What you do
A consultant, a retailer, and a contractor do not start from the same policy. The first question is the work, not the logo on the quote.
Business
Business insurance
Business insurance protects a company you own: liability, property, and the pieces that depend on the work itself. The right policy follows the operation.
Local owners of shops, offices, and trades who want a neighbor to look at the risk before a national form does.
Jason Karamath
(806) 445-2987
What I’ll look at
Liability and property
General liability and coverage for your location or tools are the usual foundation. Everything else gets added only if the operation needs it.
What you can skip
Part of the review is naming the policies that do not belong in your file. I will tell you that out loud.
Here, specifically
The Woodlands and north Houston are full of owner-operated businesses. Tell me what you do, where you do it, and whether you have employees. I’ll tell you which policies apply.
Common questions
Is a home-based business covered by my homeowners policy?
Usually only in a very limited way, and sometimes not at all. If clients visit or you sell a product, assume we need to look at a business policy.
Which business types do you write?
Bring me the operation. If I can place it, I will. If I can’t, I’ll say so rather than force it into the wrong form.
Have an insurance question?
Ask your neighbor.Tell me what you have. I’ll give you an honest opinion, including if you should leave it alone.