Business Owners Policies & Commercial Insurance

As an independent agency TWFG Insurance Spring / The Woodlands has access to over 50 insurance carriers to find the right business or commercial insurance coverage you need.  Our access to these carriers allows us to shop the insurance coverage you need, for prices you can afford.   Call our office today to start saving (281) 466-1310.  Below are just a few of the business we specialize in and love to work with.

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Who needs commercial Insurance​?

• Doctor’s Office
• Retail Stores
• Garages
• Restaurants
• Manufacturers

• Janitors
• Beauty Salons
• Dry Cleaners
• HVAC Services
• ​Real Estate Offices

• Florists
• Appliance Stores
• Jewelry Stores
• Gym’s
• ​Spa’s​​

Basic Business Insurance

​Running a business comes with a variety of risks, and protecting your assets, employees, and operations is crucial for long-term success. Our range of business insurance offerings is designed to provide comprehensive coverage for every aspect of your business, no matter your industry or size. From protecting your property and vehicles to safeguarding against liability claims, we offer a variety of solutions tailored to meet your unique needs. Below are the key types of business insurance available to help you manage risks and ensure your business continues to thrive.

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• Commercial / Business Property
• Commercial Building Flood Insurance
• Commercial Buildings
• Commercial / Business Auto
• Commercial Truck & Trucking
• Contractors​​

• General Liability
• Workers Compensation
• Commercial Umbrella Insurance
• Professional Liability
• Errors and Omissions (E&O)
• Business Owners Policy (BOP)

Commercial Insurance vs Personal Insurance

Unsure whether you need a personal or commercial auto insurance policy? The following are points to consider when deciding which kind of insurance policy you need.​

Who drives and owns the vehicle?
If your car is owned by your business, most likely, you'll need a commercial auto insurance policy. However, If you're a sole proprietor, you might only need a personal auto insurance policy. The type of policy you need also depends on how often the vehicle is used and what it's used for.

How do you use the vehicle?
If you use your vehicle for business purposes, you'll probably need a commercial auto insurance policy. If you're a sole proprietor who uses your car or truck to commute, or only travels to 1 or 2 clients a day, you might only need a personal auto insurance policy.

What type and weight is your vehicle?
If your business vehicle is tow truck, dump truck, delivery, or commercial trailer, you probably need a commercial auto insurance policy.  The heavy vehicle, the more damage they cause if involved in an accident and may even require special coverage.

Does your business liability limits?
If your business has higher than normal liability limits, you most likely need a commercial auto insurance policy, as these policies typically offer higher limits than personal auto insurance policies.

Commercial Auto Insruance

​Commercial Auto Insurance - If you use vehicles for work, you'll need commercial auto insurance to be fully covered. Personal policies don't usually cover work related incidents.  Should you have a commercial auto policy?

General Liability

General liability insurance - Small businesses, no matter the type, need general liability insurance. It's basic liability protection that guards against accidents, injuries, property damage and lawsuits.