Insurance Agency for San Marcos, TX

Business insurance for San Marcos companies

Here's what we place for San Marcos businesses:

• General liability. Written to the job and the contract, with additional insured and waiver wording that matches what your customer asks for.
• Commercial auto. We can quote work trucks, vans and trailers for small trades today. See commercial auto insurance in Texas.
• Business owners policy (BOP). We can quote shops and offices today. See business owners policy in Texas.
• Workers' comp. In Texas most private employers can choose. See general liability vs workers' comp.
• Surety bonds. License, bid, performance and payment bonds. See Texas surety bonds.
• Flood. A separate policy for the building and contents. See flood insurance.

Licensed trades

Plumbing contractors: we can quote you today. See plumbing contractor insurance in Texas. HVAC and electrical contractors, and contractors who need an umbrella: ask us, and we'll tell you what we can look at. For the general picture, see contractor insurance in Texas.

Bidding a City of San Marcos or Hays County job?

On Texas public work, a governmental entity must require a performance bond on contracts over $100,000 and a payment bond over $25,000, or over $50,000 for a municipality. So City of San Marcos jobs use the $50,000 payment-bond threshold, and Hays County jobs use $25,000. Both bonds equal the contract amount (Texas Government Code §2253.021).

Home and auto insurance for San Marcos owners

Yes. We write home and auto insurance in Texas for San Marcos business owners, their families and people they refer. Hays County isn't in the Texas Windstorm Insurance Association's coastal area, so wind and hail coverage comes from your homeowners policy. On auto, Texas requires at least 30/60/25 liability; most owners carry more.

For wind and hail deductibles and the Texas FAIR Plan, see Hill Country home insurance. For cars, see auto insurance in Texas.

Flood in San Marcos: what to check

Standard home and business property policies in Texas don't cover flood. The City of San Marcos says local flooding comes mainly from the San Marcos River, the Blanco River and Purgatory Creek, often with little warning. Check your address on the City's floodplain resources or FEMA's map, and remember most new flood policies wait 30 days.

• The City's FAQ says the City doesn't require flood insurance, but mortgages require it for structures in a regulated floodplain.
• During the Memorial Day 2015 flood, the National Weather Service issued a Flash Flood Emergency for San Marcos at 1:25 a.m. on May 24.
• FloodSmart says NFIP business coverage goes up to $500,000 for the building and $500,000 for contents, and NFIP doesn't cover business interruption.

Look up your property on the City of San Marcos floodplain page and FEMA's flood map, then see our flood insurance page.

Why an independent agency for San Marcos

We're not tied to one insurance company, so we shop your coverage with several carriers and show you the options. Everything is handled by text and email, from documents to signatures to certificates, so you have it in writing.

Also serving New Braunfels, Boerne and the rest of the Hill Country. Everything we place is on our coverage page.

San Marcos insurance FAQ