What We Offer

Insurance Solutions for Texas

From commercial enterprises to individual families, NexSurety delivers expertly crafted coverage options — backed by deep industry knowledge and a genuine commitment to your protection.

Business Protection

Commercial Insurance

Your business faces risks every day — from property damage and liability claims to business interruption. NexSurety designs commercial insurance programs that address the specific exposures of your industry, ensuring you can operate with confidence.

  • Commercial General Liability (CGL) — ISO forms, occurrence & claims-made
  • Business Owner's Policy (BOP) — bundled property & liability
  • Commercial Property — buildings, contents, business income
  • Commercial Umbrella / Excess Liability
  • Professional Liability (E&O) and D&O coverage
  • Cyber Liability and Data Breach Protection

Family & Home

Personal Lines Insurance

Your home, vehicle, and financial future deserve protection tailored to your life — not a generic policy. NexSurety reviews your specific situation and matches you with the right coverage from quality carriers, at the right price.

  • Homeowners Insurance — dwelling, personal property, liability
  • Renters Insurance — contents and personal liability
  • Personal Auto Insurance — liability, comprehensive, collision
  • Personal Umbrella Policy — extra liability protection
  • Condo & Co-op coverage
  • Valuable Items / Scheduled Personal Property

Employee Protection

Workers' Compensation

Texas employers have unique obligations under state law. NexSurety helps you navigate workers' compensation requirements — whether you're a subscriber or exploring non-subscriber alternatives — and ensures your employees are protected in the event of a workplace injury.

  • Workers' Compensation — Part A statutory benefits
  • Employers' Liability — Part B coverage (bodily injury)
  • Texas Certified Policyholder programs
  • Non-subscriber alternative programs
  • Safety program consultation and loss control
  • Classification and experience modification review

Fleet & Operations

Business Auto & Garage

Whether you operate a single company vehicle or a full commercial fleet, NexSurety provides the right auto coverages. We also specialize in garage liability and garagekeepers coverage for dealerships, repair shops, and service centers.

  • Commercial Auto Liability (Symbol 1–9 coverage designations)
  • Hired and Non-Owned Auto Liability (HNOA)
  • Commercial Fleet — comprehensive, collision, uninsured motorist
  • Garage Liability — for auto dealers and service operations
  • Garagekeepers Legal Liability — customer vehicle protection
  • Motor Carrier / Trucking liability

Specialty Coverage

Inland Marine & Specialty Lines

Standard property policies often leave gaps for equipment in transit, high-value items, or niche industries. NexSurety's specialty lines fill those gaps with precision — protecting assets that don't fit neatly into traditional policies.

  • Inland Marine — contractors' equipment, tools in transit
  • Builder's Risk — coverage during construction projects
  • Installation Floater — equipment during installation
  • Farm & Ranch Property — farm buildings, livestock, equipment
  • Equipment Breakdown (Boiler & Machinery)
  • Event / Special Event Liability

Common Questions

Frequently Asked Questions

Is NexSurety licensed in Texas?

Yes. NexSurety is a licensed Texas Property & Casualty agency, fully authorized to place coverage across the state.

How quickly can I get a quote?

For most personal lines, we can turn around a quote within 24 hours. Commercial policies may take 2–3 business days depending on complexity. Contact us today to get started.

Do you work with multiple carriers?

Yes — as an independent agency, NexSurety is not tied to any single carrier. This means we shop the market to find you the best coverage at the most competitive rate.

Can you help with an existing policy?

Absolutely. We offer policy reviews to identify gaps, redundancies, or better options. Bring your current declarations page and we'll provide an honest assessment at no cost.

What is a BOP policy?

A Business Owner's Policy (BOP) bundles commercial general liability and commercial property insurance into one package — typically at a lower cost than buying each coverage separately. Ideal for small to mid-sized businesses.

Does Texas require workers' comp?

Texas is the only state that does not mandate workers' compensation for most private employers. However, non-subscribers face significant exposure. We help you evaluate your options and obligations.

Ready for Coverage That Actually Fits?

Don't wait for a claim to find out your policy has gaps. Contact NexSurety today and let's build a coverage program you can count on.

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