Business insurance
Property, liability, auto, workers’ compensation, and the core protection that keeps your operation moving.
Discuss your business ↗
Howard Agency InsuranceRequest a coverage review ↗Commercial insurance, made personal
Protect what you’re building.
Straight answers. Honest advice. Coverage built around the way your business really works.
20+Years of commercial
insurance experience
insurance experience
ARated carriers
or better
or better
100%Independent,
client-first advice
client-first advice
Built forYour businessRisk understood.
Coverage clarified.
Coverage clarified.
Independent by designMore options. Better fit.
What we protect
The right coverage starts with the right questions.
Insurance should reflect your actual risks—not a generic checklist. We bring decades of experience, a curated carrier network, and the curiosity to understand what makes your business different.
Employee benefits
Competitive benefit strategies that help you attract great people, retain them, and keep pace with the market.
Strengthen your benefits ↗Specialty risk
Targeted coverage for complex exposures—from cyber and E&O to D&O, international, and environmental liability.
See specialty solutions ↓Since2003Family owned
Texas founded
Texas founded
Why Howard
Experience you can feel.
Independence you can trust.
The Howard Agency is a full-service, family-owned independent agency. Since 2003, we’ve helped businesses across the country make smarter insurance decisions—with their interests first, always.
“We use every resource available to best serve our clients.”
✓ Carrier relationships built over decades✓ Carefully selected, highly rated markets✓ Advice grounded in 20+ years of experience✓ A singular focus on commercial insurance
Our approach
Less complexity.
More confidence.
You don’t need to become an insurance expert. You need an advisor who can translate the fine print and help you make a sound decision.
Start with the business
We listen first—how you operate, where you are growing, and what keeps you up at night.
Find the right markets
As an independent agency, we use our relationships to identify strong-fit carriers and options.
Make the choice clear
You get straight answers, honest advice, and a coverage plan you can actually understand.
Specialty expertise
When the risk isn’t standard.
Some of the most important protection sits beyond a standard package. We help identify the exposures that are easy to miss.
01Cyber & privacy+
Coverage for data breaches, privacy liability, security failures, and the cost of responding.
02Employment practices+
Protection for claims involving termination, harassment, discrimination, wage and hour issues, and more.
03Directors & officers+
Coverage for leaders—and the entity itself—against civil lawsuits, investigations, and regulatory actions.
04Professional E&O+
Protection when a professional error or omission causes a third party to suffer an economic loss.
05Environmental liability+
Help with bodily injury, property damage, cleanup, defense expenses, and remediation overruns.
06International liability+
Coverage structured for businesses with overseas operations, sales, manufacturing, or partnerships.
A smarter next step
Let’s find the gaps
before they find you.
A focused conversation can reveal a lot. Tell us what you’re protecting, and we’ll help you understand what deserves a closer look.
Call 512.520.0253 ↗