer setup in a modern office, viewing code and data dashboards
Two people exchanging paperwork beside a red car outdoors

Standard commercial auto insurance

Covers bodily injury and property damage liability as well as personal injury, medical costs and lost wages in the event of a vehicular accident. Discuss the options that are right for your business with an experienced Carrera Insurance Services Inc. specialist.

Workers' compensation insurance

Mandatory in most states to cover costs for employee work related injuries. Standard policies pay lost wages and medical expenses and protect your business against lawsuits from work related accidents.

Mostly blank white image with a thin black bar along the bottom edge

No one ever wants to have to be in a situation where they require insurance but you never know what will happen when. To gamble that you will not need insurance is never a bet you should take.


Every business requires some form of insurance protection. Contact a Carrera Insurance Services Inc. expert today to learn more.