If you're billing customers, paying employees, or running equipment, you need coverage that fits the actual operation, not a generic small-business bundle.
Why work with an independent agency
A captive agent quotes one carrier's commercial book. We quote ten commercial markets — Travelers, Utica, Allstate Commercial, Progressive Commercial, Columbia Insurance Group, US Assure, Risk Placement Services, CNA Surety, Texas Mutual (workers comp), and AmWINS for specialty / hard-to-place — and the right carrier for a roofing contractor is rarely the right one for a coffee shop or a CPA firm.
We also re-shop your commercial policy every renewal. Commercial premiums in Texas have moved significantly the last few years — what was the best fit when you signed up may not be the best fit at renewal.
Bryan Spahn handles commercial lines at WKI. He writes a broad book — not a single-industry niche — so he's quoted everything from downtown storefronts to job-site contractors without bundling them into the wrong policy because it's easier to write.
Workers comp is placed direct with Texas Mutual and other carriers, not referred to the state pool. Cyber liability rides on most of the commercial carriers we work with — usually written as part of the broader commercial package rather than as a stand-alone.
What "right-sized" actually means
Most small operations need three things: GL or BOP for liability, commercial auto if vehicles are involved, and workers comp once there are employees. Beyond that, the conversation depends on what you actually do.
If your industry isn't on our card list above, ask anyway. We've quoted plenty of unusual operations and have specialty markets for niche risks.