Texas-Licensed P&C General Lines Agent

Texas Insurance. Total Protection.

TIV9 is a full-spectrum Property & Casualty agency serving Texas businesses and families. We don't just sell policies — we build risk management strategies that protect what you've worked to build.

TDI LicensedIndependent AgentCommercial SpecialistsAll Lines P&C

Request a Consultation

A licensed TIV9 advisor will reach out within one business day.

Request a Consultation

No obligation. A licensed advisor will reach out within 1 business day.

Commercial Lines

Business Coverage, Built for Texas

From sole proprietors to multi-location operations, we place every commercial line available — and we know which ones your industry actually needs.

Business Owner's Policy (BOP)

High Priority

Bundles property and liability coverage into one cost-effective policy for qualifying small and mid-size businesses.

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Commercial General Liability (CGL)

Essential

Protects your business from third-party claims of bodily injury, property damage, and personal injury.

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Commercial Auto

Required by Law

Covers vehicles owned or used by your business for liability, collision, and comprehensive losses.

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Workers' Compensation

Required by Law

Provides medical and wage benefits to employees injured on the job — required for most Texas employers.

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Commercial Property

Essential

Covers your building, equipment, inventory, and business personal property against fire, theft, and more.

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Cyber Liability

High Priority

Protects against data breaches, ransomware attacks, and the legal and notification costs that follow.

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Professional Liability / E&O

High Priority

Covers claims arising from errors, omissions, or negligent professional services rendered to clients.

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Directors & Officers (D&O)

Recommended

Shields executives and board members from personal liability for decisions made on behalf of the company.

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Employment Practices Liability (EPLI)

High Priority

Covers claims of wrongful termination, discrimination, harassment, and other employment-related disputes.

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Commercial Umbrella / Excess

Recommended

Provides an additional layer of liability protection above your primary policy limits.

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Inland Marine / Equipment

Situational

Covers tools, equipment, and goods in transit or at job sites not protected by standard property policies.

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Commercial Flood

Texas Risk

Protects business property from flood damage — not covered under standard commercial property policies.

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Surety Bonds

Situational

Guarantees contractual obligations and protects clients if your business fails to fulfill its duties.

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Product Liability

High Priority

Covers claims arising from bodily injury or property damage caused by products your business manufactures or sells.

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Liquor Liability

Texas Risk

Texas-specific coverage for businesses that serve or sell alcohol, protecting against alcohol-related injury claims.

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60%

of small businesses that suffer a major loss never reopen

1 in 5

businesses face a liability claim each year

$200K+

average cost of a single cyber breach for a small business

40%

of small businesses have no business interruption coverage

Commercial Risk Assessment

Is Your Business Fully Protected?

Most business owners don't know what they're missing until it's too late. Our free risk assessment identifies coverage gaps in your current program and shows you exactly where your business is exposed.

Personal Lines

Protecting Texas Families

From your home and vehicles to your boat and farm, we cover the full range of personal lines — with Texas-specific expertise that national carriers can't match.

Homeowners Insurance

Essential

Comprehensive protection for your home, personal property, and liability as a homeowner.

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Auto Insurance

Required by Law

Texas-required liability coverage plus optional collision, comprehensive, and uninsured motorist protection.

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Renters Insurance

Recommended

Protects your personal belongings and provides liability coverage when you rent your home or apartment.

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Personal Umbrella

Recommended

Adds an extra layer of liability protection above your home and auto policy limits.

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Flood Insurance

Texas Risk

Covers flood damage to your home and belongings — not included in standard homeowners policies.

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Boat & Watercraft

Situational

Covers your boat, jet ski, or other watercraft for physical damage and liability on Texas waterways.

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Motorcycle Insurance

Required by Law

Liability, collision, and comprehensive coverage tailored for motorcycles and sport bikes.

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RV / Motorhome

Situational

Specialized coverage for recreational vehicles whether parked at a campsite or on the road.

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Life Insurance

Essential

Term and whole life options to protect your family's financial future in the event of your passing.

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Valuable Items / Jewelry

Recommended

Scheduled personal property coverage for jewelry, art, collectibles, and other high-value items.

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Mobile Home Insurance

Essential

Tailored coverage for manufactured and mobile homes, including property and liability protection.

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Farm & Ranch

Texas Risk

Texas-specific coverage for agricultural operations, livestock, farm equipment, and rural property.

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Why TIV9

The Standard for Texas Risk Management

Texas-Licensed Expert

Licensed by the Texas Department of Insurance as a P&C General Lines Agent — fully authorized to place all commercial and personal lines coverage.

Full P&C General Lines

We cover the complete spectrum of property and casualty insurance — from BOP and cyber to flood and farm & ranch. One agency, every coverage.

Commercial Risk Specialists

We go beyond quoting. We analyze your operations, identify coverage gaps, and build a risk management strategy tailored to your business.

Independent Agent

As an independent agency, we work with multiple carriers to find the right coverage at the right price — not locked into one company's products.

Client Testimonials

Trusted Across Texas

"

TIV9 did a full risk assessment of our construction company and found three coverage gaps our previous broker missed. Their commercial expertise is unmatched.

Marcus T.

Owner, MT Construction Group

Commercial Client
"

After Hurricane Harvey, I realized my flood coverage was inadequate. TIV9 walked me through every option and made sure my family was fully protected.

Sandra R.

Homeowner, Houston TX

Personal Client
"

We run three restaurants in Dallas. TIV9 handles our BOP, liquor liability, and workers' comp — all with one advisor who actually knows our business.

James L.

Owner, Lone Star Hospitality Group

Small Business Owner

Ready to Protect What Matters?

Whether you're a business owner looking for comprehensive commercial coverage or a family protecting your home and assets — TIV9 has the expertise and carrier relationships to get it done right.

No obligation. A licensed advisor will reach out within 1 business day.