We work with tradespeople, restaurant owners, and HOA boards across Texas to put together business insurance that matches the risk on the ground — not a generic policy pulled off a shelf.
Each one carries different exposure. We don't sell a single template policy across all of them — we start from what could actually go wrong in your line of work.
Plumbers, HVAC techs, electricians, mechanics, and other crews working on job sites and in customer homes every day.
Independent restaurants, cafes, and food service operators managing kitchens, staff, and foot traffic.
Homeowners associations and their boards, responsible for shared property, amenities, and board decisions.
Three steps, no pressure to sign anything on the first call.
Send over your current policy, or tell us what you think you're covered for. We'll tell you plainly where the gaps are.
We compare options across nationally rated carriers to find coverage that actually fits your risk and your budget.
If it makes sense, we bind coverage and stay your point of contact — not a call center — going forward.
We write and service business coverage statewide — wherever your business operates in Texas, we can cover it.
Jeser Garcia Insurance Agency exists to make sure Texas business owners aren't guessing about what their policy actually covers. That means asking about your operation before we talk about premiums, and telling you when a cheaper policy is a worse deal.
Backed by access to top-rated national insurance carriers, we shop coverage on your behalf instead of pushing one option — so what you end up with is built for your business, not for a quota.
Meet the agencyA short, no-obligation review of your current business coverage — general liability, property, auto, workers' comp, and anything specific to your trade.
Texas doesn't require general liability insurance by state law, but most landlords, clients, and contracts require proof of it before you can work with them. It's the base layer of protection most businesses carry first.
Texas is one of the few states where workers' comp is optional rather than mandatory for most private employers. That said, going without it removes certain legal protections for your business if an employee is injured, which is worth understanding before deciding to opt out.
General liability covers claims from third parties — injury or property damage caused by your work. A Business Owner's Policy (BOP) bundles general liability with property and business interruption coverage, protecting your own building, equipment, and income too.
It depends on your industry, payroll, revenue, claims history, and coverage limits — there's no single number that applies across contractors, restaurants, and HOAs. A short coverage checkup is the fastest way to get an actual figure for your business.