$80,000
The Percentage Deductible
A 2% wind & hail deductible on a $4M building means $80,000 out of pocket before the policy pays, per building, per storm.
Commercial property and liability insurance for Texas owners.
An independent Houston agency and risk partner to Texas property owners. We build one property and liability program around your buildings, leases and lender, and explain every term before you sign.
Licensed Texas insurance agency · Independent, based in Houston · We reply within one business day
What Do You Own?
Shopping Centers
Strip centers, neighborhood plazas and single-tenant retail.
Gas Stations & C-Stores
Fueling stations, travel centers and convenience stores, with or without fuel.
Hotels & Motels
Branded and independent hotels, motels and extended-stay properties.
Apartments & Multifamily
Garden-style, mid-rise, student housing and small multifamily portfolios.
Warehouses & Industrial
Distribution, flex, light manufacturing and multi-tenant industrial.
Office & Medical
Class A–C office, medical office buildings and professional plazas.
Builders Risk
Ground-up builds, renovations and conversions for property owners.
Properties We Insure
Choose your property.
See what tends to go wrong, and the coverage owners usually carry.
- Shopping CentersStrip centers, neighborhood plazas and single-tenant retail.
- Gas Stations & C-StoresFueling stations, travel centers and convenience stores, with or without fuel.
- Hotels & MotelsBranded and independent hotels, motels and extended-stay properties.
- Apartments & MultifamilyGarden-style, mid-rise, student housing and small multifamily portfolios.
- Warehouses & IndustrialDistribution, flex, light manufacturing and multi-tenant industrial.
- Office & MedicalClass A–C office, medical office buildings and professional plazas.
- Builders RiskGround-up builds, renovations and conversions for property owners.
Multi-Property PortfoliosOwners and investors with several properties across Texas.
Our Standard
What to expect from us.
TopicWhat We DoWhat You Get
FocusTexas commercial property and owners' liability, every dayAdvice from people who know your property type
Market AccessIndependent access to standard and specialty (surplus lines) insurersYour property presented to the underwriters suited to it
Renewal PlanningWork starts well before your renewal dateTime to review terms, decide and address issues
Your ProgramProperty and liability read term by term: deductibles, valuation, exclusionsA plain-English summary before you sign
Lenders & TenantsChecked against your loan and leasesCertificates and lender evidence on request
ClaimsWe help you report and document the lossA person to call, in touch with the adjuster throughout
Markets We Work With
Standard and specialty insurers we work with directly or through wholesale partners.
The Fine Print
Three terms that decide a Texas claim.
We walk through these with you before renewal, not after a storm.
−17%
The Coinsurance Penalty
Insure a $3M building for $2M under an 80% coinsurance clause and a $500,000 claim pays only about $417,000, before the deductible.
$500K
The Flood Ceiling
Property policies exclude flood, and NFIP commercial flood stops at $500,000 per building. Larger properties need excess or private flood.
Owner's Library
Straight answers for Texas owners.
Sourced guides on property, liability and Texas risk, and 277 plain-English insurance terms, each dated.
What kinds of properties does Primesure insure?
We specialize in property and liability insurance for Texas commercial property owners: shopping centers and retail plazas, gas stations and convenience stores, hotels and motels, apartments and multifamily, warehouses and industrial buildings, office and medical buildings, construction projects, and multi-property portfolios.
Is Primesure an independent insurance agency?
Yes. We're licensed in Texas and not tied to one insurance company. We work with standard carriers and specialty (surplus lines) markets, present your property to the underwriters suited to it, and recommend the program that fits your property, your cash flow and your lender.
Do you insure liability for property owners, or only the buildings?
Both. We arrange general liability, umbrella and excess liability and, where they apply, liquor liability and storage tank pollution liability, usually coordinated with your property coverage as one program. Your leases and loan often set the minimum limits.
How long does a commercial property insurance quote take?
Our quote request takes about two minutes. We'll contact you within one business day to confirm details. Most commercial property quotes then take several business days, depending on the property and the carriers involved.
What do I need to get a commercial insurance quote?
Just the basics to start: the property type, address and your contact details. For accurate quotes, we'll later ask for your current declarations pages, five years of loss runs (your claims history from your insurer) and, for multi-tenant properties, a rent roll.
Can you help if my insurance carrier is non-renewing my property?
Yes. Non-renewals happen, especially with older roofs, coastal properties and apartments. Call early: more time lets us prepare a complete submission and gives underwriters time to review it.
Do you handle certificates of insurance and lender requirements?
Yes. We issue certificates of insurance and evidence of property for lenders, tenants and contractors, and we check your policy against your lender's written requirements.
What happens if I have a claim?
Call us first. We'll help you document the loss, report it correctly, understand your deductibles and coverage, and stay in touch with the adjuster through the claim.