Texas-Licensed P&C General Lines Agent
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.
A licensed TIV9 advisor will reach out within one business day.
Commercial Lines
From sole proprietors to multi-location operations, we place every commercial line available — and we know which ones your industry actually needs.
Bundles property and liability coverage into one cost-effective policy for qualifying small and mid-size businesses.
Learn MoreProtects your business from third-party claims of bodily injury, property damage, and personal injury.
Learn MoreCovers vehicles owned or used by your business for liability, collision, and comprehensive losses.
Learn MoreProvides medical and wage benefits to employees injured on the job — required for most Texas employers.
Learn MoreCovers your building, equipment, inventory, and business personal property against fire, theft, and more.
Learn MoreProtects against data breaches, ransomware attacks, and the legal and notification costs that follow.
Learn MoreCovers claims arising from errors, omissions, or negligent professional services rendered to clients.
Learn MoreShields executives and board members from personal liability for decisions made on behalf of the company.
Learn MoreCovers claims of wrongful termination, discrimination, harassment, and other employment-related disputes.
Learn MoreProvides an additional layer of liability protection above your primary policy limits.
Learn MoreCovers tools, equipment, and goods in transit or at job sites not protected by standard property policies.
Learn MoreProtects business property from flood damage — not covered under standard commercial property policies.
Learn MoreGuarantees contractual obligations and protects clients if your business fails to fulfill its duties.
Learn MoreCovers claims arising from bodily injury or property damage caused by products your business manufactures or sells.
Learn MoreTexas-specific coverage for businesses that serve or sell alcohol, protecting against alcohol-related injury claims.
Learn More60%
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
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
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.
Comprehensive protection for your home, personal property, and liability as a homeowner.
Learn MoreTexas-required liability coverage plus optional collision, comprehensive, and uninsured motorist protection.
Learn MoreProtects your personal belongings and provides liability coverage when you rent your home or apartment.
Learn MoreAdds an extra layer of liability protection above your home and auto policy limits.
Learn MoreCovers flood damage to your home and belongings — not included in standard homeowners policies.
Learn MoreCovers your boat, jet ski, or other watercraft for physical damage and liability on Texas waterways.
Learn MoreLiability, collision, and comprehensive coverage tailored for motorcycles and sport bikes.
Learn MoreSpecialized coverage for recreational vehicles whether parked at a campsite or on the road.
Learn MoreTerm and whole life options to protect your family's financial future in the event of your passing.
Learn MoreScheduled personal property coverage for jewelry, art, collectibles, and other high-value items.
Learn MoreTailored coverage for manufactured and mobile homes, including property and liability protection.
Learn MoreTexas-specific coverage for agricultural operations, livestock, farm equipment, and rural property.
Learn MoreWhy TIV9
Licensed by the Texas Department of Insurance as a P&C General Lines Agent — fully authorized to place all commercial and personal lines coverage.
We cover the complete spectrum of property and casualty insurance — from BOP and cyber to flood and farm & ranch. One agency, every coverage.
We go beyond quoting. We analyze your operations, identify coverage gaps, and build a risk management strategy tailored to your business.
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
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
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
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
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.