15 Years of Business Ownership Experience
Francisco Echevarria brings firsthand experience from owning and operating a business.
START WITH THE BUSINESS
Business Insurance for Texas Companies — Built Around How You Work
Your company is more than a list of policies.
Our Business Insurance conversations start with how your business actually operates — its people, vehicles, property, equipment, contracts, and what has changed.
Whether you are starting a company, growing an established business, or reviewing coverage you already have, our team can help you understand the commercial insurance options relevant to your operation.
Prefer to talk? Call 281-697-6215.
Commercial Insurance Focus
Business Insurance is a major area of focus for Echevarria Agency.
Owner-Led in Katy
A locally led agency serving business owners throughout Texas.
Service Beyond the Quote
Ongoing help with changes, renewals, certificates, questions, and future reviews.
15 YEARSBUSINESS OWNERSHIP
EXPERIENCE
EXPERIENCE
FROM ONE BUSINESS OWNER TO ANOTHER
Business Insurance Should Start With Understanding Your Business
Francisco Echevarria
Agency Owner | Business Insurance & Operations
Francisco understands business ownership because he has lived it. Before helping lead Echevarria Agency, he spent 15 years as a business owner in the trucking industry.
That experience included the realities of:
- Operations
- Vehicles
- Equipment
- Employees
- Customers
- Growth
- Risk
- Reputation
Rather than beginning with: “What policy can we sell you?”
Francisco’s approach begins with: “Tell me about your business.”
Understand the business first.Discuss insurance second.
WHEN THE BUSINESS CHANGES
Business Changes Can Create New Insurance Questions
Businesses rarely stay exactly the same.
The insurance written for an earlier version of your company may deserve another look as the business grows.
Review My Business CoverageAdded Employees
Added Vehicles
Purchased Equipment
Moved Locations
Signed Larger Contracts
Expanded Services
Payroll Changed
Business Grew Significantly
CORE COMMERCIAL COVERAGE
Business Insurance Options
Different businesses have different risks.
Start with how your company operates, then identify which insurance conversations belong there.
Commercial Auto Insurance
For businesses that depend on vehicles, drivers, fleets, or transportation as part of daily operations.
Explore Commercial Auto InsuranceGeneral Liability Insurance
A core commercial insurance conversation involving certain liability exposures created through business operations, customers, job sites, contracts, and completed work.
Explore General Liability InsuranceCommercial Property Insurance
Coverage conversations involving eligible buildings, equipment, inventory, furniture, supplies, tools, and other physical business assets.
Explore Commercial Property InsuranceBusiness Owner’s Policy (BOP)
A potential option for eligible small and midsize businesses that may combine certain liability and property coverage within one policy structure.
Explore Business Owner’s PolicyContractor Insurance
Insurance conversations built around contractors whose operations may involve vehicles, tools, equipment, employees, subcontractors, job sites, customer property, and contract requirements.
Explore Contractor InsuranceUNDERSTAND THE DIFFERENCE
Do I Need a BOP or General Liability Insurance?
General Liability Insurance
Business liability exposures
General Liability focuses on certain business liability exposures arising from operations, customers, job sites, property damage, completed work, and related risks.
Business Owner’s Policy
Eligible liability + property coverage
A BOP may combine certain eligible liability and property coverages within one commercial policy structure.
Eligibility and coverage depend on the business, carrier, available options, and underwriting.
Talk With Our Business Insurance TeamEMPLOYEES CREATE NEW QUESTIONS
Have Workers’ Compensation Questions?
Businesses with employees may have questions involving workplace injuries, payroll, employee classifications, operational changes, and other employer considerations.
Whether Workers’ Compensation is required or appropriate depends on the business and circumstances.
Coverage availability, eligibility, policy terms, and underwriting requirements can also vary.
Talk With Our Business Insurance TeamBUSINESS INSURANCE WORKS TOGETHER
Business Insurance Is Rarely a One-Policy Conversation
Commercial insurance products do not always operate in isolation.
Different risks can connect.
General Liability + BOP
Eligible businesses may be able to combine liability with other protection through a Business Owner’s Policy.
Commercial Property + BOP
Businesses with physical assets may need to consider how property risks fit into the broader insurance structure.
Commercial Auto + Contractor Insurance
Contractors often depend on vehicles to move employees, equipment, and tools.
Employees + Workers’ Compensation
Hiring employees, changing payroll, or expanding operations can create reasons to revisit Workers’ Compensation considerations.
The goal is not to assume every company needs every product.
It is to understand how your business operates so the relevant insurance conversations are not treated as disconnected pieces.
OTHER RISKS MAY DESERVE ATTENTION
Additional Commercial Insurance Conversations
Depending on your industry, operation, eligibility, and available carrier options, additional Business Insurance conversations may include:
- Commercial Umbrella / Excess Liability
- Cyber Liability
- Employment Practices Liability
- Professional Liability / E&O
- Inland Marine
- Tools & Equipment Coverage
- Builders Risk
- Bonds / Surety
- Commercial Flood
Not every product applies to every company.
The better starting point is still:
Tell us how your business works.
DIFFERENT BUSINESSES. DIFFERENT RISKS.
Business Insurance for Companies Across Many Industries
A contractor does not operate like a restaurant.
A restaurant does not operate like a medical office.
Different industries create different insurance conversations.
Contractors & Construction
General contractors and construction-related businesses.
HVAC / Electrical / Plumbing
Service contractors using vehicles, equipment, and field employees.
Roofing / Landscaping
Businesses working at customer properties and job sites.
Restaurants & Food Service
Operations involving property, equipment, employees, and customers.
Retail Businesses
Companies with inventory, physical locations, and public interaction.
Professional Offices
Attorneys, accountants, consultants, architects, engineers, and similar firms.
Medical & Dental Practices
Healthcare-related businesses with specialized operational considerations.
Real Estate & Property Management
Real estate professionals, investors, and property managers.
Manufacturing / Distribution / Technology
Businesses involving inventory, equipment, supply chains, technology, or specialized operations.
START WITH WHAT YOU ALREADY HAVE
Already Have Business Insurance? Start With a Review.
A business can change significantly while its insurance stays exactly the same.
Has the Business Grown?
- Revenue increased
- Payroll changed
- Employees added
- Vehicles or drivers added
- New equipment purchased
Has the Operation Changed?
- Moved locations
- Leased or purchased property
- Signed larger contracts
- Added new services
- Expanded into new markets
A coverage review gives you an opportunity to discuss what changed and identify which parts of your Business Insurance deserve another look.
Review My Business CoverageTHE RELATIONSHIP CONTINUES
Service Does Not Stop When the Policy Is Issued
Business owners often need help long after the first policy conversation.
Certificates of Insurance
Policy Changes
Renewals
Billing Questions
Account Updates
Coverage Reviews
You should know there are real people you can contact when your business needs help.
Meet Our TeamLOCAL ROOTS. TEXAS REACH.
Based in Katy. Working With Businesses Across Texas.
Echevarria Agency is locally based in Katy and serves business owners throughout Texas.
Our goal is to bring the relationship-focused service of a local agency to companies across the state.
A BETTER WAY TO START
How We Approach Business Insurance
- 01
Tell Us About Your Business
What does your company do, where does it operate, and what has changed?
- 02
Talk With Our Business Insurance Team
A licensed insurance professional learns more about the operation and the questions you need answered.
- 03
Review Available Options
We help explain the available Business Insurance options and commercial coverage considerations.
- 04
Keep the Relationship Going
Our team remains available for service, renewals, certificates, questions, policy changes, and future coverage reviews.
COMMON QUESTIONS
Business Insurance FAQs
That depends on how your company operates. Industry, employees, vehicles, property, equipment, contracts, and other factors can all affect which Business Insurance conversations are relevant.
General Liability focuses on certain liability exposures. A Business Owner’s Policy may combine certain coverage for eligible businesses, often including liability and property-related protection. Actual coverage varies by policy and carrier.
If vehicles are owned or used as part of business operations, Commercial Auto Insurance may deserve consideration. The appropriate approach depends on vehicle ownership, use, drivers, and other business details.
A review may make sense when your business changes, including adding employees, vehicles, equipment, property, locations, contracts, or new operations.
Pricing and eligibility can vary based on industry, operations, location, payroll, employees, vehicles, claims history, property, selected coverage, and carrier underwriting requirements.
Yes. Echevarria Agency is based in Katy and serves business owners throughout Texas.
START WITH THE BUSINESS
You’ve Worked Hard to Build Your Business. Let’s Build the Insurance Conversation Around It.
Your company is more than a policy number.
It may represent years of work, employees, customers, equipment, property, contracts, reputation, and something you are still working every day to build.
Your Business Insurance conversation should reflect the company you operate today.
Tell us what you do.
Tell us how you operate.
Tell us what changed.
We will start there.
Prefer to talk?
Call Echevarria Agency at 281-697-6215.
