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We understand that you have many choices in agencies that provide insurance. However, the number of agencies that work for you and not the insurance companies are considerably less. “We Work For You”.

Business Insurance in Houston Texas

Every business, whether new or old, big or small, faces certain risks on a daily basis. Even a single lawsuit or accident can have disastrous consequences. This is why it is essential for every entrepreneur to have the right insurance policies in place for their organization. We, at Employers Risk Insurance, are seasoned insurance experts, with over 30 years of experience in evaluating businesses and their insurance needs. We provide a wide range of insurance products for companies in Houston TX, including but not limited to workers compensation, commercial general liability, commercial property, business interruption & commercial auto.

We are a one stop shop for all commercial insurance needs. We are a small agency so we offer more personalized customer service. You will be greeted with a live person answering the phone and not a recording. We represent all the major carriers to provide the most value to our customers.

Workers Compensation & Commercial General Liability Insurance in Texas

For any small business, workers compensation & general liability are two of the most important forms of insurance. Workers compensation insurance covers medical bills and partial wages for employees injured during work and thereby protects your business from any potential lawsuits. On the other hand, general liability insurance safeguards your company from certain unavoidable liabilities, such as bodily injury sustained by vistors to your premesis, accidental damage caused to someone’s property by your business, and slander, libel & trademark infringement.

Employers Risk Insurance situated in Houston TX is your best option for work comp, general liability and other commercial insurance if your business is located in the state of Texas. The founder of our firm, Warren Alan Howell, has more than 47 years of experience of providing safety and human resources support to companies from a variety of industries. Also, our agency is exclusive to Texas. Our team has deep knowledge about the laws and regulations here and you can benefit from our highly personalized customer service.

Get the best value from your investment. Browse through our services and feel free to get in touch with us with any questions you may have.

Erisa Plans - Worker's Compensation Insurance

Erisa Plans

These plans are actually agreements between the company and its employees as to what benefits they receive as a result of an injury and what conditions must be satisfied to receive compensation. Its these agreements we insure as a viable alternative to Worker's Compensation Insurance.

HR Support – Business Insurance

HR Support

The owner of Employers Risk Insurance has over 47 years of experience in a variety of industries. Our clients find him to be a valuable resource in dealing with all types of personnel issues.

Commercial Lines - General Liability Insurance

Commercial Lines

We provide all types of commercial insurance including but not limited to the following: Statutory Workers Compensation ( Subscription to W/C), Alternative to Workers Compensation ( Non-Subscription W/C) Commercial Auto, General Liability, Property, Directors and Officers (D&O), Employment Practices (EPLI).

  • We fully understand how important it is to have a close relationship with an agency that works in your best interest. We promise to be that agency.
    - Warren Howell