Texas BUILDING OWNER INSURANCE SPECIALISTS

Commercial Landlord Insurance in Texas

Protect your commercial properties in Texas, including Houston, Dallas, San Antonio, and surrounding areas. We compare multiple A-rated carriers to find you the right LRO coverage for liability, property damage, loss of rents, and vacancy gaps.

A-Rated CarriersEvery Quote on VideoLease + COI Review
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Takes ~2 minutes · We review your leases · Coverage matched to your requirements

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“I run a snow plow removal business and my old insurance provider dropped my coverage!! They got everything sorted out and I was insured the same day. These guys know how to help, use them!!”

— Jessica K., Google Review

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A-Rated Building Owner CarriersEvery Quote Reviewed on VideoLicensed in 29 StatesLender Schedule + Lease COI Compliance

Case Studies

Building Owner Insurance Case Studies

Anonymized examples of policy reviews we have completed for building owners across Texas and other states.

Editorial illustration representing office building risk in Texas
Office Building

Single-tenant Class A office in mixed-use podium, Houston Energy Corridor TX.

The Situation

85,000 sf 2001 8-story Class A office (floors 4-8 single engineering-firm tenant + ground-level retail separate tenant). Local-REIT owner. Oversized HVAC original to 2001 build, recent window replacement but no roof-coating upgrade. 2022 lease, 2027 expiration. Window inspection "noted 2023 but deferred." Policy hadn't been re-audited against the post-2025 Texas Supreme Court mixed-use ruling, the engineering firm's proprietary file exposure, or Harris County plaintiff-venue patterns in three renewal cycles.

What We Did

Read the engineering-firm tenant's 5-year lease line by line against the policy schedule. Documented the deferred-window-inspection exposure (Texas Property Code § 93.001 silence on owner maintenance creates ambiguity — Hines v. Hash construction-against-drafter doctrine applies). Pulled the window-frame water-intrusion exposure profile against severe-thunderstorm frequency. Documented the tenant proprietary-file + CAD-workstation property allocation (tenant property, but consequential BI claim exposure through Texas comparative-fault § 33.001 framework). Reviewed waiver-of-recovery provisions. Cross-walked Harris County plaintiff-venue patterns against current premises liability tower sizing.

🎯 The Outcome

Replaced coverage on next renewal matching the engineering-firm tenant operations and the Houston Energy Corridor + mixed-use podium exposure profile. Window inspection completion-schedule established with documentation discipline to support Hines v. Hash reasonable-care defense. Contingent business interruption rider added covering tenant operational-disruption from building-envelope failures. Mutual waivers of recovery added. Premises liability tower sized to Harris County plaintiff-venue patterns and 2025 Texas Supreme Court mixed-use ruling exposure. Property coverage scope expanded for severe-thunderstorm wind-driven water-intrusion. Building owner walked into renewal discussions with the engineering-firm tenant holding documentation showing the policy now matched what the lease required — strengthening tenant relationships and replacing dec-page guesswork at the next renewal.

Editorial illustration representing retail strip center risk in Texas
Retail Strip Center

Multi-tenant historic mixed-use building (ground-floor retail anchored), Deep Ellum Dallas TX.

The Situation

35,000 sf 1920s historic brick (renovated 2015 — modern HVAC + electrical, partial sprinkler coverage). Ground-floor retail (coffee shop + apparel boutique) on NNN; floors 2-3 office tenants (consulting + design studio) with additional-insured + waiver-of-recovery clauses. Aging 2nd-floor sprinkler riser with corrosion documented. Policy hadn't been re-audited against the 5-tenant portfolio, the sprinkler-corrosion exposure, or Dallas County plaintiff-venue patterns in three renewal cycles.

What We Did

Read the 5-tenant portfolio leases line by line against the policy schedule — particularly the retail tenant NNN allocations and office-tenant additional-insured wording. Documented the sprinkler-riser corrosion exposure (annual inspection performed but corrosion not identified — Hines v. Hash ambiguity construed against drafter on industry-standard inspection adequacy). Pulled the 2015 renovation documentation against current property coverage scope. Reviewed waiver-of-recovery provisions and additional-insured naming across the multi-tenant portfolio. Cross-walked Dallas County plaintiff-venue patterns against premises liability tower sizing.

🎯 The Outcome

Replaced coverage on next renewal matching the 5-tenant portfolio and Deep Ellum 1920s historic-masonry exposure profile. Sprinkler-system inspection protocol upgraded with corrosion-detection documentation framework. Additional-insured blanket endorsement standardized across the 5-tenant portfolio. Mutual waivers of recovery added. Property coverage scope expanded to capture sprinkler-discharge cascade damage. Premises liability tower sized to Dallas County plaintiff-venue patterns. Historic-masonry rebuild code-upgrade contingency documented. Building owner walked into renewal discussions with the 5 tenants holding documentation showing the policy now matched what the leases required — strengthening tenant relationships and replacing dec-page guesswork at the next renewal.

Editorial illustration representing industrial / warehouse risk in Texas
Industrial / Warehouse

Single-tenant industrial warehouse, San Antonio South Side industrial corridor.

The Situation

120,000 sf single-story steel-frame warehouse (8 dock-level loading bays, sealed concrete floor, standing-seam metal roof inspected 2022). Food-distribution tenant on 10-year NNN lease (third-party logistics subsidiary). Tenant operates forklifts + heavy pallet jacks with ceiling-mounted sprinkler heads at 15-ft height (within forklift swing radius). Policy hadn't been re-audited against the forklift-sprinkler proximity exposure, the prior incident-report patterns, or Bexar County moderate venue patterns in three renewal cycles.

What We Did

Read the food-distribution tenant's 10-year NNN lease line by line against the policy schedule. Documented the ceiling-mounted sprinkler exposure (15-ft height within forklift-swing radius — prior incident reports establish constructive-notice exposure on hazard discovery). Pulled the safety-training documentation against tenant operational reality (forklift operator certification gap creates Hines v. Hash construction-against-drafter exposure on shared-hazard allocation). Reviewed waiver-of-recovery provisions and additional-insured scope. Cross-walked Texas comparative-fault § 33.001 framework against current premises liability tower sizing.

🎯 The Outcome

Replaced coverage on next renewal matching the food-distribution tenant operations and the forklift-sprinkler proximity exposure profile. Sprinkler-head protective-cage capital improvement scheduled (addressing the 15-ft forklift-swing-radius hazard). Tenant safety-training documentation framework established with operator-certification protocol added to lease addendum. Mutual waivers of recovery added. Premises liability tower sized to Bexar County moderate-venue patterns and Texas comparative-fault § 33.001 framework. Property coverage scope expanded for sprinkler-discharge tenant-inventory exposure (temperature-controlled cold-storage food-distribution). Building owner walked into renewal discussions with the food-distribution tenant holding documentation showing the policy now matched what the lease and the actual operations required — replacing dec-page guesswork at the next renewal.

Bobby Friel, Partner at Direct Insurance Services

Bobby Friel

Partner, Direct Insurance Services

Most building owners think Texas is the easy state — Property Code Chapter 93 gives commercial leases freedom-of-contract, juries are reasonable, and triple-net leases push maintenance to tenants. But here's what's actually happening: the 2025 Texas Supreme Court ruling closed the mixed-use carve-out, comparative negligence still allocates fault to the owner who deferred a window inspection or left a sprinkler at forklift height, and a tenant's GL limit exhausts in a week when a Houston Energy Corridor water-intrusion claim cascades into business interruption. Standard commercial-line markets don't underwrite to Texas's post-2025 mixed-use exposure, the freedom-of-contract framework that makes lease language determinative, or the comparative-fault reality that splits liability even when the lease assigns maintenance to the tenant. The renewal cycle runs off the prior dec page — same limits, generic equipment-breakdown treatment, no re-read of the lease against the inspection-records pattern that drives comparative-fault allocation. So when a Houston window-deferred claim surfaces, or when a Dallas Deep Ellum sprinkler corrodes, the gap shows up at claim time, not before. What we do is read your lease line by line before we quote. We pull your inspection records and identify any deferred-maintenance patterns. We map your additional-insured wording and waiver-of-recovery provisions against your tenant mix and the lease's maintenance allocation. We walk you through what the building owner program pays — and what it won't — against Texas's post-2025 mixed-use reality and comparative-fault venue patterns on video. Then we shop the carriers that underwrite Texas-specific exposure — not the commercial-line template the standard renewal cycle runs off. So when you look at your current building owner program against your actual leases and Texas's post-2025 mixed-use + comparative-fault framework — do the additional-insured endorsements and the inspection-records-driven premises tower match the exposure your portfolio is actually carrying, or is there a gap worth closing before next renewal? Sound fair?

When was the last time anyone read your active tenant leases against your actual policy schedule?

On Video Before Binding

Two Videos Worth Watching Before You Submit a Quote

Nobody wins if there are coverage gaps. Our team reviews your active leases, your lender's insurance schedule, and your tenant COI portfolio before binding — so your policy schedule actually matches what your leases and lender require. Watch both before you submit.

Watch: How building owner insurance actually works

Bobby Friel · Partner, Direct Insurance Services

Watch: A real commercial policy review

Patrick Henigan · Licensed Agent, Direct Insurance Services

🏢 Property Types

Commercial Property Types We Insure in Texas

Every property type has different risks. We match your portfolio to the right carrier and coverage program.

Strip Malls & Retail Centers

Multi-tenant common-area liability, ADA path-of-travel, parking lot premise liability

Office Buildings

Tenant common-area exposure, restroom and lobby slip/fall, HVAC and elevator equipment breakdown

Industrial & Warehouse

Loading dock injuries, environmental contamination, structural roof load and BI for tenant operations

Mixed-Use Properties

Coordinated commercial + residential exposures, code-upgrade ordinance gaps, blended tenant-mix risk

Medical & Professional Office

Patient and visitor common-area liability, equipment breakdown for medical infrastructure

Parking Structures

Premises liability for vehicle and pedestrian incidents, lighting and security adequacy claims

Vacant / Under Renovation

Vacancy permit endorsements, builder's risk overlap, contractor liability coordination

Multi-Tenant Commercial

Per-tenant lease compliance audit, blanket schedule structure, tenant-mix umbrella sizing

Financial & Professional Services

Higher invitee traffic, cash-handling tenant security, professional-tenant E&O coordination

Flex Space & Light Industrial

Mixed warehouse + office exposure, loading area safety, equipment breakdown sub-limits

Single-Tenant Retail (NNN)

Triple-net lease assignment review, owner-vs-tenant maintenance allocation, COI verification cycle

Restaurant & Food Service Buildings

Liquor liability tenant exposure, kitchen equipment and grease-fire risk, hood/Ansul lease assignment

Don't see your property type? Start a review and we'll work through it together.

📝 Helpful to Have

What Helps Us Build the Right Building Owner Policy For You

The more we know about your building, your active leases, your lender's insurance schedule, and your current policy, the cleaner the review. None of these are required to start a conversation — but the more you can share upfront, the faster we surface the gaps that matter.

Property addressBuilding location and jurisdiction
Year builtBuilding age and code-upgrade exposure
Occupancy typeTenant mix and use classification
Recent updatesRenovations, system replacements, capital improvements
Prior claimsFive years of loss runs and claim narratives
Active lease templates or lease summaryTenant insurance requirements, additional-insured wording, lessor's waiver provisions, and COI compliance language
Lender's insurance schedule (if mortgaged)Loss-payee structure, replacement cost mandate, ordinance-and-law sublimit, and loss-of-rents period required
Contact info to send optionsEmail and best phone for the video walkthrough
Get Building Owner Coverage in Texas →

Don't have everything? No problem — start the form and we'll review what we need together.

🛡️ Coverage Breakdown

LRO Insurance Coverage in Texas

A complete landlord insurance program combines multiple coverage types to protect every angle of your Texas commercial properties.

CORE COVERAGE

Lessors Risk Only (LRO) Policy

Lessors Risk Only is the foundation of your building owner program. It responds to property damage on the structure, common areas, parking surfaces, and shared infrastructure you own as the landlord — fire, wind, hail, water damage, vandalism, structural failure. It pairs property coverage against general liability for the building itself (not tenant operations) and aligns to your lender's insurance schedule on CMBS-financed and bank-portfolio properties. Texas building owners face heaviest LRO exposure on Houston Energy Corridor Class A office water-intrusion claim frequency, Dallas Deep Ellum 1920s historic-brick adaptive-reuse stock (sprinkler corrosion, vapor-intrusion, modernized-systems-on-historic-structure failure), and Austin Domain growth-market replacement-cost inflation that routinely outpaces national averages by 10-18%. Post-2025 mixed-use ruling exposure compounds the picture on Buffalo Bayou Houston and Deep Ellum mixed-use inventory. Property limits must reflect actual Texas-metro construction cost reality, not generic regional averages.

  • ✓Severe thunderstorm drives window-frame water ingress on Houston Energy Corridor Class A office
  • ✓Dallas Deep Ellum 1920s historic-brick sprinkler corrosion cascades into ground-floor retail damage
  • ✓Forklift strike disables ceiling-mounted sprinkler in San Antonio food-distribution warehouse
  • ✓Post-2025 mixed-use ruling exposure surfaces on Buffalo Bayou Houston mixed-use building
ESSENTIAL

Commercial General Liability

Commercial general liability is the third-party defense layer of your building owner program. It responds when invitees — tenants, tenant employees, customers, vendors, visitors — claim bodily injury or property damage tied to common areas, parking lots, lobbies, building exteriors, or shared infrastructure you own as the landlord. It pays defense and indemnity within scheduled limits. What it does not cover: claims arising from tenant operations inside leased space (the tenant's GL responsibility). Texas applies common-law negligence with modified comparative-fault framework under Property Code § 33.001 — plaintiff recovery is barred above 50% fault, but partial liability allocation occurs even on triple-net-assigned tenant maintenance when inspection records show deferred work. Hines v. Hash and related cases construe lease ambiguity against the owner. Fifth Circuit ADA Title III enforcement applies strict construction. Harris, Dallas, Travis, and Bexar County moderate venue patterns with Austin-specific rising trajectory.

  • ✓Defense and indemnity for third-party bodily injury and property damage on common areas
  • ✓Modified comparative-fault under Property Code § 33.001 reflected in liability tower sizing
  • ✓Hines v. Hash construction-against-drafter exposure factored into lease-ambiguity coverage
  • ✓Fifth Circuit ADA Title III strict-construction enforcement reflected in defense scope
CRITICAL

Loss of Rents / Business Income

Loss of rents — also called business income coverage for landlords — replaces rental income your building loses when a covered property event makes leased space uninhabitable or interrupts tenant operations. It pays for the period of restoration plus an extended period of indemnity (commonly 12 months, longer for specialty asset types). It pairs against your lender's insurance schedule, which often mandates minimums above standard program defaults. Texas constructive-eviction claims surface when partial-loss events disrupt tenant operations — particularly post-2025 mixed-use ruling exposure on commercial-unit coverage gaps. Houston Energy Corridor Class A office and Austin Domain tech-tenant fit-out specificity extends re-occupancy timing well beyond standard commercial-line defaults. Dallas Uptown Class A office tenant fit-out (legal, financial, consulting) compounds re-leasing timeline; Austin's growth-driven tenant turnover creates rolling re-leasing exposure. CMBS lender schedules for Houston and Dallas CBD typically mandate 12-18 month minimums.

  • ✓Rental income replacement during period of restoration + extended period of indemnity
  • ✓Post-2025 mixed-use ruling commercial-unit coverage gap factored into scope
  • ✓Re-leasing timeline sized to Houston Energy Corridor Class A and Austin Domain tech-tenant reality
  • ✓CMBS lender schedule compliance for Houston, Dallas, and Austin CBD properties
OFTEN MISSED

Water Backup & Sewer Coverage

Water backup and sewer coverage responds when water enters the building from a backed-up sewer line, drain, or sump pump failure — exposures that are typically EXCLUDED from standard property coverage. The endorsement covers damage to the building structure, common areas, finishes, and shared mechanical systems caused by water backup events. Coverage sub-limits and deductibles are usually scheduled separately from primary property limits. Texas water-backup exposure runs heaviest on Houston Energy Corridor mid-rise office stock (heavy-rain stormwater system overload during foreseeable Gulf-storm events), Dallas Deep Ellum 1920s historic-brick basement-mechanical rooms, and San Antonio South Side industrial corridor where loading-dock drainage failure compounds during heavy-rain events. Austin's rapid-growth-era stormwater infrastructure faces capacity strain during sustained heavy-rain events. Sub-limits for water backup sit far below primary property limits — sizing requires actual review of basement and below-grade infrastructure, not generic flat-limit endorsements.

  • ✓Standard property exclusion override — water backup and sump-pump failure covered
  • ✓Sub-limit sized to Houston Gulf-storm stormwater overload and Deep Ellum 1920s basement infrastructure
  • ✓Austin rapid-growth stormwater capacity strain factored into endorsement scope
  • ✓San Antonio South Side industrial loading-dock drainage failure exposure underwritten distinctly

Equipment Breakdown

Equipment breakdown coverage — sometimes called boiler-and-machinery — responds when shared building systems fail mechanically: HVAC compressors, elevators, boilers, electrical panels, transformers, fire-suppression pumps. It pays for repair or replacement of the equipment itself plus ensuing damage to the building. Standard property coverage typically EXCLUDES mechanical or electrical breakdown — equipment breakdown is the dedicated endorsement that responds. Texas building owners carry equipment-breakdown exposure heaviest on aging Houston Energy Corridor HVAC systems (high cooling load drives compressor frequency), Dallas Deep Ellum modernized-system-on-historic-structure failure patterns, and Austin Domain tech-tenant backup-power and HVAC redundancy dependency. Sprinkler-strike scenarios on San Antonio and DFW industrial-corridor warehouse inventory add equipment-breakdown exposure compounded by tenant comparative-fault. Coverage sub-limits should be sized against the actual equipment schedule, not generic flat-limit endorsements that fall short on Class A transformer-replacement scenarios.

  • ✓HVAC, elevators, boilers, electrical panels, transformers, fire-suppression pumps all covered
  • ✓Houston high-cooling-load HVAC compressor frequency reflected in sub-limits
  • ✓Deep Ellum modernized-system-on-historic-structure failure patterns underwritten distinctly
  • ✓Sprinkler-strike scenarios on industrial-corridor warehouse inventory factored into coverage
RECOMMENDED

Umbrella / Excess Liability

Umbrella or excess liability coverage sits on top of your primary CGL, auto, and (where applicable) employer's-liability towers. It provides additional limits ($2M to $10M and above) that respond when claims exhaust primary coverage. Umbrella towers also drop down to fill gaps in primary on specific perils. For building owners, the umbrella is the layer that protects against high-severity premises liability claims exceeding primary CGL limits. Texas umbrella tower sizing on commercial-landlord programs reflects Harris, Dallas, Travis, and Bexar County moderate-venue patterns plus Austin-specific rising trajectory. Post-2025 mixed-use ruling exposure adds another layer that often requires umbrella drop-down for commercial-unit coverage gaps in primary. Comparative-fault allocation can drive owner liability higher than the lease apparent assignment suggests. Houston Energy Corridor Class A office and Dallas Uptown multi-tenant portfolios frequently require $5M-$10M umbrella towers to align with lender insurance schedule requirements.

  • ✓$2M-$10M+ excess limits above primary CGL and auto towers
  • ✓Drop-down provisions for post-2025 mixed-use commercial-unit coverage gaps in primary
  • ✓Tower sizing reflects Harris/Dallas/Travis/Bexar County moderate-venue patterns
  • ✓Multi-property portfolio aggregate-limit clarification handled at program structure

Premium Drivers

What Drives Your Texas Commercial Landlord Insurance Premium

Commercial landlord insurance pricing depends on dozens of factors specific to your portfolio. Here's what drives premiums up or down — and why generic estimates almost always miss the mark.

Rating FactorImpact on Premium
Building type (office vs retail vs industrial vs mixed-use)
Significant30–80% swing
Construction type and age
Notable20–60% swing
Tenant mix (restaurants, auto repair, medical raise premium)
Significant20–100% swing
Total square footage
CriticalScales volume linearly
Replacement cost (vs purchase price)
CriticalDetermines premium base
Vacancy history
Notable15–40% swing
Loss of rents coverage period
Minor8–15% of property premium
Claims history (last 5 years)
Significant25–100%+ swing
Location (flood zone, earthquake, coastal)
Notable20–75% swing
Protective features (sprinklers, alarms, security)
Notable15–30% swing
Umbrella limits selected
CriticalLinear scaling — most cost-efficient liability layer
Equipment and systems age (HVAC, electrical, plumbing)
Minor10–25% swing

A complete commercial landlord insurance program typically includes these policies:

CoveragePurposeTypical Limits
Lessors Risk PropertyBuilding structure, exterior, parking100% replacement cost
General LiabilityThird-party injuries on property$1M per occurrence / $2M aggregate
Loss of RentsRental income replacement during covered loss12–24 months of total rental income
Vacancy Coverage EndorsementClaims during extended vacancyRequired for units vacant 60+ days
Water Backup / Sewer CoverageSewer and drain backup damage$25K–$100K
Equipment BreakdownMechanical/electrical systems failures$100K–$500K
Umbrella / Excess LiabilityAdditional liability layer$2M–$10M based on portfolio size

Every portfolio is different. Rather than guess at your premium from a generic table, get a real review from a licensed agent who understands commercial landlord risk.

Your Texas Building Owner Reality

Landscape, Laws, Realities & Cost Drivers

Four angles on what shapes building owner underwriting and lender-schedule compliance for Texas commercial landlords.

The Commercial Landlord Insurance Landscape in Texas

Texas commands the third-largest commercial real estate footprint in the US, anchored by four metro markets. Houston dominates with the Energy Corridor (40+ million sf of mid-rise office), Buffalo Bayou mixed-use, and Washington Avenue corridor. Dallas splits across Deep Ellum loft conversions, Bishop Arts retail redevelopment, and Uptown Class A. Austin (East 6th Street hospitality, Domain suburban office campus) and San Antonio (Pearl District adaptive reuse, Stone Oak suburban office) round out the primary footprint. The 2025 Texas Supreme Court ruling closed the mixed-use carve-out — commercial-unit coverage cannot assume residential disclaimer protection. Texas growth-driven construction cost inflation routinely outpaces national averages by 10-18% across primary metros.

Risk Calculator

Want to Know Your Texas Building Owner Risk Profile?

Our Risk Calculator surfaces the biggest gaps in 60 seconds — no email required.

Building Owner Risk Calculator

Check Your Texas Building Owner Risk in 60 Seconds

Most building owner programs in Texas have at least one schedule gap that hasn't surfaced at renewal. Take 60 seconds to check your lender's insurance schedule against actual coverage, ordinance-and-law sublimit relative to building age, loss of rents period against typical recovery curve, lease-required additional-insured endorsements, and umbrella alignment with tenant lease language.

What it surfaces

Lender schedule

Insurance schedule alignment

Loss of rents

Period vs recovery curve

Ordinance & law

Sublimit vs building age

Lease COIs

Additional-insured verification

Sample question · 1 of 10~6 sec each

Does your loss-of-rents period actually cover the realistic rebuild timeline for your building (12 months minimum, 18-24 for older or larger buildings)?

Yes, sized to current rent roll + rebuild timeline
I think so, never verified against rebuild estimate
No / Not sure

Live calculator scores your answers and flags coverage gaps at the end — no email required.

Did you know? A loss-of-rents period sized to last year's rental income against a 6-month rebuild assumption is the most common gap we surface — actual rebuilds for older multi-tenant buildings routinely run 12-18 months once permit and code-upgrade work factors in.

Check Your Risk →
FreeNo email required60 seconds10 questions

⚠️ Policy Gaps We Find

8 Mistakes That Cost Texas Commercial Landlords Six Figures

These are the coverage gaps we find in nearly every landlord policy review. How many of them apply to your building?

1

📊 Does Your Policy Know the Difference Between a $200K Tenant and a $5M Tenant?

A nail salon doesn't create the same risk as a restaurant with a commercial kitchen. A law office doesn't create the same risk as a gym with tanning beds. Most landlord policies are priced and written as if every tenant is the same. What happens when you lease to a higher-risk tenant and never update your coverage? Your premium stays the same, but your actual exposure doubles or triples.

2

🏢 When Was the Last Time You Read What Your Tenant's Insurance Actually Covers?

What does your tenant's policy do if their equipment starts a fire that destroys your building? Answer: nothing. Tenant policies cover the tenant's property — not yours. So what's protecting your building if the damage originates from their space?

3

🚪 What Happens When a Unit Sits Empty for 60 Days?

Most commercial property policies have vacancy exclusions that kick in at 30 or 60 days. If a pipe bursts in a vacant unit on day 92, your claim is denied — and you're paying for the damage out of pocket. Do you know what the vacancy clause says in your policy, and how to prevent a denial?

4

📋 Does Your Tenant's Insurance Actually Meet the Requirements in Your Lease?

Your lease requires tenants to carry specific coverage — general liability, property, additional insured status for you, and waiver-of-recovery provisions. When was the last time anyone actually verified the COIs on file match your lease requirements? Most landlords find out about the gap only when there's a claim.

5

💸 If Your Biggest Tenant Leaves Tomorrow, Does Your Policy Replace the Rent?

Loss of Rents coverage replaces rental income when your building is uninhabitable after a covered loss. But is your limit high enough to cover actual market rents, and long enough to cover a realistic rebuild timeline? Most landlords have this coverage — just not enough of it.

6

🔧 Who Pays When the HVAC or Elevator Fails?

Equipment breakdown coverage protects against mechanical and electrical failures that standard property policies exclude. A chiller failure in July can cost $40,000 in repairs and weeks of tenant complaints. Does your policy include equipment breakdown — or will you be paying for it out of your own reserves?

7

💵 Is Your Building Insured for Replacement Cost or Purchase Price?

These are very different numbers. You may have bought the building for $800K, but it would cost $1.4M to rebuild today. If your policy is based on purchase price or market value instead of replacement cost, you're underinsured by hundreds of thousands of dollars — and you won't know until you need to rebuild.

8

⚠️ Have You Ever Had a Professional Review Every Lease Against Your Insurance Policy?

Your leases say one thing. Your insurance policy says another. When they don't line up — and they almost never do — you're the one exposed. When was the last time someone did a proper cross-check between your leases, your tenants' COIs, and your own policy?

Before You Decide

Things You're Probably Wondering

We're mid-term on our current policy — do we have to wait for renewal?

Not always. If a meaningful gap is on the policy (lender schedule mismatch, missing lease-required additional insured endorsement, loss-of-rents capped below current rent roll, ordinance-and-law sublimit that doesn't reflect building age, or a tenant COI being rejected for misaligned waiver wording), it's often worth canceling mid-term and rewriting. We walk you through the math on whether the unearned premium refund and new policy cost make sense. If renewal is 90 days out, usually wait. If it's 9 months out and a lender refinance review is held up by a coverage gap, often worth moving now.

How fast can we have coverage in place?

Most reviews wrap in 3-7 business days from first conversation to bound coverage. The faster end happens when your submission is thorough — current dec page, the active leases, your lender's insurance schedule, building details (age, square footage, tenant mix), and loss runs ready upfront. The longer end is when we're chasing details one piece at a time. We don't rush the lease review, but we don't drag one either.

What happens when a lender or tenant pushes back on our COI during compliance review?

You forward us the lender's insurance schedule or the tenant's COI requirement and the rejection notice. We compare what they're asking for against your policy's actual schedule, push the carrier for endorsement adjustments where the gap is real, and reissue a corrected COI or send the requesting party a coverage breakdown that matches their requirements. Most pushback traces to one or two specific endorsement details — once you know which ones, the fix is usually fast and the lease or refinance window doesn't get held up.

Get a Building Owner Policy Review →

Our Process

Bobby Friel, Partner at Direct Insurance Services

Bobby Friel

Partner, Direct Insurance Services

How We Work With Your Building Owner Program

Six steps from first conversation to bound coverage — the consultative review you saw on video earlier, mapped to your active leases, your lender's insurance schedule, and your tenant mix.

1

Read Your Active Leases and Lender Schedule First

Before we quote, we read your active tenant leases — additional insured language, waiver provisions, COI requirements — and your lender's insurance schedule (CMBS or institutional-loan covenants). Your current dec page comes second. Most policies bind off the prior dec page; we work the other direction.

2

Walk Your Building Mix and Tenant Profile

We map your portfolio — single-tenant or multi-tenant, office or retail or industrial or mixed-use, building age and code-upgrade exposure, anchor tenants and rent-roll concentration. Standard commercial-line markets price off averages; building owner programs need to underwrite to specifics.

3

Map Your Current Policy Against Real Exposure

We line up your existing dec page next to what we just read — leases, lender schedule, building mix — and identify the gaps. Lease-required endorsements that aren't there. Loss of rents capped below the lender's minimum. Ordinance-and-law sublimit underwritten to a different building age.

4

Shop Across Multiple Carriers Built for Building Owner Risk

We bring your specific risk profile to multiple carriers actively writing competitive building owner programs in your jurisdiction — not the appointment-limited markets that quote off generic commercial-line templates. Different carriers have different appetites for tenant-mix, building age, and lender-schedule complexity. We match the paper to the risk.

5

Walk Every Option on Video Before You Bind

We record a video walking you through each carrier's offer — what's covered, what's sublimited, where the lender schedule is met or missed, where lease-required endorsements land. You see the structure before you sign anything. No insurance jargon, plain English, your call.

6

Bind, Issue Tenant COIs, and Stay With You at Renewal

Once you choose, we bind coverage, issue tenant-additional-insured COIs against the lease language we already read, and deliver lender-as-mortgagee documentation. Then we stay in the relationship — renewal review starts 90 days early, against the same leases and lender schedule, not against the prior dec page.

🗺️ Multi-Market

Different building owner programs need different carrier appetite. Multi-market shopping finds the fit.

Lender schedules, tenant-mix profiles, building age, and ordinance-and-law exposure each pull different carrier appetites. We match your portfolio to carriers actively writing competitive building owner programs in your jurisdiction — not the appointment-limited markets that bind off the prior dec page.

Future Pacing

What Happens After You Have The Right Coverage

Once your building owner program actually matches your active leases, your lender's insurance schedule, and your tenant mix, COI submissions stop being a panic. Lender refinance reviews don't stall because your loss-of-rents limit is short or your ordinance-and-law sublimit is sized to a different building age. Tenant COI compliance audits don't surface gaps in additional-insured wording or waiver provisions. New tenant onboarding doesn't get held up because the lease language doesn't quite match what your policy will defend. And when a real claim hits — a slip-and-fall in common areas, a roof failure, a tenant-caused property damage event, an environmental contamination discovery — you're not finding out at the worst moment that the policy schedule didn't cover what you assumed it did.

  • Lender insurance schedule reviews clear on first submission, not after multiple endorsement rounds
  • Tenant COI compliance audits don't surface lease-language mismatches or missing endorsements
  • Loss of rents and ordinance-and-law sub-limits sized to current rent roll and building age, not last year's averages
  • Renewal review starts 90 days out with no carrier non-renewal surprises or last-minute appetite changes
Get a Building Owner Policy Review →

Local Risk Intelligence

Critical Building Owner Coverage Gaps by Texas Metro

Risks vary across Houston, Dallas / Fort Worth, Austin, and San Antonio. Switch tabs for the specific exposures we map for each metro — and the coverage gaps that catch building owners off guard.

Texas Metro

Houston: Critical Building Owner Coverage Gaps

1

Energy Corridor water intrusion + aging HVAC + humidity

Houston Energy Corridor 40+ million sf mid-rise Class A office concentrates water-intrusion claim frequency from Texas humidity, aging HVAC systems, and deferred-maintenance window inspection patterns. The combination of high-humidity exterior envelope stress and aging interior mechanical infrastructure drives mold and ensuing-water-damage claims that surface during tenant turnover or routine inspection. Standard property coverage routinely underwrites Houston humidity exposure generically without Energy Corridor-specific calibration.

Real exampleHouston Energy Corridor mid-rise Class A office facing water-intrusion + mold remediation cascade when aging HVAC system failure compounded with humidity-driven exterior envelope stress + deferred-maintenance documentation.

What you needEquipment-breakdown rider on aging HVAC + ensuing-water-damage endorsement + Phase I water-intrusion documentation + mold remediation sub-limit review.

2

Harris County moderate-venue premises liability + Hines v. Hash

Harris County jury venues sit at moderate severity (national-median baselines), but Texas modified comparative-fault under Property Code § 33.001 allocates fault proportionally — partial liability splits even when the lease assigns maintenance to the tenant. Hines v. Hash and related contract-interpretation cases construe lease ambiguity against the drafting party (typically the owner); silent leases default to expansive owner duty. Inspection records drive comparative-fault allocation at claim time.

Real exampleHouston Westchase Class B multi-tenant office facing 40% comparative-fault allocation on tenant-employee slip-and-fall when inspection records showed deferred-maintenance pattern despite triple-net tenant-assigned duty.

What you needPremises liability tower sized to Harris County comparative-fault allocation + inspection records audit + lease language review for Property Code § 93.006 conspicuous waiver compliance.

3

2025 Texas Supreme Court mixed-use ruling exposure

The 2025 Texas Supreme Court mixed-use ruling closed prior carve-outs that allowed mixed-use building owners to rely on residential-property-framework disclaimers; commercial-unit coverage must now apply to commercial exposures explicitly. Owners of Buffalo Bayou and Washington Avenue mixed-use buildings cannot assume residential disclaimers protect them — commercial-unit coverage scope on mixed-use buildings carries fresh exposure that standard renewal cycles haven't re-audited.

Real exampleBuffalo Bayou mixed-use building facing post-2025 commercial-unit coverage gap when prior residential-framework disclaimer no longer shielded ground-floor commercial-tenant slip-and-fall exposure.

What you needMixed-use coverage scope review for post-2025 ruling compliance + commercial-unit explicit coverage scoping + premises liability tower review.

We also serve building owners in:

Dallas, TXFort Worth, TXEl Paso, TXArlington, TXPlano, TX

📋 Coverage Gap Analysis

Find the gaps before claim time does

We'll review your Texas building owner program against your actual leases, your portfolio's real exposure, and Texas-specific statutory framework.

Your dec page says you're covered. We pull your tenant insurance schedules, your additional-insured endorsement forms, your waiver-of-recovery provisions, and your coverage scope — line by line against your lease language and Texas's statutory framework — and surface the gaps before claim time does.

Schedule Your Coverage Gap Analysis

Carrier Partners

Carriers We Work With

We compare quotes from multiple A-rated carriers writing commercial landlord risk to find Texas building owners the right combination of coverage, lender-schedule alignment, and price.

Travelers commercial landlord insurance carrier logo
Chubb commercial landlord insurance carrier logo
The Hartford commercial landlord insurance carrier logo
Liberty Mutual commercial landlord insurance carrier logo
CNA commercial landlord insurance carrier logo
Nationwide commercial landlord insurance carrier logo
RLI commercial landlord insurance carrier logo
Amwins commercial landlord insurance carrier logo
BBB Accredited Business Seal
A RatedBBB Accredited
Travelers commercial landlord insurance carrier logo
Chubb commercial landlord insurance carrier logo
The Hartford commercial landlord insurance carrier logo
Liberty Mutual commercial landlord insurance carrier logo
CNA commercial landlord insurance carrier logo
Nationwide commercial landlord insurance carrier logo
RLI commercial landlord insurance carrier logo
Amwins commercial landlord insurance carrier logo
BBB Accredited Business Seal
A RatedBBB Accredited

Plus additional specialty markets we're appointed with for high-risk tenants, large portfolios, mixed-use, and CMBS-financed buildings.

🗺️ Multi-Market Reach

Lender schedules and tenant-mix profiles pull different carrier appetites — multi-market shopping matches your portfolio to the right paper.

Standard commercial-line markets don't underwrite to LRO-specific exposures. We shop your active leases, your lender's insurance schedule, your tenant-mix risk profile, and your building's age and code-upgrade exposure across carriers actually writing competitive building owner programs in Texas — not the appointment-limited markets that bind off the prior dec page.

The Complete Commercial Landlord Insurance Guide

Insurance Service 365

Want to Go Deeper?

Read the Complete Commercial Landlord Insurance Guide

A 5,000-word guide covering lessors risk, loss of rents, vacancy exclusions, tenant vs landlord coverage boundaries, and a real vacancy denial case study. Free, no email required.

  • Lessors risk vs commercial property — what each policy covers
  • Loss of rents structure: limit sizing, extended period of indemnity
  • Vacancy exclusion mechanics and how to avoid claim denials
  • Tenant COI verification + lease-required endorsement language
Read the Full Guide →

~5,000 words · 15 min read · Free

Frequently Asked

Texas Commercial Landlord Insurance FAQs

Hurricane exposure significantly impacts LRO insurance for Gulf Coast properties. Most policies carry separate named-storm or wind/hail deductibles of 2-5% of the property's insured value, meaning a $5 million building could have a $100,000-$250,000 deductible for hurricane damage. Flood coverage is purchased separately through the National Flood Insurance Program (NFIP) or private flood markets. Properties in designated flood zones may be required by lenders to carry flood insurance. We shop multiple carriers to find the most competitive wind and flood coverage for coastal Texas landlords.

Yes. Texas is consistently ranked as one of the most landlord-friendly states in the country. Commercial landlords benefit from minimal statutory restrictions on lease terms, one of the fastest eviction processes nationally (as quick as 21 days), the ability to include lockout provisions for nonpayment in leases, no statutory duty to mitigate damages for abandoned space, and broad remedies including accelerated rent and personal guarantees. However, strong lease language and proper insurance are still essential to fully leverage these protections.

Dallas-Fort Worth LRO premiums are generally 10-20% lower than Houston due to reduced hurricane and flood exposure. A small commercial property in DFW valued at $1-2 million typically costs $3,000-$8,000 per year for base LRO coverage. The same property in Houston may cost $5,000-$12,000 due to wind/hail and flood surcharges. Both markets face elevated hail premiums, but Houston adds hurricane and flood risk. Austin and San Antonio fall between the two in pricing.

If your property is in a FEMA-designated flood zone (Zone A or Zone V), your lender will require flood insurance. But even properties outside designated flood zones can flood, as Hurricane Harvey demonstrated when many properties outside mapped flood zones experienced severe flooding. We recommend flood insurance for all Texas commercial properties, especially in the Houston metro and along river corridors. Private flood insurance options often provide broader coverage than the NFIP at competitive rates.

Winter Storm Uri in February 2021 caused an estimated $80-130 billion in total Texas damage, including billions in commercial property losses from burst pipes, roof collapses, HVAC failures, and extended power outages. Many landlords discovered their policies excluded freeze damage or had inadequate coverage for water damage from pipe bursts. Since Uri, carriers have scrutinized pipe insulation, building winterization, and freeze protection systems in their underwriting. We ensure your LRO policy includes full freeze coverage and recommend winterization upgrades to reduce your risk.

Yes. Portfolio or blanket LRO programs are common in Texas, where many landlords own multiple properties across the state's major metros. A single policy covering all locations often provides lower per-property costs, simplified administration, one renewal date, and blanket coverage limits that can shift between locations. This approach is particularly beneficial for Texas landlords with properties in different weather zones (coastal versus inland) because it diversifies risk across the portfolio.

Texas landlords should require tenants to carry a minimum of $1 million per occurrence in general liability, name the landlord as additional insured with primary and non-contributory language, maintain commercial property coverage for tenant improvements and contents, carry liquor liability if serving alcohol, and provide certificates of insurance before occupancy and at each annual renewal. Texas courts strongly enforce commercial lease insurance provisions, so well-drafted requirements are your best protection against tenant-created risks.

Regulatory Snapshot

Texas Commercial Landlord Insurance Requirements

Key insurance and regulatory requirements that Texas commercial landlords should know.

1

Texas Property Code Chapter 93 (Commercial Tenancies) — Contractual framework with no statutory maintenance duty on owners; lease language is determinative; commercial leases freedom-of-contract.

2

2025 Texas Supreme Court Mixed-Use Ruling — Closed the residential-disclaimer carve-out for mixed-use buildings; commercial-unit coverage must apply to commercial exposures explicitly, not via residential framework.

3

Modified Comparative-Fault Framework — Texas Property Code § 33.001 allocates fault proportionally; plaintiff recovery barred above 50% fault; partial liability splits even on lease-assigned tenant duty.

4

Hines v. Hash Construction Against Drafter — Texas contract interpretation construes lease ambiguity against the drafting party (typically the owner); silent leases default to owner exposure.

5

Warranty Waiver Express + Conspicuous Requirement — Property Code § 93.006 permits warranty waivers only when express and conspicuous; non-conspicuous waivers fail and reinstate owner duty.

6

Fifth Circuit ADA Title III Enforcement — Federal ADA Title III applies sitewide; Fifth Circuit applies strict construction to commercial accessibility claims with moderate enforcement intensity.

Regulatory Deep Dive

Texas Commercial Landlord Regulatory Environment

How Texas commercial landlord-tenant law shapes building owner coverage — and the modern tenant-mix exposures generic policies miss.

Regulatory Environment

Texas Commercial Landlord-Tenant Laws

Texas building owner insurance underwriting runs against a freedom-of-contract framework where lease language is the primary lever — Property Code Chapter 93 imposes no statutory maintenance duty on owners, making the lease the determinative document. The 2025 Texas Supreme Court mixed-use ruling closed prior carve-outs that allowed mixed-use building owners to rely on residential-property-framework disclaimers; commercial-unit coverage must now apply to commercial exposures explicitly, and owners of mixed-use structures cannot assume residential disclaimers protect them. Texas common-law modified comparative-fault under Property Code § 33.001 applies to premises liability — plaintiff recovery is barred above 50% fault, but partial liability splits occur even when the lease assigns maintenance to the tenant. Hines v. Hash and related Texas contract-interpretation cases construe lease ambiguity against the drafting party (typically the owner), meaning silent leases default to expansive owner duty. Property Code § 93.006 permits commercial warranty waivers only when express and conspicuous in lease language — non-conspicuous waivers fail. Harris, Dallas, Travis, and Bexar County jury venues sit at moderate severity (national-median baselines), with Travis County (Austin) on a rising trajectory tracking the metro's rapid growth. Fifth Circuit ADA Title III enforcement is moderate with strict construction. Building owner insurance programs that fail to underwrite against this framework — premises liability sized to generic exposure, equipment-breakdown coverage that doesn't account for inspection-records-driven comparative-fault allocation, accessibility coverage without Fifth Circuit severity adjustment — surface coverage gaps at claim time that Texas's standard commercial-line renewal cycle never made room for.

Modern Exposures

Modern Coverage Needs in Texas

Modern building owner coverage for Texas building owners requires four endorsement layers that the standard renewal cycle doesn't surface: (1) post-2025 mixed-use coverage scope that applies explicitly to commercial-unit exposures (no residential-disclaimer reliance), (2) premises liability limits sized to comparative-fault allocation reality under Property Code § 33.001 — even lease-assigned tenant maintenance can produce 35-40% owner liability when inspection records show deferred work or known hazards, (3) equipment-breakdown coverage with expedited-replacement support for essential-systems failure (HVAC, sprinkler, electrical) where lease language and comparative-fault inspection patterns drive owner exposure, and (4) loss-of-rents coverage with extended period of restoration sized to Texas growth-market re-leasing reality — particularly Austin Domain and Houston Energy Corridor tenant fit-out specificity extending re-occupancy timing beyond standard commercial-line defaults. Building owners working with full-service review approach get the lease language read line by line, the inspection records pulled and reviewed for deferred-maintenance patterns and prior-complaint documentation, the additional-insured endorsement wording verified against tenant insurance schedules, and the waiver-of-recovery provisions examined for tenant-side bodily-injury coverage extension. Building owners who carry forward generic commercial-line programs at Texas exposure pricing — particularly post-2025 mixed-use portfolios that lost residential-disclaimer protection — pay more than the policy actually delivers when claim time surfaces gaps the renewal cycle never re-audited.

🛡️ Lender Schedule + Lease COI Compliance

Building Owner Governance in Texas

How Texas commercial landlords actually meet their lender insurance schedule, lease-required additional-insured wording, and tenant COI compliance obligations.

Texas building owner program governance runs heaviest on lease-language audit and inspection-records discipline — both flow directly into comparative-fault allocation at claim time. The most common operational gap we surface: leases with non-conspicuous warranty waivers that fail under Property Code § 93.006, reinstating owner duty despite the apparent assignment. Deferred-maintenance inspection records create a second operational gap — Texas comparative-fault courts read inspection-deferral patterns as owner negligence even when the lease assigns maintenance to the tenant. Post-2025 mixed-use exposure adds a third gap on Buffalo Bayou, Washington Avenue, and Deep Ellum inventory. Lender insurance schedule compliance on Houston Energy Corridor and Dallas Uptown CMBS-financed properties tightens further around comparative-fault-driven premises liability tower sizing.

📈 Cost Factors

What Affects Commercial Landlord Insurance Costs in Texas?

Understanding what drives your premium helps you make smarter coverage decisions and control costs.

Property Value + Replacement Cost Reality

Texas building owners must size replacement cost to growth-driven Texas-metro inflation rates, which routinely outpace national averages by 10-18% across Houston, Dallas, Austin, and San Antonio primary markets. Austin construction cost inflation runs at premium pricing relative to other Texas metros given rapid growth. Houston Energy Corridor mid-rise office requires specialty-trade labor at premium pricing. Periodic appraisal updates (every 2-3 years given Texas growth pace, rather than the standard 3-5 years) keep replacement-cost values aligned — generic regional averaging routinely underprices Texas replacement cost by 12-22%.

Building Age + Structural/Code Classification

Texas building age compounds with growth-market code-upgrade exposure on partial-loss rebuilds. Dallas Deep Ellum 1920s historic-brick adaptive-reuse stock carries the heaviest code-upgrade exposure — electrical, plumbing, accessibility, and fire-suppression upgrades during partial-loss rebuild routinely run 25-35% of total rebuild cost. Houston Energy Corridor 2001-vintage mid-rise office carries moderate code-upgrade exposure. Austin Domain post-2010 stock carries lighter code-upgrade exposure but Texas growth-market construction-cost inflation drives replacement-cost reality above standard commercial averages. San Antonio Pearl District adaptive-reuse and South Side industrial inventory each carry distinct age-and-code profiles.

Occupancy Type + Tenant Mix Risk Profile

Texas tenant-mix risk varies sharply by submarket. Houston Energy Corridor Class A office tenants (energy, engineering, professional services) drive high tenant-fit-out specificity. Dallas Uptown Class A office (legal, financial, consulting) and Deep Ellum mixed-use (tech firms, gallery and retail) drive distinct risk profiles. Austin Domain tech-tenant density drives backup-power and HVAC redundancy dependency. San Antonio Pearl District dining-and-retail mix carries hospitality-tenant operational risk; South Side industrial carries logistics-tenant equipment density and loading-dock exposure. East 6th Street Austin hospitality-and-entertainment-tenant density adds alcohol-related and late-hour-traffic exposure. Multi-tenant Energy Corridor and Deep Ellum carry the heaviest carrier-appetite cost weighting.

Location-Specific Natural Hazard Exposure

Texas natural-hazard exposure runs across diverse regimes by region. Houston faces hurricane-adjacent Gulf-storm exposure (Saffir-Simpson Category 2-4 events historically), flood-plain reality from Buffalo Bayou and surrounding watersheds, heavy-rain stormwater overload frequency, and Gulf humidity-driven water-intrusion exposure. Dallas and Fort Worth face hailstorm severity (DFW is one of the country's highest-frequency hail zones) and tornado-corridor risk. Austin faces flash-flood exposure from Hill Country runoff plus rare-but-severe winter events. San Antonio sits between Gulf-influence and Hill Country regimes. Each hazard category drives carrier appetite, deductible structure, and tower-sizing differentiation across Texas submarkets, particularly post-Hurricane Harvey reinsurance treaty tightening.

Lease-Aligned Coverage Requirements + Lender Schedule Compliance

Texas CMBS-financed and bank-portfolio commercial properties carry lender insurance schedule requirements that exceed standard commercial-line program defaults — particularly on Houston Energy Corridor mid-rise office, Dallas Uptown Class A, and Austin Domain tech-tenant portfolios. Lease language drives coverage allocation under Property Code Chapter 93's freedom-of-contract framework; primary-and-non-contributory wording surfaces as the most common gap on tenant COIs. Hines v. Hash construction-against-drafter exposure means silent leases default to owner-expansive duty — proactive lease audit is the operational lever. Post-2025 mixed-use ruling adds disclosure-compliance dimension that lender schedules increasingly call out.

Claims History (Last 5 Years)

Texas building owner claims history runs through underwriting alongside comparative-fault allocation reality. A clean 5-year loss history sits differently in carrier appetite than a history with deferred-maintenance comparative-fault settlements — Texas courts read inspection-records patterns as evidence supporting partial owner liability even on triple-net-assigned tenant duty. Water-intrusion and mold claims on Houston Class A and Dallas Deep Ellum stock carry weight given Texas humidity. Hurricane Harvey-aftermath claim history compounds the carrier-appetite picture on Houston-metro properties. Hailstorm claim history on DFW and Austin properties drives carrier-appetite differentiation distinct from coastal patterns.

Local

Cities We Serve in Texas

We write LRO insurance for commercial landlords across Texas, including these major metro areas.

Houston, TXDallas, TXSan Antonio, TXAustin, TXFort Worth, TXEl Paso, TXArlington, TXPlano, TX

Nearby

Commercial Landlord Insurance in Nearby States

We also write LRO insurance for commercial landlords in these neighboring states.

TexasColoradoTennesseeGeorgia

National Footprint

LRO States We Serve

We write commercial landlord insurance across our 29-state licensed footprint.

ArizonaCaliforniaColoradoDelawareGeorgiaIdahoIllinoisIowaMarylandMichiganMinnesotaMissouriMontanaNevadaNew JerseyNorth CarolinaOhioOklahomaOregonPennsylvaniaSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaWashingtonWisconsinWyoming

Cross-Hub

Other Texas Commercial Insurance

We also specialize in these commercial insurance programs for Texas businesses.

All Texas Insurance

Overview of all commercial insurance options in Texas.

Learn More →

Contractor Insurance

General liability, workers' comp, and commercial auto for contractors.

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Restaurant Insurance

Liquor liability, property, and workers' comp for food service businesses.

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HOA Insurance

Master policies, D&O, and fidelity bonds for homeowners associations.

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Cyber Insurance

Data breach response, ransomware, and privacy law coverage.

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Building owner and broker reviewing a lessors risk program before binding

Ready When You Are

We'll review your leases, compare carriers, and walk you through your LRO coverage options for Texas commercial properties.

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