Tower Street Insurance
Agency overview
About Tower Street Insurance
Tower Street Insurance is a Dallas-based independent brokerage serving businesses, families, and individuals in Texas, nationwide, and internationally. Its operating model combines insurance placement with ongoing risk management, claims advocacy, employee benefits, and loss-control support. The agency works with complex commercial organizations and families whose property, liability, or geographic exposures require coordinated advice.
At a glance
Agency highlights
Nationwide Licensing
The agency states it is licensed in all 50 states.
In-House Claims Advocate
Its claims advocate brings more than 20 years of carrier-side experience.
Chubb Cornerstone Agency
Tower Street says this recognition is awarded to 2% of agencies.
Shopper fit
Why shoppers might consider Tower Street Insurance
Tower Street may fit businesses seeking hands-on safety and operational risk support, or families managing high-value, secondary, and geographically dispersed property. Its combination of independent brokerage, loss-control staff, claims advocacy, and multistate licensing is relevant when risks extend beyond a straightforward local policy.
Agency support
How this agency can help
Review Existing Programs
Identify gaps in current policies, endorsements, exclusions, contracts, and operational exposures.
Strengthen Workplace Safety
Develop safety programs, conduct site evaluations, and prepare teams for OSHA requirements.
Manage Fleet Risk
Implement driver programs, telematics, coaching, and accident investigation procedures.
Plan for Disruption
Assess business continuity vulnerabilities and develop emergency response and recovery strategies.
Demonstrated specialties
Where this agency stands out
High-Value Home Risk
Tower Street demonstrates a focus on homes with rebuilding values around $1 million or more. Its cited options include guaranteed replacement cost, cash settlement after a total loss, enhanced water protection, valuable-articles treatment, and wildfire defense services for households with complex property exposures.
Commercial Loss Control
The agency maintains a dedicated loss-control offering spanning workplace safety, jobsite inspections, industrial hygiene, fleet monitoring, property assessments, and continuity planning. Its leadership-driven process scores existing practices, identifies priorities, and evaluates improvements across multiple lines of coverage rather than treating safety as a single-policy issue.
Insurance offered
Coverages
Auto insurance
Business insurance
Business interruption and continuity coverage
Business owner's policy
Commercial auto
Commercial property insurance
Condo insurance
Cyber insurance
Employee benefits
Flood insurance
General liability
Homeowners insurance
Life insurance
Management liability
Personal cyber and identity fraud
Professional liability
Umbrella insurance
Valuable articles
Wind and hail insurance
Workers’ compensation
Who this agency serves
Clients and risks served
Commercial real estate
Construction and trades
General contractors
Healthcare and social services
High-value homes
Landlords and real estate investors
Manufacturing and distribution
Professional services
Secondary and vacation homes
How the agency can help
Services
Contract review
Property risk-management services
Safety/loss-control support
Wildfire placement and mitigation support
Where coverage may be placed
Placement options
Cash settlement option
Extended or guaranteed replacement cost
