Business Insurance for Houston and Texas Businesses

Commercial Insurance Built Around Your Business

TWFG Khan Insurance Services is an independent commercial insurance agency serving businesses across Houston, Texas, and the Gulf Coast. We help small and mid-sized companies manage complex risks through commercial insurance programs built around their operations, contracts, employees, property, vehicles, and equipment.

Our experience includes maritime, oil and gas, construction, manufacturing, and armed security insurance. We also support PE-backed portfolio companies with commercial coverage, compliance guidance, and responsive Certificate of Insurance service.

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Business Insurance for Houston and Texas Companies

Business insurance is not one policy that works for every company. Your coverage should reflect how your business operates, where you work, what you own, who you employ, and what your contracts require. TWFG helps businesses review coverage for:

Third-party bodily injury and property damage.
Business property and equipment.
Employee injuries and occupational risks.
Company vehicles and commercial fleets.
Pollution and environmental exposures.
Professional services and errors.
Maritime and waterfront operations.
Contractual insurance requirements.
Business interruption and income loss.
High-value or specialized operations.

Whether you operate from an office, manage a fleet, work at industrial sites, or perform services for large commercial clients, we help you explore insurance options suited to your business.

Who We Serve

We work with Houston and Texas businesses that face complex operational, contractual, and liability risks. Our clients include energy companies, maritime businesses, contractors, manufacturers, security firms, transportation companies, and other specialized commercial operations.

Commercial Insurance for High-Risk Industries

TWFG Khan Insurance Services helps businesses manage the insurance requirements that come with complex operations, contractual obligations, specialized equipment, employees, and high-severity risks.

Maritime Liability Insurance

Specialized coverage for vessels, crews, marine contractors, terminals, shipyards, and waterfront operations.

Depending on the operation, coverage may involve marine liability, vessel risks, USL&H, Maritime Employers Liability, Jones Act-related exposures, and other maritime requirements.

Oil & Gas Insurance

Commercial insurance for operators, oilfield service contractors, pipeline companies, equipment businesses, haulers, and Gulf Coast support companies.

Potential coverage may include general liability, pollution liability, control of well/OEE, commercial auto, inland marine, excess liability, workers’ compensation, and maritime coverage where applicable.

Construction Insurance

Coverage options for general contractors, subcontractors, developers, and specialty trades.

A construction insurance program may include Contractor General Liability, Builders Risk, OCIP and CCIP wrap-ups, Subcontractor insurance requirements, Roofing programs and contract or certificate support.

Manufacturing Insurance

Insurance for manufacturers, fabricators, industrial businesses, and companies with property, equipment, product, and operational exposures.

Coverage may include commercial property, product liability, equipment breakdown, workers’ compensation, and business interruption where appropriate.

Armed Security Insurance

Commercial insurance for armed and unarmed security companies serving businesses, facilities, events, and private clients.

Depending on the operation, coverage may include general liability, Assault and battery coverage, Firearms-related exposures, Employee injury risks, and Contract-required coverage.

Business Insurance Coverage Options

The policies your business needs depend on your operations and risk profile. TWFG can help you evaluate the coverage options relevant to your company.

General Liability Insurance

General Liability may help address eligible third-party claims involving: Bodily injury. Property damage. Premises and operations. Products and completed operations. Personal and advertising injury. Legal defense costs. Many landlords, customers, general contractors, and commercial partners require proof of General Liability before allowing a business to begin work.

Commercial Property Insurance

Commercial Property insurance may protect eligible business property such as: Buildings. Equipment. Inventory. Furniture. Computers. Tools. Supplies. Tenant improvements. Coverage depends on the policy, limits, deductible, location, and covered causes of loss.

Workers’ Compensation

Workers’ compensation may provide benefits for eligible employees who suffer work-related injuries or occupational illnesses. Businesses should review workers’ compensation requirements based on their state, employees, industry, and client contracts. Some commercial customers require workers’ compensation or equivalent coverage even when a particular business is not legally required to carry it.

Commercial Auto and Fleet Insurance

Commercial Auto insurance may be necessary for businesses that own, lease, or regularly use vehicles for work. Coverage may apply to: Company cars. Service trucks. Vans. Fleet vehicles. Trailers. Hired vehicles. Non-owned vehicles used for business. A personal auto policy may not provide the coverage a business needs for regular commercial use.

Professional Liability and E&O

Professional Liability, also called Errors and Omissions insurance, may help address claims alleging that professional advice, designs, analysis, or services caused a client financial loss. This coverage may be relevant for consultants, engineers, technology companies, accountants, advisors, and other professional service providers.

Pollution and Environmental Liability

Pollution insurance may be relevant to businesses that handle chemicals, fuel, waste, drilling materials, industrial substances, or environmental operations. Depending on the policy, coverage may address certain cleanup costs, third-party claims, legal defense, and pollution conditions arising from covered operations.

Inland Marine and Equipment Insurance

Inland Marine insurance may help protect tools, machinery, mobile equipment, and other property while it is being transported, stored, or used away from the business’s main location. This coverage may be important for contractors, manufacturers, energy businesses, equipment companies, and other businesses that move property between locations or job sites.

Excess and Umbrella Liability

Excess or Umbrella liability may provide additional limits above underlying liability policies. Businesses may need higher limits because of: Client contracts. Operator requirements. High-value projects. Severe loss potential. Multiple locations. Large fleets. High-risk operations.

Business Owners Policy

A Business Owners Policy, or BOP, typically combines General Liability and Commercial Property coverage into one package for eligible small and mid-sized businesses. It may also include Business Income coverage. A BOP may be suitable for some offices, retail businesses, professional firms, and lower-risk commercial operations. Higher-risk or more complex businesses may need a customized commercial insurance program instead.

Why Businesses Choose TWFG Khan Insurance Services

High-Risk Commercial Expertise

We focus on industries where insurance requirements can be more complex, including maritime, oil and gas, construction, manufacturing, and armed security.

Access to Admitted and E&S Markets

We work with available admitted and excess and surplus lines markets, including Lloyd’s, Travelers, The Hartford, Liberty Mutual, Nationwide, Great American, RLI, AmTrust, Hallmark, James River, Ironshore, Berkley Offshore, AXA, and Westchester.

Coverage availability depends on the business, underwriting requirements, policy terms, and the market selected.

Jones Act, USL&H, and MEL Experience

We help businesses evaluate specialized maritime workers’ compensation and liability exposures, including Jones Act, USL&H, and Maritime Employers Liability requirements.

OCIP and CCIP Support

We support construction insurance programs involving Owner-Controlled Insurance Programs and Contractor-Controlled Insurance Programs.

Fast COIs and Compliance Support

We help businesses obtain Certificates of Insurance and address contract-driven requirements. Keep any specific turnaround time only if it is approved and consistently achievable.

Dedicated Advisor Support

You work with a dedicated advisor who helps you review your insurance needs, contract requirements, coverage changes, renewals, and Certificate of Insurance requests.

Learn more about our commercial insurance approach, compliance support, fast COIs, and dedicated advisor model.

How We Help You Get Covered

We make the process straightforward, from the first conversation to coverage placement and ongoing support.

1

Tell Us About Your Business

We identify the insurance requirements and exposures connected with your work, including contractual, property, employee, vehicle, maritime, energy, or construction risks.

2

Review Your Risks

We review the exposures, limits, exclusions, endorsements, and contract requirements relevant to your business.

3

Explore Available Markets

We review available admitted and E&S market options based on your business, coverage needs, and underwriting requirements.

4

Get Your Quote and Documents

Once you select an option, we help finalize the policy, provide documentation, and support qualifying COI and compliance requests.

Business Insurance in Houston, Texas, and the Gulf Coast

We are based in Houston and serve small and mid-sized businesses across Texas and the Gulf Coast. Our commercial insurance experience is especially relevant for businesses connected to:

The Houston Energy Corridor.
The Houston Ship Channel.
Gulf Coast ports.
Texas construction projects.
Industrial and manufacturing facilities.
Oilfield and pipeline operations.
Maritime and offshore support.
PE-backed operating companies.

We help you review commercial insurance options based on your operations, contracts, property, employees, vehicles, equipment, and specialized risks.

Meet Sameer Khan

Sameer Khan is the owner of TWFG Khan Insurance Services and a licensed Texas insurance agent. He leads an independent commercial insurance agency focused on high-risk industries, including maritime, oil and gas, construction, manufacturing, and armed security.

TWFG Khan Insurance Services operates under the TWFG, or The Woodlands Financial Group, network and was founded in 2009.

Trusted by High-Risk Businesses Across Texas

From oilfields to construction sites, our clients count on us for fast service, industry-specific guidance, and unmatched support. See why companies choose TWFG Khan to protect what matters most.

    
 
 
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   Rudy Rivas 
 
 
 
 Trustindex verifies that the original source of the review is Google. When we had a minor incident on-site, I expected a headache. Instead, I got a call from TWFG checking on us before I even had the claim paperwork ready. It was surprisingly personal and handled fast.
  
 
      Posted on Google  
   
   Nerva Edwards 
 
 
 
 Trustindex verifies that the original source of the review is Google. Clear policies. Fast responses. No upselling. Just solid commercial insurance that works. That’s all I wanted, and that’s exactly what I got.
  
 
      Posted on Google  
   
   Taylen Rucker 
 
 
 
 Trustindex verifies that the original source of the review is Google. We’ve been insured through TWFG Khan for over three years now, and I can honestly say they treat our business like it’s their own. They’ve walked us through multiple policy adjustments as we expanded locations and services, always making sure we’re covered without overpaying. They’re not just our brokers, they’re a core part of our growth team.
  
 
      Posted on Google  
   
   Sheena Rodrigo 
 
 
 
 Trustindex verifies that the original source of the review is Google. When we had an unexpected inspection, TWFG didn’t panic, they responded quickly, got our documents in order, and guided us through the process without a hiccup. It felt like having a calm friend who knows exactly what to do.
  
 
      Posted on Google  
   
   Renee Hopkins 
 
 
 
 Trustindex verifies that the original source of the review is Google. Efficient, knowledgeable, and friendly. They made getting insurance for my construction project a breeze.
  
 
      Posted on Google  
   
   Blake Willis 
 
 
 
 Trustindex verifies that the original source of the review is Google. I thought getting insurance for my food truck would be a hassle, but TWFG made it as smooth as my best espresso shot. Didn’t think I’d laugh during an insurance call, but here we are. Five stars for keeping it professional and human.
  
 
      Posted on Google  
   
   Casey Bowie 
 
 
 
 Trustindex verifies that the original source of the review is Google. Starting my own business was overwhelming, but they provided the support I needed. They took the time to explain every aspect of my policy, ensuring I felt confident and protected. Their genuine care and professionalism are unmatched.
  
 
      Posted on Google  
   
   Jake Cutler 
 
 
 
 Trustindex verifies that the original source of the review is Google. I needed insurance for our armed security company and had already wasted weeks talking to firms that clearly didn’t get it. TWFG Khan got everything sorted in a single call. Liability risks, employee injury coverage, handled. It felt good working with people who know what they’re doing.
  
 
  
  
 
 
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Frequently Asked Questions

What is business insurance?

Business insurance is a group of commercial policies that may protect a company from liability claims, property damage, employee injuries, vehicle accidents, equipment losses, business interruptions, and other operational risks.

What is commercial insurance?

Commercial insurance is insurance designed for business operations rather than personal risks. It may include General Liability, Commercial Property, Workers’ Compensation, Commercial Auto, Professional Liability, Pollution, Equipment, and Excess Liability coverage.

What insurance does a business need?

The answer depends on the company’s industry, operations, employees, property, vehicles, contracts, and risk profile. Many businesses review General Liability, Commercial Property, Workers’ Compensation, Commercial Auto, and Business Income coverage.

How much does business insurance cost in Texas?

The cost depends on factors such as industry, location, revenue, payroll, property values, vehicles, limits, deductibles, claims history, and coverage options. A customized review is more useful than a general price estimate.

Do high-risk businesses need more than General Liability?

Often, yes. Oil and gas, maritime, construction, manufacturing, and security businesses may need additional coverage for pollution, equipment, control of well, professional services, maritime operations, workers’ compensation, or excess liability.

Does TWFG provide Certificates of Insurance?

TWFG can assist with qualifying Certificate of Insurance requests for active policies. A certificate shows certain policy information but does not create or expand coverage.

Does TWFG help PE-backed companies?

TWFG serves small and mid-sized businesses, including PE-backed portfolio companies, with commercial insurance and risk-management support.

Does TWFG access E&S markets?

TWFG places coverage through available admitted and excess and surplus lines markets. Access and eligibility depend on the business, risk, coverage requirements, and underwriting review.

Can TWFG help with commercial insurance requirements?

TWFG can help review available policy information and client or contract requirements, including limits, certificate holders, additional insured requests, and other endorsements where applicable.

How do I request a business insurance quote?

Contact TWFG Khan Insurance Services by phone, email, or the quote request form. Be prepared to provide information about your industry, operations, employees, vehicles, property, equipment, contracts, and current coverage.

Get Business Insurance From a Houston Commercial Insurance Agency

Your insurance should reflect the way your company operates.

TWFG Khan Insurance Services helps businesses across Houston, Texas, and the Gulf Coast explore commercial insurance options for complex operations, contractual requirements, property, employees, vehicles, equipment, and specialized risks.