Texas
Insurance Specialists, Inc.
__________________________________
5271 Memorial Drive, Suite 102
Houston, Texas 77007
Main: 866-514-6850
Facsimile: 866-839-5373
Email: contact_tcis-inc.com
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First Time User? Click for LOGIN INSTRUCTIONS
"Talent wins games, but teamwork and intelligence wins
championships." ~ Michael Jordan
Our Mission Statement is Simple :
To secure our clientele the most comprehensive and most appropriate commercial insurance package with the least amount of exclusions, lowest deductibles, and at the most affordable possible premium via teamwork.
Our Stance as Your Agent:
The team at Texas Commercial Insurance Specialists, Inc. is grounded in their commitment to provide the best possible insurance service to our clients. We are a wholesale retail agency that works directly for you, and not the insurance companies. Our passion for the industry and desire to keep our client's best interests at heart has made our agency a leader in the commercial property and casualty insurance arena in Texas and nationwide!
Our Wholesalers
We have partnered with some of the best insurance brokerages in the nation! Every wholesaler has their realm of insurance expertise. As a result, Texas Commercial is capable of placing even the most difficult risk with an "A Rated or Better" insurance carrier(s).
To learn more about each of these insurance brokerage houses, please click on their respective icon to visit their websites.
LOGIN INSTRUCTIONS to your Premium Funding Associates account:
USERNAME: This is your ACCOUNT NUMBER and begins with "PFL"
Example: PFL-123456 (Be sure to include the dash)
PASSWORD: This is your BILLING ZIP CODE
Oil & Gas
Can a SMALL insurance agency like Texas Commercial handle a LARGE oil and gas client? ABSOLUTELY! Just like all the large commercial insurance agencies out there, we have strategic partnerships with the SAME large wholesale managing general agencies (MGA) that specialize in the oil/gas industry. The salaried account representative with 5 years insurance experience at that large agency is NOT designing policies for the large oil and gas client, it's the seasoned underwriter at Burns & Wilcox, or another MGA! And the well-experienced insurance agent that is the boss of that salaried account rep? He is out playing golf...not on the front line doing paperwork.
Here is the point: Large oil and gas accounts do not need large agencies to handle their insurance needs. Burns & Wilcox is the largest MGA in the nation and Texas Commercial is partnered with their services as well as several other MGAs. As a result, we have access to all the major insurance company markets--no different than the large agencies. AND we have access to the same seasoned underwriters that can properly structure these accounts.
So where's the difference? Why give Texas Commercial a chance? Service. It's SERVICE. The 'salaried' account rep? He's off at 5PM on Friday and back at 8AM Monday. His/her boss? Well that depends. Oil and gas CEOs tend to mingle socially with executives of large agencies, but 9 times out of 10 those executives don't personally handle their client's needs and defer to the salaried agent who already clocked out. Certainly this scenario is NOT the case for all large agencies. And their are many that are wonderfully managed and staffed. But sometimes dealing with a smaller vendor can be more beneficial .
No one at Texas Commercial is salaried, there is no clock to clock-out, and none of us own a set of golf clubs. So give us a call! We have time to kill and would love to start work on your oil and gas account!
Liability Insurance
In today's litigious society, even small mishaps can result in large lawsuits. That's why general liability insurance, along with property and worker's compensation insurance, is essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage.
Under a general liability insurance policy, the insurer is obligated to pay the legal costs of a business in a covered liability claim or lawsuit. Covered liability claims include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). The insurance company also covers compensatory and general damages. Punitive damages aren't covered under general liability insurance policies because they're considered to be punishment for intentional acts.
Planes, Helicopters, and Anything Aviation
If it flys, or has anything to do with aviation, i.e. airports, flight instruction schools, hangers, etc., we got access to all the major markerts. Our partnership with Arlington/Roe & Co. gives us access to virtually every insurance company capable of insuring anything aviation related including:
Hospitality - Bars/Restaurants/Niteclubs
Our agency loves this risk class! Why? Experience. And we love to educate our clients on all the potential risks of operating a hospitality enterprise. For Example, are you covered if your waiter/waitress over serves a patron and he/she causes bodily harm to another while driving home after leaving your establishment? Are you aware of the financial consequences from a legal battle that could result? More importantly, are you confident the lowest premium insurance policy you last purchased has provided you with adequate coverage?
At Texas Commercial, we blanket all reputable carriers with a request to quote the most comprehensive hospitality commercial insurance package money can buy for your business. We then create a spreadsheet of all proposals and work 'backwards' with our clientele. Because every client cannot afford the most comprehensive coverages available, we provide our clients first with numerous options at the best money can buy. Then we explain the importance of all coverages and let our clients tell us what risk aspects they want coverage to protect against and which areas they are willing to self-insure. By working "backwards", the most comprehensive commercial insurance package, custom tailored to any one client, and working within their budget, can be achieved.
Sign coverage! The lack of sign coverage is always is a shocker for our new clients when we show them that in an effort to just sell them lowest premium policy, their current agent deleted coverage to that $100k main sign at the entrance to their strip center at their last renewal. Luckily most of these signs survived IKE!
Sky scrapers, apartment complexes, strip centers, gas stations, etc. If it has walls, a roof, and a sign out front, Texas Commercial has you covered on your commercial property insurance. For the risks located along the Texas coastline, it is all about the windstorm coverage. Most commercial insurance agencies here in Houston can include windstorm in their quote, but at what deductible? 5%? A 5% deductible of a building insured for $2,000,000 without sign coverage equals a mad customer when that uninsured sign is blown over on top of their building and the damage to the building does not exceed their wind deductible!
On commercial property insurance, most agencies have access to all the same carriers as we do. Policy structure is where Texas Commercial excels in this area. The next time an agent says they are quoting you the lowest premium and they really emphasize price only, ask that agent the following: What coverages am I giving up? How high are the deductibles? Why are they emphasizing only the low premium and not discussing each of your business' risk exposure elements along with options to minimize that risk via policy endorsements, removal of exclusions, and lower deductibles.
Group Health & Life Insurance
Texas Commercial is the BEST AGENCY nationwide to handle the quoting and structuring of your group health and life insurance! And yes, we are tooting our own horn here. We have partnered with a one of the top group health/life insurance agents ever to enter this area of insurance. This seasoned professional has shopped and structured group policies for a number of major corporations nationwide. He is the absolute best at his trade and personally handles all of Texas Commercial's group health and life accounts. We are lucky to have this talented individual on board with our team!
Shopping your group life and health insurance is not as easy as you think! Any salesman that hands you a quote WITHOUT doing a census of each and every one of your employees is only going to disappoint you and your employees when they hand everyone a bill double than what they originally promised. At Texas Commercial, we do all our fact finding up front with each and every employee. It's a tedious process but the end result is always in our client's best interest. And to date, we have insured every group health and life insurance account we have ever worked on. That tract record speaks to ability in this area of insurance!
Looking for a Career?
Please email your resume to contact_tcis-inc.com
All agents are "contracted" and not "employed". Income potential is mid 6-figures depending on how good you are in this field. The BEST RESUME we ever received was on a cocktail napkin that simply listed a name, phone number, and the following qualification: "I can sell!". Ironically that agent is our top producer clearing 6-figures in commission per month.
POINT: Impressive resumes do not equal success. If you have what it takes to be a Texas Commercial Insurance Specialist, your actions will speak louder than your words.
Million Dollar Plus Life Insurance
Because of the numerous requests from our existing clientele to write individual life polices as high as $100,000,000 (for one client in particular), Texas Commercial has partnered with Elite Marketing. This is a Managing General Agency that specializes in life insurance. They have access to all the major carriers and can insure even the most difficult client.
And for the high net worth client that wants to replace hard earned funds consumed in the estate tax for his family, Texas Commercial has partnered with yet another guru that has mastered this field of insurance. Loosing half your estate to the government DOES NOT have to be an option IF you plan appropriately. Once again, Texas Commercial has you covered if you ready to prepare for the inevitable.
It costs you nothing to contact our office and see what Texas Commercial can do for you and your business! We are here and ready to help you meet all your insurance needs!
Yachts - Tankers - Marinas - and Anything LARGE that Floats
There are only a small number of commercial insurance carriers that insure million-dollar boats and marinas. NONE of these carriers advertise on TV. NONE of these carriers sell directly to the public. To insure these types of risks, you have to go thru an agency that has access to these specialty carriers. Texas Commercial is contracted with one of the largest marine insurance wholesalers in the nation! We can quickly submit your risk to this wholesaler and obtain competitive proposals from all the specialty marine insurance carriers with one submission. No need to call several agents to get several bids. Just call Texas Commercial and let us handle all your marine insurance shopping!
Commercial Auto Insurance
Most direct insurance writers (i.e. State Farm, Allstate, Farmer's, etc.) are unable to insure certain commercial vehicles such as dump trucks, tractor trailers, and ambulances. For all commercial vehicle risks that uninsurable thru the standard market, Texas Commercial has you covered. If you have a commercial vehicler risk that most insurance carriers decline to quote, give us a call. We have access to all the commercial auto insurance carriers that ONLY insure specialty vehicles!
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