Insurance that runs with your business.
Protect your business, property, employees, vehicles, and operations with commercial insurance guidance built around the risks your company actually faces.
- Houston Business Focus
- Multiple Coverage Options
- Licensed Insurance Guidance
- Personalized Risk Review
- Business PropertyReview
- Commercial VehiclesReview
- Liability ExposureReview
- Workers' CompensationReview where applicable
- General Liability
- Commercial Property
- Commercial Auto
- Workers' Compensation
- Business Owner's Policy
Your business is more than a building.
Commercial insurance can help protect the different parts of your operation.
Your building, equipment and inventory
Employees and workplace risks
Cars, trucks and commercial vehicles
Liability exposures
Business interruptions and day-to-day risks
Errors, omissions and professional liability where applicable
Commercial coverage, organized.
Most businesses combine more than one policy. Here's how the pieces typically fit together.
Protect Your Operations
- General Liability
Third-party bodily injury and property damage claims connected to your operations.
- Business Owner's Policy (BOP)
General liability and property coverage packaged together for many small businesses.
- Commercial Property
Buildings, contents, equipment, and inventory you rely on to operate.
- Business Interruption
Helps address income loss following a covered event, where the coverage applies.
Protect Your People
- Workers' Compensation
Coverage for work-related injuries and illnesses, subject to state requirements.
- Employment-Related Coverage
Employment practices liability options where applicable to your business.
Protect Your Business on the Road
- Commercial Auto
Vehicles titled to or used by your business, including light fleets.
- Business Vehicle Use
Coverage considerations for employees driving on company business.
Specialized Coverage
- Professional Liability / E&O
Claims involving professional services, advice, or alleged errors.
- Cyber Liability
Data breach, ransomware, and related exposures for businesses handling sensitive data.
- Umbrella / Excess Liability
Additional limits above underlying liability policies.
Coverage availability varies by business, state, and carrier eligibility.
Built for Houston business.
From professional offices and contractors to retail, restaurants and growing local businesses, we help Houston-area business owners review commercial insurance options.
We can help determine available options based on your business, location, operations and carrier eligibility.
Businesses we can help review.
We can help review options for businesses such as these, subject to carrier eligibility and licensing.
- Contractors
- Professional Offices
- Retail
- Restaurants
- Real Estate Businesses
- Small Businesses
- Consultants
- Service Businesses
- Commercial Property Owners
One business.
Multiple risks.
A Houston business may need to think about several categories of risk at the same time — which is why a single policy rarely covers everything.
This is a hypothetical, educational example — not a real client, quote, or coverage promise. Actual coverage depends on your policy, carrier, and eligibility.
- Office or leased spaceCommercial Property / BOP
- A customer visits the locationGeneral Liability
- Employees on payrollWorkers' Compensation
- A company vehicle on the roadCommercial Auto
- Professional services delivered to clientsProfessional Liability / E&O
- Customer data stored digitallyCyber Liability
Business insurance without the runaround.
- 01
Tell Us About Your Business
Industry, location, employees, operations, vehicles, property, and current coverage.
- 02
We Review Your Risks
We identify the major insurance needs based on the information you provide.
- 03
Compare Available Options
Review available carrier and coverage options where applicable to your business.
- 04
Build Your Coverage
A licensed advisor helps explain the options and the next steps.
Need proof of insurance?
A Certificate of Insurance (COI) is a one-page document that shows evidence of the coverage your business carries — the policy type, the carrier, the limits, and the effective dates. It's often requested before you can sign a lease, start a job, or onboard as a vendor.
A certificate is evidence of coverage only. It does not change, extend, or expand what your policy covers.
- Landlords
- General contractors
- Clients
- Vendors
- Commercial contracts
Start with Nova.
Finish with a commercial insurance advisor.
Nova asks about your industry, employees, vehicles, property, and current coverage, then organizes everything so a licensed advisor can review appropriate commercial options with you.
Nova collects and organizes information only. It does not recommend policies, determine eligibility, bind coverage, or provide licensed insurance advice — a licensed advisor handles that.
Your business deserves more than a generic quote.
Different businesses face different risks. We take the time to understand how your company operates before helping you review available coverage options.
- Business Risk Review
We look at how your company actually operates before talking about policies.
- Coverage Explanation
Plain-language explanations of what each coverage does and does not do.
- Carrier Comparison
Review options from the carriers available for your business, where applicable.
- Human Advisor Support
A licensed advisor stays involved through the important decisions.
Commercial insurance questions.
What is commercial insurance?+
Commercial insurance is a group of business policies that can help protect your property, employees, vehicles, operations, and liability exposures. Most businesses combine more than one policy based on how they operate.
What does general liability insurance cover?+
General liability generally addresses third-party bodily injury and property damage claims connected to your business operations, along with related defense costs. Actual coverage, exclusions, and limits are defined by the policy you choose.
What is a Business Owner's Policy?+
A Business Owner's Policy, or BOP, packages general liability and commercial property coverage into a single policy. It is commonly used by smaller businesses that need both types of protection.
Do I need commercial auto insurance?+
If vehicles are titled to your business or used regularly for business purposes, a personal auto policy may not respond to a claim. We can review how your vehicles are used and what coverage may apply.
What is commercial property insurance?+
Commercial property coverage addresses your building, contents, equipment, and inventory against covered causes of loss. Coverage terms vary by policy and carrier.
Do I need workers' compensation?+
Workers' compensation requirements depend on your state, your industry, and how many employees you have. Some clients or contracts also require it. We can review what applies to your situation.
What is a Certificate of Insurance?+
A Certificate of Insurance (COI) is a document that shows evidence of the insurance you carry. Landlords, general contractors, clients, and vendors often request one. A certificate does not change or expand the coverage in your policy.
What's the difference between general liability and professional liability?+
General liability generally responds to bodily injury and property damage claims. Professional liability, also called errors and omissions, responds to claims involving the professional services or advice your business provides.
How do I know what coverage my business needs?+
It depends on your industry, location, employees, property, vehicles, contracts, and the services you provide. A licensed advisor can walk through your operations and help you review the options available.
How do I get started?+
Start the commercial intake or schedule a call. Share how your business operates and a licensed advisor will help you review available commercial coverage options.
Protect what you're building.
Tell us about your business and a licensed insurance advisor can help you review available commercial coverage options.
Call (281) 741-9658Need more than commercial insurance?
Commercial insurance is offered only in states where Zaki Enterprise is appropriately licensed and appointed. Coverage availability, eligibility, pricing, and underwriting decisions vary by insurance company and by individual business circumstances. Descriptions on this page are general summaries and do not modify any policy. A licensed advisor will help review the options available for your specific situation.