Coverage engineered for your operations.

Most Texas businesses need a foundation of general liability and commercial property coverage. From there, coverage stacks based on operations. Businesses with employees need workers compensation. Businesses with vehicles need commercial auto. Businesses with client data need cyber liability. Service businesses often need professional liability or errors and omissions. McDade pressure tests which combination fits your actual operations against 50+ top Texas carriers we know well.

Your experience modifier (Mod) is a multiplier applied to your workers compensation premium based on three years of claim history. A Mod of 1.0 is industry average. A Mod above 1.0 means you pay more than average. A Mod below 1.0 means you pay less. Many Texas contractors pay inflated premiums because their Mod is wrong, their class codes are misclassified, or their claim history needs to be audited. McDade audits Mods before every renewal. A recovered Mod often pays for the next three years of premium.

General liability covers physical injuries and property damage caused by your business operations. Professional liability (also called errors and omissions or E&O) covers financial losses caused by your professional advice, services, or work product. A contractor needs general liability for an injured visitor. An accountant needs professional liability for a tax filing error. Most service-based businesses need both. We translate the contract before claim time so you know which exposures your operations actually create.

If your business stores customer data, processes payments, uses email, or relies on computer systems, you have cyber exposure. Texas businesses are increasingly targeted by ransomware, business email compromise, and data breach attacks. Cyber liability covers breach response costs, regulatory penalties, business interruption, and third-party damages. The cost of a small business cyber breach often exceeds 100,000 dollars. The cost of cyber coverage is a fraction of that. Most general liability policies do not cover cyber events.

A Business Owners Policy (BOP) bundles general liability and commercial property into a single package, often with business interruption coverage included. BOPs work well for small to mid-sized businesses with simpler operations including retailers, professional offices, and small service firms. Larger businesses, businesses with significant fleet operations, or businesses with specialized exposures often need stand-alone policies built around their specific risks. We help you decide whether a BOP fits or whether your operations need separately structured coverage.

Yes. McDade writes coverage for Texas private schools, microschools, and educational programs. School insurance requires specialized coverage including educators liability, abuse and molestation, student accident, directors and officers, and student transportation. As Texas's Education Savings Account program scales, McDade is positioned to support new and growing schools. Charles McDade serves on the board of the Independent Insurance Agents of Houston, where the evolving education funding landscape is part of the discussion.

Texas commercial premiums remain elevated coming out of 2024 and 2025. Hard market conditions persist in commercial property, particularly for properties with prior weather claims, older roofs, or exposure to hail-prone counties. Workers compensation rates have stabilized in most class codes but underwriting has tightened. Cyber liability rates have softened from the 2022 to 2023 peaks but coverage terms have narrowed. Auto liability for vehicles over 10,000 pounds remains difficult. The right strategy varies by industry and risk profile. We pressure test the renewal and tell you whether to stay, restructure, or remarket.

The commercial audit is free. Any brokerage fees on commercial placements are disclosed upfront before any coverage is bound. This is different from McDade's personal lines policy. Personal lines clients are never charged a broker fee. On commercial accounts, fee structures vary based on the size and complexity of the placement, the carrier compensation structure, and the services included. Whatever the structure, you see the math before you sign anything.