Why generic business insurance leaves gaps
Off-the-shelf business policies are written for hypothetical companies. Your business is not hypothetical. A bakery and a software firm both need general liability, but their property exposure, business-interruption math, and product-liability risk are completely different.
NGME's commercial team starts with a conversation — what you make, where you operate, who works for you, how cash flows, and what would shut the doors. The policy comes after.
Core commercial coverages
Most businesses we insure start with some combination of:
- Business Owner's Policy (BOP) — bundles general liability and commercial property into one cost-efficient package; ideal for most small-to-mid businesses.
- General liability — third-party bodily injury, property damage, advertising injury.
- Commercial property — building, contents, inventory, leased equipment.
- Business interruption — replaces lost income while you rebuild after a covered loss.
- Crime insurance — employee theft, forgery, money & securities.
- Equipment breakdown — mechanical and electrical failure of business-critical equipment.
- Commercial auto & fleet — see our auto coverage page.
- Workers' compensation — required by Texas law for most employers; we shop dedicated workers' comp markets.
- Cyber liability — first-party (data restoration, ransomware, business interruption) and third-party (notification, regulatory fines).
- Professional liability (E&O) — for advisors, consultants, designers, and licensed professionals.
Industry-specific programs
We write specialized programs across every major industry:
- Manufacturing & production
- Office buildings & commercial real estate
- Professional services (legal, accounting, design, consulting)
- Restaurants & food service
- Retail outlets & e-commerce
- Sports, recreation, & events
- Transportation, trucking & fleet
- Healthcare, dental, & medical practices
- Contractors & construction
Pay only for the coverage you need
It's an insurance broker's job to recommend coverage. It's our job to recommend the right coverage. We've audited many business policies where the client was paying for limits or endorsements that didn't match their operation — and we've quietly trimmed premiums without reducing real protection.
If a coverage doesn't earn its place in your program, we'll tell you. Insurance is a tool, not a tax.
Risk management beyond the policy
The cheapest claim is the one that never happens. We share carrier-funded resources — written safety programs, OSHA compliance templates, return-to-work plans, employee training portals, and cyber-hygiene assessments — that meaningfully reduce your loss ratio over time. Lower losses mean better renewals.
Frequently asked questions
Is a BOP enough, or do I need separate policies?
A BOP covers most small businesses' biggest exposures (GL + property + business interruption) in one package, but it has caps. If you have significant inventory, multiple locations, or specialized equipment, you'll likely outgrow a BOP and benefit from a standalone commercial package.
Do I need workers' comp if I only have a few employees?
Texas is unusual — workers' comp isn't mandatory for most private employers, but skipping it exposes you to direct lawsuits with no liability cap. For nearly every business we insure, the cost of workers' comp is dramatically lower than the risk of going without it.
How quickly can a new business get bound?
Simple BOPs can often be bound the same day. Complex programs with multiple coverages or specialty lines typically take 3–7 business days for proper underwriting and quote comparison.
Will you review my existing coverage at no charge?
Yes. Send us your current declarations pages and we'll do a free side-by-side gap analysis. About 7 in 10 businesses we audit have either an unnecessary coverage or a meaningful gap we can fix.
What happens if I expand to multiple states?
We're licensed across Texas and partner with national carriers. As you expand, we coordinate multi-state filings, workers' comp jurisdiction, and any state-specific endorsements your policy needs.