Commercial Insurance Quote

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Texas Commercial Insurance

We understand that small business owners like you work hard every day, taking risks to better serve your customers, employ more people, and strive to be successful. We can help you build and protect your business by providing customized insurance solutions to support you and your budget. 

Popular Business Insurance Products


Commercial Vehicle

If you use your vehicles for business, you will need this coverage. This can include traveling between job sites, making deliveries or transporting tools and equipment. It gives liability and physical damage protection for your business vehicles and trailers.


Business Owners Policy (BOP)

Business owners insurance or BOP insurance is a policy that combines property and liability coverage into one package. It’s popular among small and medium-sized businesses such as restaurants, wholesalers, retail stores, and general contractors.


Employee Benefits

Providing your employees with strong benefits is the best way to protect them and show them how much you are invested in their well-being. By offering important benefits, such as dental and vision coverages, you build loyalty and keep your best employees happy.

What’s Covered?

Texas Commercial Insurance Coverage

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Crime Insurance

This coverage helps protects your business against, burglary, robbery, forgery, computer fraud, employee dishonesty and other crimes.ed.

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Workers Compensation

This coverage can help pay for an injured employee’s medical treatment and lost wages if a job-related injury requires time off work. Workers’ compensation also can protect your business and assets.

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Umbrella Insurance

This coverage provides additional protection for your business assets by increasing the liability limit you already have with other policies.

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Employment Practices Liability

This coverage can help protect your business from employee lawsuits resulting in alleged discrimination, wrongful termination, harassment or other employment-related issues.

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Builder's Risk

This coverage helps protect your construction projects throughout every phase, from groundbreaking to ribbon cutting.

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Equipment Breakdown

This coverage helps protect you against equipment failures, including mechanical malfunctions, power surges and operator error, and any associated losses.

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Accounts Receivable

This coverage helps protect your business against losses caused by the inability to collect payment from a customer, as well as damaged accounts receivable records.

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Cyber Liability

This coverage helps offset the devastating effects of a data breach or computer attack can have on your business from a financial and reputational standpoint

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Errors & Omissions (E&O)

Errors and omissions insurance is a type of liability coverage that protects your business against client lawsuits caused by alleged negligent acts, errors or omissions. E&O insurance typically cover you, your employees and your subcontractors.

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Business Income

This coverage can help you cover payroll, pay for relocation expenses and replace lost income when a covered loss forces your business to close temporarily.

Additional Coverage Options

This coverage for businesses that make, sell or serve alcoholic beverages. It’s also known as dram shop insurance.

Employment Practices Liability Insurance protects against claims related to employee discrimination, sexual harassment, and wrongful termination.

Rideshare insurance is intended to fill the gaps between the insurance ridesharing companies, like Uber or Lyft, provide for their drivers and their drivers’ own personal policies. 

This is coverage for movable property, equipment, tools, supplies and various other goods during transport over land.

This is a voluntary benefit that employees can opt-in to which helps cover their pets’ medical expenses.

Protection for ALL types of business

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Retail Stores and Services

Whether they come to you for saddles, electronics, or auto parts, your customers depend on your store for products and expertise.


Professional Offices

From law and accounting firms to general professional services, business office insurance protects you from the unexpected events that happen in and around offices every day.


We understand the risks contractors face every day. Let us develop a commercial insurance solution tailored to help meet your varied needs.

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Auto Repair and Service

Your customers depend on you to get them back on the road. Don’t let an unexpected event threaten your day-to-day operations. 

Real Estate

Real Estate owners and managers have unique risks. We can find the best products to address the specific commercial insurance policy requirements of this industry.

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Wholesalers & Distributers

Protect your products and warehouse from fire, flood, and storms. Cover against thieves that target your inventory and damage your building.

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Food Beverage Hospitality

Spoiled food caused by a failed walk-in refrigerator could be detrimental to a business’s income. Find the right policy with Lifetime Insurance.

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Medical Clinics

Your patients are investing in health insurance for their protection. Are you doing the same for your practice? let us find you the best clinic policy. 

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Self Storage Facility

Protection against crime, equipment breakdown, customer property liability and even sales and disposal costs of former tenant abandoned property.

Are your commercial vehicles fully covered?

Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving. A commercial auto policy also can include coverage for cars you borrow or rent, as well as coverage for employees who use their cars for your business.


Select A Coverage

With our assistance, you determine the type and level of coverage that best fits your lifestyle and risk tolerance.


Get A Quote

We do all the heavy lifting to find you the most coverage at the best price based on your personal needs.

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Get Covered

Enjoy the peace of mind that you are covered and that you have a team of professionals here when you need us!

Why Rockwall Texas Loves Us!

Here are just a few of the real Google reviews from our clients.
Read more Google reviews here or leave us a review here.


I had no idea I could save this much over going straight to a single large carrier. I found the same or increased coverage and a better price. They answered every question I had and found the best price. Everything I needed from an insurance agent and more.

P.B. | McKinney TX


Very helpful and friendly staff. I moved all my insurance needs to Lifetime Insurance because of the savings and service. They helped me find the best coverage and price for my car, homeowners, boat, and even my golf cart insurance.

B.D. | Garland TX


Great experience Jon is always helpful, very professional puts together options and explains in detail how they differ. Their team is willing to go the extra mile to get me taken care of! Highly recommend...

M.H. | Rockwall TX


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