Looking for business insurance in Houston, TX? Lightyear Insurance Group is an independent agency serving Houston businesses with general liability, workers comp, D&O, and more. Get a quote today.
Business insurance in Houston, TX.
Houston is one of the most dynamic business environments in the United States — and one of the most complex when it comes to risk. From the energy corridor to the Texas Medical Center, from the Port of Houston to the thousands of contractors, restaurants, and small businesses that power the local economy, Houston businesses face risks that require more than a generic insurance policy.
Lightyear Insurance Group is a Houston-based independent insurance agency located in the heart of downtown at 440 Louisiana Street. We work with business owners across Greater Houston to build insurance programs that match your industry, your size, and your budget — shopping multiple carriers to find you the best combination of coverage and price.
Ben Graham
Lightyear Insurance Group
440 Louisiana Street
Suite 900
Houston, TX 77002
Get a Houston business insurance quote.
Business Insurance Solutions for Houston Companies
As an independent agency, we are not tied to any single carrier. That means we shop the market on your behalf and present you with competitive options — not just whatever one company offers.
We serve Houston businesses with the following coverage solutions:
- General Liability Insurance: Protects your business from third-party claims of bodily injury, property damage, and personal injury. Required by most commercial leases and contractor agreements in Houston.
- Business Owners Policy (BOP): Combines general liability and commercial property coverage into a single, cost-effective policy. Ideal for small to mid-size Houston businesses with a physical location.
- Workers Compensation Insurance: Texas is the only state that does not require workers compensation insurance — but most general contractors, government contracts, and commercial leases require it. We help Houston employers structure the right workers comp program for their workforce.
- Directors and Officers Insurance (D&O): Protects the personal assets of executives, board members, and managers from liability arising out of their leadership decisions. Critical for Houston’s private companies, nonprofits, energy firms, and venture-backed startups.
- Commercial General Liability for Contractors: Houston’s construction market is one of the largest in the country. We specialize in GL, builders risk, contractors equipment, and umbrella coverage for Houston contractors of all sizes.
- Commercial Bonds: Surety bonds, license bonds, and contract bonds for Houston businesses and contractors. We work with multiple bonding markets to find competitive rates.
- Risk Management: Proactive risk assessment and loss control consulting to help Houston businesses reduce exposure before a claim occurs.
Industries we serve in Houston.
Houston’s economy is unlike any other city in Texas. We understand the specific insurance needs of the industries that drive it:
- Energy and Oilfield Services: Houston is the energy capital of the world. We work with upstream, midstream, and downstream energy companies, oilfield service contractors, and energy technology firms to structure comprehensive insurance programs that address the unique risks of the sector.
- Construction and Contractors: From residential remodelers to commercial general contractors, Houston’s construction industry is booming. We provide GL, workers comp, builders risk, equipment coverage, and umbrella programs for contractors throughout the Houston metro.
- Restaurants and Hospitality: Houston’s food scene is nationally recognized. We work with restaurant owners, bar operators, and hospitality businesses to cover property, liability, liquor liability, and workers comp under programs built specifically for the industry.
- Healthcare and Medical Practices: The Texas Medical Center makes Houston the largest medical complex in the world. We serve physician practices, healthcare technology companies, and medical office operators with professional liability, general liability, and property coverage.
- Nonprofits and Faith-Based Organizations: Houston has a deep nonprofit and faith community. We help nonprofit boards, charities, churches, and foundations protect their organizations and their volunteer leadership with D&O, general liability, and property coverage.
- Manufacturing and Warehousing: Houston’s port and logistics corridor supports a large manufacturing and warehousing sector. We work with manufacturers, distributors, and logistics companies throughout the Greater Houston area.
- Professional Services: Consultants, engineers, architects, technology firms, and other professional service businesses in Houston need both general liability and professional liability coverage. We structure programs that cover both.
Why Houston businesses choose Lightyear Insurance Group.
We are local.
Our office is in downtown Houston. We know this market, we know these industries, and we understand the risks Houston businesses face every day.
We are independent.
As an independent agency, we represent multiple insurance carriers — not just one. That means we shop the market on your behalf and present you with the best options available, not just whatever a single company offers.
We are experienced.
Our team brings deep industry knowledge and a consultative approach to every client relationship. We don’t just sell policies — we help you understand your risks and build a program that actually protects your business.
We serve businesses of all sizes.
From startups and sole proprietors to mid-size companies with complex risk profiles, we work with Houston businesses at every stage of growth.
We are licensed in Texas and Oklahoma and serve businesses throughout both states.
Serving the Greater Houston Area.
- Houston
- Sugar Land
- The Woodlands
- Katy
- Pearland
- Pasadena
- Baytown
- League City
- Missouri City
- Friendswood
- Humble
- Conroe
- Spring
- Cypress
- Stafford
- Galveston
- Clear Lake
- Midtown
- Montrose
- River Oaks
- Energy Corridor
- Greenway Plaza
- Galleria
- Downtown Houston
Get a business insurance quote in Houston.
Whether you are starting a new business, reviewing your existing coverage, or facing a specific risk you need addressed, Lightyear Insurance Group is ready to help.
Fill out the form below or contact us directly — we typically respond within one business day.
Ben Graham
Lightyear Insurance Group
440 Louisiana Street
Suite 900
Houston, TX 77002
Hours: Monday–Friday, 9AM–7PM
Request a Quote
Lightyear Insurance Group is an independent insurance agency licensed in Texas and Oklahoma.
We are licensed in Texas and Oklahoma and serve businesses throughout both states.
Frequently Asked Questions
Does Texas require businesses to carry general liability insurance?
Texas does not mandate general liability insurance by state law. However, most commercial landlords, general contractors, and government agencies require it as a condition of leasing, subcontracting, or bidding on projects. For most Houston businesses, GL is an essential foundation of their insurance program.
Is workers compensation insurance required in Texas?
Texas is unique — it is the only state that does not require most private employers to carry workers compensation insurance. However, many Houston contractors are required to carry it by their clients, and state and local government contractors are typically required to carry it by law. We help Houston employers navigate workers comp requirements and find competitive programs.
How much does business insurance cost in Houston?
Business insurance costs vary widely based on industry, revenue, number of employees, coverage types, and claims history. A small Houston service business might pay $500–$1,500 per year for a basic BOP, while a mid-size contractor might pay $10,000–$50,000 or more for a comprehensive program. The best way to get an accurate number is to request a quote — we shop multiple carriers and present you with competitive options.
What is an independent insurance agency?
An independent insurance agency like Lightyear Insurance Group represents multiple insurance carriers rather than being captive to a single company. That means we can shop the market on your behalf and present you with competitive options across multiple carriers — giving you more choice and better pricing than a captive agent can offer.
Do you serve businesses outside of Houston?
Yes. While our office is in Houston, we serve businesses throughout Texas and Oklahoma. We work with clients in Dallas, San Antonio, Austin, and across the state, and we are fully licensed in both Texas and Oklahoma.
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