Top Tex Insurance
Agency overview
About Top Tex Insurance
Top Tex Insurance is a Houston agency serving individuals, families, businesses, and heavy construction contractors across Houston and neighboring communities. Operating since 1994, the agency tailors personal and commercial policies to clients’ assets and operational risks, including primary and vacation properties, vehicles, employees, equipment, and goods in transit.
At a glance
Agency highlights
Serving Since 1994
The agency reports more than 25 years of experience in the Houston area.
Contractor Risk Experience
Top Tex addresses the distinct insurance needs of Houston heavy construction contractors.
Flexible Cargo Protection
Cargo policies can reflect shipment value, sensitivity, and land, sea, or air transit.
Shopper fit
Why shoppers might consider Top Tex Insurance
Top Tex may fit Houston-area households with varied property and vehicle risks, as well as businesses needing coordinated protection for property, liability, employees, operations, or transported goods. Its clearest differentiation is experience helping heavy construction contractors navigate equipment-related exposures.
Agency support
How this agency can help
Review Business Gaps
Have existing commercial policies reviewed for potentially missing protection.
Protect Construction Projects
Arrange builder’s risk, liability, equipment, and other contractor-related coverage.
Cover Transported Goods
Tailor cargo protection around shipment value, sensitivity, and transportation method.
Insure Multiple Properties
Discuss protection for primary residences, vacation homes, condos, and valuable belongings.
Demonstrated specialties
Where this agency stands out
Heavy Construction Contractors
Top Tex demonstrates a specialty in Houston’s heavy construction sector, citing experience with the risks contractors face and the complexity of heavy-equipment insurance. Its capabilities include protection for owned or borrowed tools, equipment losses during jobs, cleanup costs, builder’s risk, liability, commercial vehicles, and bonds.
Insurance offered
Coverages
Auto insurance
Boat insurance
Builder's risk
Business interruption and continuity coverage
Business owner's policy
Cargo insurance
Commercial auto
Commercial property insurance
Garage liability and garagekeepers insurance
General liability
Homeowners insurance
Motorcycle insurance
Professional liability
Surety and bonds
Tools and equipment
Umbrella insurance
Workers’ compensation
Who this agency serves
Clients and risks served
Secondary and vacation homes
Teen and new drivers
