What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella, and. We specialize in Florida's challenging coastal insurance market.

What HR services does Wirehaired Trust provide?

Wirehaired Trust offers payroll and tax processing, HR management, employee benefits, retirement plans (401k, SEP-IRA, SIMPLE IRA), and full HR outsourcing with dedicated HR consultants and HRIS technology for Texas and Florida businesses.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Independent Insurance & Risk Advisory · Licensed in Texas & Florida

The Right Coverage. The Right Carrier. Real Advisors Who Work for You.

Wirehaired Trust is your independent partner for business insurance, personal coverage, and risk advisory across Texas and Florida. We compare 30+ top carriers to find the right fit for your situation — without the runaround, the pressure, or the one-size-fits-all approach.

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30+Top Carriers

TX & FLLicensed States

Business
& PersonalLines Expertise

FastResponsive & Attentive

★★★★★ 5.0 on Google

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Fast, Custom Coverage — Texas & Florida

Secure Your Business with Smart, Custom P&C Coverage

Answer a few quick questions and our Smart Intake builds your risk profile instantly — then a real advisor shops 30+ carriers to match you with the right protection. No phone tag, no email back-and-forth.

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About 2 minutes · No obligation · Business & Personal Lines

Your Independent Advantage

Why Businesses and Families Choose Wirehaired Trust

Being independent means we work for you — not for any insurance company. Whether you're protecting a business or a family, that difference changes everything about the advice you get and the value you receive.

30+ Carrier Access

We compare rates and coverage across dozens of top-rated commercial carriers so you get the best fit, not just the first option.

Business & Personal Lines Expertise

We specialize in both business risk and personal lines — from complex commercial programs and general liability to homeowners, personal auto, and umbrella policies. Whatever you need covered, we bring the same rigorous, independent approach.

Texas & Florida Expertise

Deep local knowledge of Houston, Dallas, Austin, Miami, Orlando and beyond. We know regional risks, local requirements, and the carriers who write them best.

Fast, Attentive, and Always Listening

We respond quickly — and when we do, we've actually read your situation carefully. You get an advisor who prioritizes your specific needs, not a script. Real people, real answers, real follow-through.

Coverage That Fits Your Life & Business

Business & Personal Coverage — Built Around You

From core commercial coverages and industry-specific programs to homeowners and personal auto — we compare the market so you get the right protection at the right price.

Core Coverages

General Liability

Protection from third-party bodily injury, property damage, and advertising injury claims.

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Commercial Auto

Fleet and business vehicle coverage for companies operating in Texas and Florida.

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Workers' Compensation

State-compliant workers' comp for Texas and Florida employers. Required coverage, right price.

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Cyber Liability

Data breach response, ransomware coverage, and business interruption from cyber events.

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Construction & Contractors

GL, workers' comp, builders risk, surety bonds, and inland marine for contractors.

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Commercial Property

Buildings, contents, and business income protection for Texas and Florida properties.

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Industry-Specific Programs

Contractors

Roofing Contractors

Specialty GL, workers' comp, and commercial auto for residential and commercial roofing companies. Access to carriers that actively write roofing risk in Texas and Florida.

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Auto Services

Car Wash Owners & Investors

General liability, garage keepers, commercial property, equipment breakdown, and environmental coverage for express, full-service, and self-serve car wash operations.

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Real Estate

Multifamily Property Investors

Commercial property, general liability, loss of rents, and umbrella coverage for apartment owners and multifamily portfolio investors in Texas and Florida.

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Real Estate

Light Industrial & Warehouse

Lessor's risk (LRO), commercial property, and liability solutions for light industrial, flex, and warehouse property owners and investors.

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Real Estate

Self-Storage Facilities

Lessor's risk, commercial property, business income, and cyber coverage for self-storage operators — from single-location facilities to multi-site portfolios.

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Short-Term Rental

Airbnb & STR Portfolio Owners

Property and liability coverage for short-term rental investors. Standard homeowners policies typically exclude STR activity — we build programs that actually cover your exposure.

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Hospitality

Restaurants, Bars & Nightclubs

Liquor liability, assault & battery, food contamination, and commercial property for full-service restaurants, fast casual, sports bars, nightclubs, and entertainment venues.

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Contractors

Construction & General Contractors

Full contractor insurance programs: GL, workers' comp, commercial auto, builders risk, inland marine, and surety bonds for GCs and specialty subcontractors.

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Professional

Professional Services

E&O, D&O, cyber liability, and commercial programs for consultants, tech firms, financial advisors, and service-based businesses.

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Health Care

Health Care Organizations

Medical malpractice, general liability, cyber, D&O, EPLI, and workers' comp for physician groups, clinics, behavioral health, and senior living facilities.

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Non-Profit

Non-Profits & Religious Orgs

D&O, abuse liability, volunteer coverage, GL, crime, and cyber for charities, faith communities, and mission-driven organizations across TX and FL.

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Life Sciences

Product liability, clinical trial coverage, cyber, D&O, and E&O for biotech, pharma, medical device, and CRO companies.

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Real Estate

Real Estate Investors & Developers

Commercial property, LRO, builders risk, D&O, E&O, and transactional liability for real estate owners across all asset classes in TX and FL.

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Licensed in Texas & Florida

Serving Texas & Florida Businesses

Two of the largest commercial markets in the country — and we know both inside and out.

Texas

From Houston and Dallas to Austin, San Antonio, and the Permian Basin — we write commercial insurance across the Lone Star State.

Workers' comp is optional, but often required by contract
Severe weather and hail risks require specialized coverage
Oil & gas, construction, and logistics expertise
Fast-growing markets: Austin, DFW, Greater Houston

Texas Insurance →

Florida

Miami, Orlando, Tampa, and everywhere in between. We navigate Florida's challenging insurance market to find you the best options.

Wind and flood risks require expert carrier matching
Workers' comp mandatory for most businesses
Hospitality, construction, and healthcare specialties
Carrier relationships in a tight coastal market

Florida Insurance →

Client Reviews

Trusted by Businesses & Families Across Texas & Florida

Don't take our word for it — here's what our clients say after working with us.

5.0

★★★★★

Google Rating

Based on 50+ verified Google reviews from TX & FL clients

Marcus T.General Contractor — Houston, TX

★★★★★

"They took the time to understand how our construction business operates. Found us a GL and workers' comp program that fit our contracts and saved us over $8,000 at renewal."

Google Review

Jennifer R.Roofing Owner — Tampa, FL

★★★★★

"After our carrier dropped us with 30 days notice, Wirehaired Trust got us re-written at a better rate within 3 days. They clearly know specialty markets that most agents don't have access to."

Google Review

Amanda F.STR Portfolio Owner — 30A, FL

★★★★★

"I had 7 Airbnb properties with a homeowners policy that excluded all STR activity. Wirehaired Trust restructured everything with proper STR dwelling policies. A total game changer."

Google Review

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Commercial Insurance for Texas & Florida Businesses

We shop the market across 30+ top-rated carriers so you get the right coverage at the right price — without the guesswork.

Wirehaired Trust specializes in commercial property and casualty (P&C) insurance for businesses across Texas and Florida. As an independent agency, we're not tied to any single carrier — which means our only loyalty is to finding you the best fit for your needs and budget.

Core Commercial Coverages

General Liability — Third-party bodily injury and property damage protection
Commercial Auto — Fleet and business vehicle coverage
Workers' Compensation — Employee injury protection and state compliance
Cyber Liability — Data breach, ransomware, and network security coverage
Commercial Property — Buildings, contents, and business income
Umbrella / Excess Liability — Broader protection above primary limits
Business Owner's Policy (BOP) — Bundled GL and property for qualifying businesses

Industry-Specific Programs

Different industries carry different risks — and generic policies create dangerous gaps. We work with carriers that have built specialized programs for your specific industry, not just adapted a standard commercial package.

Contractors

Construction & General Contractors

GL, workers' comp, commercial auto, builders risk, inland marine, and surety bonds. We know what every GC contract requires.

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Contractors

Roofing Contractors

Specialty markets for a high-risk trade. GL, workers' comp, and commercial auto with carriers that actively write roofing in Texas and Florida.

Get a quote →

Hospitality

Restaurants, Bars & Nightclubs

Liquor liability, assault & battery coverage, food contamination, and property programs for full-service restaurants, sports bars, nightclubs, and entertainment venues.

Get a quote →

Auto Services

Car Wash Owners & Investors

GL, garage keepers liability, commercial property, equipment breakdown, and environmental liability for express, full-service, and self-serve car wash businesses.

Get a quote →

Real Estate

Multifamily Property Investors

Commercial property, general liability, loss of rents, crime, and umbrella coverage for apartment communities and multifamily portfolio investors.

Get a quote →

Real Estate

Light Industrial & Warehouse

Lessor's risk only (LRO), commercial property, and liability solutions for owners and investors in light industrial, flex space, and warehouse properties.

Get a quote →

Real Estate

Self-Storage Facilities

Lessor's risk, commercial property, business income, cyber liability, and crime coverage — purpose-built for self-storage operators and multi-site investors.

Get a quote →

Short-Term Rental

Airbnb & STR Portfolio Investors

Dwelling, liability, and loss of rental income coverage for short-term rental operators. Standard homeowners policies exclude STR activity — don't find out at claim time.

Get a quote →

Professional

Professional Services

E&O, D&O, cyber liability, and commercial programs for consultants, tech companies, financial advisors, and service-based businesses.

Get a quote →

Transportation

Trucking & Logistics

Commercial auto, motor truck cargo, motor truck GL, and physical damage for owner-operators and fleet-based logistics businesses operating in Texas and Florida.

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Health Care

Health Care Organizations

Medical malpractice, cyber, D&O, EPLI, GL, workers' comp, and property for physician groups, clinics, behavioral health, and senior living facilities.

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Non-Profit

Non-Profits & Religious Organizations

D&O, sexual misconduct liability, volunteer coverage, cyber, GL, and crime insurance for charities, churches, and mission-driven organizations.

Learn more →

Life Sciences

Product liability, clinical trial liability, cyber, D&O, E&O, and commercial property for biotech, pharma, medical device, and CRO companies.

Learn more →

Real Estate

Real Estate Owners & Developers

Commercial property, LRO, loss of rents, builders risk, D&O, E&O, environmental, and transactional liability across all TX and FL asset classes.

Learn more →

Request a Commercial Quote

General Liability Insurance

The cornerstone of commercial coverage — protecting your business from third-party claims of injury, damage, and more.

General liability (GL) insurance is the foundational policy for virtually every business operating in Texas and Florida. It protects your company from financial losses arising from lawsuits and claims that your business caused bodily injury, property damage, or certain other types of harm to third parties.

What's Covered?

Bodily injury to customers, vendors, or other third parties
Property damage caused by your business operations
Legal defense costs — even if the claim is false
Personal and advertising injury (defamation, copyright infringement)
Products and completed operations liability
Medical payments to injured parties

Who Needs General Liability?

Almost every business — particularly those that:

Have a physical location that customers or vendors visit
Perform work at client sites
Are required to show proof of insurance for contracts
Manufacture, distribute, or sell products
Run advertising or marketing campaigns

Texas & Florida Considerations

In Texas, general liability is almost always required by commercial contracts even though it isn't legally mandated at the state level. In Florida, many licensing boards require proof of GL before issuing a contractor's license or permit. We know the specific requirements businesses face in both markets.

Get a GL Quote

Workers' Compensation Insurance

Protect your employees and your business. Wirehaired Trust helps Texas and Florida employers find the right workers' comp policy at a competitive price.

Workers' compensation insurance covers medical expenses and lost wages for employees injured on the job — and protects employers from the financial and legal consequences of workplace injuries. Getting the right policy is particularly important in Texas and Florida, where the rules differ significantly.

Why It Matters

Covers medical bills for work-related injuries and illnesses
Replaces a portion of lost wages during recovery
Provides death benefits to families of fatally injured workers
Shields your business from most employee injury lawsuits

Texas vs. Florida: Key Differences

Texas: The only state where workers' comp is not mandatory — but it is often required by contracts with general contractors, government agencies, and large clients. Non-subscribers face significant legal exposure.
Florida: Most employers with 4+ employees are required to carry workers' comp. Construction companies must carry it with even 1 employee.

Experience Modification & Premium Management

Your workers' comp premium is largely driven by your experience modification rate (EMR). We help clients understand their EMR and identify loss control strategies to keep it competitive.

Get a Workers' Comp Quote

Construction & Contractor Insurance

From general contractors to specialty subcontractors, we help Texas and Florida construction businesses secure every layer of coverage they need.

Construction is one of the most complex commercial insurance classes — and one of the most important to get right. Wirehaired Trust works with carriers that specialize in contractor risk to make sure your business, your crew, and your projects are fully protected.

Key Coverages for Contractors

General Liability — Required by virtually every GC and project owner contract
Workers' Compensation — Critical in construction; required in FL even with 1 employee
Commercial Auto — Trucks, vans, and company vehicles
Builders Risk — Coverage for structures under construction
Inland Marine / Equipment Floater — Tools and equipment on the jobsite
Surety Bonds — Performance bonds, payment bonds, and license bonds
Umbrella / Excess Liability — Project-level limits often require $5M+

Industries We Serve

General Contractors
Electrical, Plumbing & HVAC Contractors
Roofing Contractors
Concrete & Masonry
Landscaping & Site Work
Painting & Drywall
Custom Home Builders

Certificate Management & Additional Insureds

We handle certificate requests and additional insured endorsements quickly — because we know that a delayed certificate can hold up a project start date.

Get a Contractor Quote

Texas Commercial Insurance

Independent business insurance for Houston, Dallas, Austin, San Antonio, and businesses across Texas.

Wirehaired Trust is your Texas commercial insurance advisor. We help businesses across the state — from large Houston contractors to small Austin tech firms — find the right coverage for their specific risks at a competitive price.

Texas Business Insurance Solutions

General Liability Insurance
Commercial Property Insurance
Workers' Compensation (optional statewide, often required by contract)
Commercial Auto Insurance
Umbrella & Excess Liability
Cyber Liability Insurance
Professional Liability (E&O / D&O)
Industry-Specific Programs

Texas-Specific Considerations

Texas is the only state where workers' compensation is not legally required — but most contractors and businesses that work on commercial projects must still carry it
Hail, wind, and severe weather risks require specialized property coverage in many Texas regions
Oil & gas, energy, and construction are dominant industries with specialized risk profiles
Fast-growing markets like Austin, DFW, and Houston bring new exposures as businesses scale

Cities We Serve in Texas

Houston & Greater Houston Area
Dallas / Fort Worth Metroplex
Austin & Central Texas
San Antonio & South Texas
El Paso, Lubbock, Midland-Odessa & more

Get a Texas Business Quote

Florida Commercial Insurance

Independent business insurance for Miami, Orlando, Tampa, Jacksonville, and businesses across Florida.

Florida's commercial insurance market is one of the most challenging in the country. Wirehaired Trust helps Florida businesses navigate carrier restrictions, coastal wind requirements, and mandatory workers' comp laws — and still find competitive pricing from top-rated carriers.

Florida Business Insurance Solutions

General Liability Insurance
Commercial Property (including wind and flood endorsements)
Workers' Compensation (required for most FL businesses)
Commercial Auto Insurance
Umbrella & Excess Liability
Cyber Liability Insurance
Liquor Liability & Hospitality Programs
Builder's Risk & Contractor Programs

Florida-Specific Considerations

Workers' compensation is mandatory for most Florida employers with 4+ employees — and for any construction business with even 1 employee
Coastal wind and named storm exposures require specialized property coverage — many standard carriers have limited capacity in coastal counties
Hurricane risk affects both property and business interruption coverage limits and deductibles
Florida's litigation environment means liability limits and umbrella coverage are especially important

Cities We Serve in Florida

Miami & South Florida
Orlando & Central Florida
Tampa & Tampa Bay Area
Jacksonville & Northeast Florida
Fort Lauderdale, West Palm Beach & more

Get a Florida Business Quote

About Wirehaired Trust

An independent, commercial-first insurance agency dedicated to helping Texas and Florida businesses secure the best possible protection.

Our Story

Built for Business. Independent by Design.

Wirehaired Trust was founded on a simple belief: businesses deserve an insurance advisor who works for them — not for the insurance companies. As an independent agency, we're not tied to any single carrier. Our loyalty is to our clients and their bottom line.

We focus almost exclusively on commercial P&C insurance, which means our team develops deep expertise in the types of coverage, risks, and carriers that matter most to Texas and Florida businesses. When you work with us, you get advisors who speak your language.

01

Independent Agency

We represent you, not any insurance company. We shop the market to find your best fit.
02

Business & Personal Lines Expertise

We specialize in both business risk and personal lines. Whether you need a complex commercial program or homeowners, personal auto, and umbrella coverage, we bring the same independent, rigorous approach to every client and every situation.
03

Local Expertise

Deep knowledge of Texas and Florida markets, regulations, and regional risk factors.
04

Responsive, Attentive, Year-Round

We respond quickly and with genuine attention to your specific situation — not a generic reply. And we stay engaged year-round, not just at renewal. You have a question in July, you get a real answer in July.

30+Carrier Partners

90%Commercial Clients

2Licensed States

1 DayQuote Turnaround

Contact Wirehaired Trust

Reach out with questions, coverage needs, or to start a quote. We respond quickly — usually same or next business day.

Send Us a Message

Or call us at (281) 671-0069 or email info@pointeriaus.com

Thank you! We received your message and will be in touch within one business day.

Request a Commercial Insurance Quote

Fill out the form below and a Wirehaired Trust advisor will review your needs and respond within one business day.

Tell Us About Your Business

The more you share, the better we can match you with the right carriers and coverages.

Thank you! We received your quote request and will be in touch within one business day.

Business Name *

Your Name *

Email *

Phone *

State *

Industry

Coverage Needed

Approximate Annual Revenue

Additional Notes

Important: Submitting this form does not bind coverage or guarantee a quote. All coverage is subject to underwriter approval and policy terms. Wirehaired Trust (dba Pointeriaus) is a licensed independent insurance agency in Texas and Florida. Nothing on this site constitutes a contract of insurance.

Smart Business Intake

Tell us who you are and what you need covered. The form adapts to your selections and routes your risk profile straight to our team — no email, no delay.

Home / HR Services / Payroll & Tax

Payroll & Tax

Accurate, compliant payroll processing and tax administration — so you can focus on running your business, not chasing deadlines.

HR Services

Payroll & Tax Services

Managing payroll in Texas and Florida means navigating federal withholding, state unemployment taxes, quarterly filings, and year-end reporting — all while making sure every employee is paid accurately and on time. One error can mean penalties, employee dissatisfaction, and hours of correction work.

Wirehaired Trust connects your business with payroll and tax solutions that eliminate this burden entirely. From single-employee startups to multi-location businesses with complex payroll structures, we match you with the right platform and support team for your operation.

What's Included

✓ Full-service payroll processing — weekly, bi-weekly, semi-monthly, or monthly
✓ Federal, Texas, and Florida payroll tax filings (941, FUTA, SUTA)
✓ Direct deposit and paycard options for all employees
✓ W-2 and 1099 preparation and distribution
✓ Garnishments, deductions, and benefits integration
✓ New hire reporting and compliance

Talk to a Payroll Advisor

Home / HR Services / HR Management

HR Management

Policies, compliance, and people management tools that protect your business and support your team.

HR Services

HR Management Services

As your business grows, HR complexity grows with it. Employee handbooks, job descriptions, performance reviews, disciplinary procedures, termination protocols — each carries legal exposure if not handled correctly under Texas and Florida employment law.

Wirehaired Trust's HR management services give you the frameworks, documents, and expert guidance to navigate this complexity confidently — without the cost of a full-time HR director.

What's Included

✓ Employee handbook development and annual updates
✓ Job description creation and classification review
✓ Onboarding and offboarding process management
✓ Performance management frameworks and documentation
✓ Federal and state employment law compliance (FLSA, ADA, FMLA, Title VII)
✓ Disciplinary procedures and termination support

Talk to an HR Advisor

Home / HR Services / Employee Benefits

Employee Benefits

Competitive benefit programs that attract top talent, improve retention, and fit your budget.

HR Services

Employee Benefits Programs

Offering a competitive benefits package is one of the most effective ways to attract and retain quality employees in Texas and Florida's tight labor markets. But building the right program — at the right cost — requires expertise across group health carriers, plan design, and compliance.

Wirehaired Trust brings the same independent, multi-carrier approach to employee benefits that we bring to insurance. We're not tied to a single carrier or benefit platform, which means we find the best fit for your workforce and your budget.

Benefit Solutions We Offer

✓ Group health insurance — multiple carrier options, multiple plan designs
✓ Dental and vision insurance
✓ Voluntary and supplemental benefit options
✓ Benefits administration technology and employee self-service
✓ Open enrollment support and employee communications

Talk to a Benefits Advisor

Home / HR Services / Retirement Plans

Retirement Plans

401(k), SEP-IRA, SIMPLE IRA, and defined contribution plans — designed, implemented, and administered for Texas and Florida businesses.

HR Services

Retirement Plan Services

Offering a retirement plan is one of the most valued benefits an employer can provide — and it comes with meaningful tax advantages for both the business owner and the employee. For many Texas and Florida business owners, a well-structured retirement plan is also a key piece of their own personal wealth-building strategy.

We help businesses of every size select, implement, and administer the right retirement plan structure — keeping it compliant, competitive, and cost-efficient.

Plan Types We Support

✓ 401(k) Plans — Traditional and Roth options; custom employer match design; suitable for most businesses
✓ Safe Harbor 401(k) — Simplified nondiscrimination testing; ideal for small and growing businesses
✓ SEP-IRA — Simple, flexible, high contribution limits for self-employed and small business owners
✓ SIMPLE IRA — Low-cost retirement option for businesses with fewer than 100 employees
✓ Plan Administration & Compliance — Annual filings, participant communications, and ongoing compliance support

Talk to a Retirement Plan Advisor

Home / HR Services / HR Outsourcing

HR Outsourcing — Tech & Teams

Your dedicated HR department — without the overhead. Expert HR professionals and modern technology working for your business.

HR Services

HR Outsourcing — Tech & Teams

For many growing Texas and Florida businesses, hiring a full-time HR director or building an HR team is premature — but managing HR alone is unsustainable. Our HR outsourcing solution bridges that gap: you get experienced HR professionals and enterprise-grade HR technology working for your business on a scalable, cost-effective basis.

Think of it as your HR department — just without the headcount on your payroll.

What HR Outsourcing Includes

→ Dedicated HR consultant assigned to your account
→ HRIS technology platform — employee records, time & attendance, reporting
→ Employment law compliance monitoring (federal, Texas, and Florida)
→ Employee relations support and workplace issue resolution
→ Recruiting and onboarding workflow management
→ Benefits administration integrated with payroll
→ HR strategy and organizational development support

Who This Is Right For

✓ Businesses with 5–150 employees who need HR expertise without a full-time hire
✓ Companies experiencing rapid growth where HR is a bottleneck
✓ Businesses that recently had an HR-related legal issue or compliance gap
✓ Owners who want to free up time by delegating HR entirely to a trusted team

Talk to an HR Outsourcing Advisor

Home / Personal Insurance

Personal Insurance for What Matters Most

Your home and vehicles are your most significant assets. We compare 30+ carriers to build a coverage plan around your life — not a one-size-fits-all policy.

At Wirehaired Trust, we bring the same independent, rigorous approach to personal insurance that we bring to our business clients. We're not tied to any single carrier — which means we shop the market on your behalf to find the coverage that best fits your lifestyle, your assets, and your budget.

Our personal lines advisors start with listening. Before we present a single option, we take the time to understand your situation: your home, your vehicles, your family, and what you actually own. Then we go to work finding the right carriers and the right coverage — not just the cheapest premium.

Why Work With an Independent Personal Lines Agent?

→ We shop multiple carriers — you're never limited to one company's products
→ We advocate for you during claims — not for the insurance company
→ We review your coverage as your life changes so you're never underinsured
→ We bundle your home and auto to maximize discounts across the right carriers
→ We explain what you're actually buying — in plain language, not policy jargon

Personal Coverage We Offer

Homeowners Insurance

Dwelling, contents, liability, and loss of use — properly sized for your home.

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Personal Auto Liability

Liability, collision, comprehensive, and uninsured motorist coverage.

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Personal Umbrella

Broad excess liability above your home and auto policies — for assets worth protecting.

Learn more →

Flood Insurance

NFIP and private flood options for Texas and Florida homeowners.

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Renters Insurance

Affordable property and liability protection for renters in TX and FL.

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Valuables & Jewelry

Scheduled coverage for jewelry, art, collectibles, and high-value items.

Learn more →

Get a Personal Insurance Quote

Home / Personal Insurance / Homeowners

Homeowners Insurance

Your home is likely your largest investment. We compare carriers to make sure your dwelling, contents, and liability coverage are properly sized — not just the cheapest option available.

A standard homeowners policy isn't always enough — especially in Texas and Florida, where wind, hail, and flooding create exposures that many off-the-shelf policies handle poorly. Wirehaired Trust reviews every element of your coverage, not just the premium, to make sure you're actually protected when it matters.

What Homeowners Insurance Covers

✓Dwelling coverage — Rebuilds or repairs the structure of your home after a covered loss
✓Other structures — Fences, detached garages, sheds, and outbuildings
✓Personal property — Furniture, electronics, clothing, and belongings inside your home
✓Loss of use — Hotel and living expenses while your home is being repaired
✓Personal liability — Protection if someone is injured on your property
✓Medical payments — Covers minor injuries to guests regardless of fault

Texas & Florida Homeowners Considerations

✓Texas hail and windstorm risk requires careful deductible selection — many policies carry separate wind/hail deductibles of 1–2% of your dwelling value
✓Florida coastal homeowners face carrier availability challenges — we work with insurers still actively writing in coastal counties
✓Named storm and hurricane deductibles are standard in FL — we help you understand exactly what triggers them
✓Flood damage is typically excluded from homeowners policies — see our Flood Insurance page for NFIP and private options
✓Replacement cost vs. actual cash value is one of the most important coverage decisions — we walk through the difference with every client

Why Replacement Cost Matters

Many homeowners are significantly underinsured because their dwelling coverage hasn't kept pace with construction costs. We review your home's replacement cost value — not its market value — to make sure your policy actually covers a full rebuild after a total loss.

Get a Homeowners Quote

Home / Personal Insurance / Personal Auto

Personal Auto Liability Insurance

The right auto coverage isn't just about meeting the state minimum — it's about making sure you're financially protected after a serious accident.

Personal auto insurance is one of the most purchased — and most misunderstood — insurance products in Texas and Florida. Many drivers carry limits far too low to protect their assets after a serious at-fault accident. We review your current limits and make sure your policy is built for your actual financial exposure, not just the state minimum.

Auto Coverage Components

✓Bodily injury liability — Pays for injuries you cause to others in an at-fault accident; protects your assets from lawsuits
✓Property damage liability — Covers damage you cause to other vehicles, structures, or property
✓Collision coverage — Repairs or replaces your vehicle after an accident, regardless of fault
✓Comprehensive coverage — Covers theft, vandalism, hail, flooding, and non-collision losses
✓Uninsured/underinsured motorist (UM/UIM) — Protects you when the at-fault driver has no insurance or insufficient limits
✓Medical payments / PIP — Covers medical expenses for you and passengers after an accident
✓Rental reimbursement & roadside assistance — Optional coverages that reduce out-of-pocket costs after a claim

Texas vs. Florida Auto Requirements

✓Texas requires minimum liability of 30/60/25 — but these limits are rarely sufficient to protect your assets in a serious accident
✓Florida requires Personal Injury Protection (PIP) of $10,000 and Property Damage Liability of $10,000 — among the lowest minimums in the country
✓Both states have significant uninsured motorist populations — UM/UIM coverage is strongly recommended in TX and FL
✓We compare multiple carriers to find you the right balance of coverage and premium — including multi-car and home-bundling discounts

Why Your Liability Limits Matter More Than You Think

If you cause a serious accident and your liability limits are exhausted, your personal assets — savings, home equity, income — can be targeted in a lawsuit. We help you select limits that actually protect your financial position, and pair your auto policy with a personal umbrella for complete protection.

Get a Personal Auto Quote

Home / Personal Insurance / Personal Umbrella

Personal Umbrella Insurance

Broad excess liability above your home and auto policies — protecting your assets and future income from catastrophic claims.

A personal umbrella policy is one of the most cost-effective forms of protection available — typically providing $1 million or more in additional liability coverage for just a few hundred dollars per year. If you own a home, have savings, or have future income worth protecting, an umbrella policy is not optional — it's essential.

What a Personal Umbrella Covers

✓Excess liability above your homeowners policy limits after a serious injury on your property
✓Excess liability above your auto policy limits after a major at-fault accident
✓Defamation, libel, and slander claims not covered by standard home or auto policies
✓Liability arising from rental properties you own
✓Certain claims involving your household members, including teenage drivers
✓Legal defense costs — even when a claim is ultimately found to be without merit

Who Needs a Personal Umbrella?

✓Homeowners with significant equity or savings that could be targeted in a lawsuit
✓Drivers with teenage or high-risk drivers on their household auto policy
✓Anyone who owns rental properties or investment real estate
✓High-income professionals whose future earning potential is an asset worth protecting
✓Individuals who frequently host guests, events, or have a pool or trampoline on their property

The honest truth: Most people who need a personal umbrella don't have one — and most who don't need one think they do. A 10-minute conversation with our team will tell you which category you're in.

Get a Personal Umbrella Quote

Home / Personal Insurance / Flood Insurance

Flood Insurance

Standard homeowners policies don't cover flooding. In Texas and Florida — two of the most flood-prone states in the country — that gap can be devastating.

Flood damage is specifically excluded from virtually every standard homeowners insurance policy. Many Texas and Florida homeowners discover this gap at the worst possible moment — after a hurricane, a tropical storm, or the kind of inland flooding that happens far from the coast. We help clients navigate both the National Flood Insurance Program (NFIP) and the growing private flood market to find the right fit.

NFIP vs. Private Flood Insurance

✓NFIP (National Flood Insurance Program) — Federally backed flood coverage available in participating communities; maximum dwelling coverage of $250,000
✓Private flood insurance — Often provides higher limits, broader coverage, shorter waiting periods, and sometimes lower premiums than NFIP
✓Private flood policies can cover contents, additional living expenses, and other items NFIP doesn't — at competitive rates
✓We compare NFIP and private market options for every client to find the best value

Texas & Florida Flood Risk Reality

✓Over 40% of NFIP flood claims come from properties outside designated high-risk flood zones — you don't have to be in a floodplain to flood
✓Hurricane Harvey deposited over 60 inches of rain on parts of Houston — most damage was from flooding, not wind
✓Florida has more flood insurance policies in force than any other state — and still has significant gaps in coverage
✓FEMA flood maps are often outdated and don't reflect actual risk — especially in fast-developing Texas metros
✓There is typically a 30-day waiting period for NFIP coverage to take effect — don't wait until a storm is forming

Get a Flood Insurance Quote

Home / Personal Insurance / Renters Insurance

Renters Insurance

Your landlord's policy covers the building — not your belongings, not your liability. Renters insurance is one of the most affordable policies available, and one of the most overlooked.

Renters insurance typically costs less than $20 per month and covers your personal belongings against theft, fire, water damage, and other covered losses — plus provides personal liability protection if someone is injured in your rental. It's one of the highest-value, lowest-cost personal insurance products available.

What Renters Insurance Covers

✓Personal property — Furniture, electronics, clothing, and belongings in your rental unit
✓Personal liability — If a guest is injured in your apartment and holds you responsible
✓Additional living expenses — Hotel and meals if your unit becomes uninhabitable after a covered loss
✓Off-premises theft — Many policies cover belongings stolen from your car or a storage unit
✓Medical payments — Minor injury coverage for guests regardless of fault

Common Misconceptions

✓"My landlord's insurance covers my stuff." — It does not. Landlord policies cover the building only.
✓"I don't own enough to need it." — Most renters underestimate the value of their belongings. A laptop, TV, furniture, clothing, and appliances add up quickly.
✓"It's too expensive." — Renters insurance is typically $15–$25/month. We can often quote and bind same-day.

Get a Renters Insurance Quote

Home / Personal Insurance / Valuables

Valuables & Jewelry Insurance

Standard homeowners policies cap coverage for jewelry, art, and collectibles — often far below their actual value. Scheduled personal property coverage fills that gap.

Most homeowners policies limit jewelry coverage to $1,500–$2,500 per occurrence. If you own an engagement ring, a watch collection, artwork, or other high-value items, that sublimit leaves significant exposure. Scheduled personal property coverage — also called a personal articles floater — covers your specific items at their appraised value with broader protection than a standard homeowners policy provides.

Items We Can Schedule

✓Jewelry — engagement rings, watches, necklaces, earrings, and fine jewelry collections
✓Fine art, sculptures, and collectibles
✓Cameras, photography equipment, and electronics
✓Musical instruments
✓Furs and high-value clothing
✓Sports equipment — golf clubs, bicycles, and specialty gear
✓Coin and stamp collections

Why Scheduled Coverage is Better

✓Items are covered at their agreed or appraised value — not subject to depreciation
✓Coverage applies worldwide — your ring is covered whether it's lost in Houston or in Italy
✓No deductible on most scheduled personal property policies
✓Broader perils covered — including mysterious disappearance (your ring went missing and you don't know how)

Schedule Your Valuables

Home / Personal Insurance / Boat & Watercraft

Boat & Watercraft Insurance

Recreational marine coverage for Texas and Florida — from bay boats and bass boats to offshore vessels and personal watercraft.

Texas and Florida are home to some of the most active recreational boating communities in the country. Whether you're fishing the Gulf, cruising the Intracoastal, or riding the lakes of Central Texas, the right marine coverage protects your vessel, your passengers, and your liability on the water.

Boat & Watercraft Coverage Options

✓Physical damage — Hull coverage for your vessel against collision, fire, theft, and weather damage
✓Liability coverage — Bodily injury and property damage to others while operating your vessel
✓Uninsured boater coverage — Protection when you're struck by a boater with no insurance
✓Medical payments — Covers injuries to you and your passengers on the water
✓Towing and assistance — On-water roadside equivalent for breakdowns and fuel emergencies
✓Personal effects — Fishing gear, electronics, and personal belongings on board
✓Hurricane haul-out coverage — Critical for Florida boaters during named storm events

Types of Watercraft We Cover

Bay Boats Bass Boats Offshore & Sport Fishing Pontoon Boats Jet Skis & PWC Sailboats Center Consoles Yachts & Cruisers

Get a Boat Insurance Quote

Home / Reviews

Client Reviews & Reputation

Real clients. Real outcomes. See what Texas and Florida businesses and families say about working with Wirehaired Trust.

5.0 ★★★★★ Google Rating

50+ ✓ Verified Google Reviews

Verified Independent Agency Licensed in Texas & Florida 30+ Carrier Partners

Marcus T.General Contractor — Houston, TX

★★★★★

"Wirehaired Trust took the time to actually understand how our construction business operates before recommending anything. They found us a GL and workers' comp program that fit our contracts and saved us over $8,000 at renewal. No other agency had done that before."

Google Review

Jennifer R.Roofing Company Owner — Tampa, FL

★★★★★

"After our carrier dropped us with 30 days notice, we were panicking. Wirehaired Trust got us re-written with a quality carrier at a better rate within 3 days. They clearly know specialty markets that most agents don't even have access to."

Google Review

David K.Multifamily Investor — Dallas, TX

★★★★★

"I have 14 units across three properties in DFW. Wirehaired Trust handles all of my commercial property policies AND my personal homeowners. One call, everything gets handled. They're the definition of a real partner."

Google Review

Sandra L.Restaurant Owner — Austin, TX

★★★★★

"Our previous agent had us underinsured and we didn't even know it until Wirehaired Trust did a coverage review. They found a liquor liability gap that could have been catastrophic. Switched everything to them immediately."

Google Review

Robert M.Self-Storage Operator — Orlando, FL

★★★★★

"I own three self-storage facilities in Central Florida. Most agents don't understand LRO or how to structure business income coverage for storage. Wirehaired Trust absolutely does. First renewal we had in years where I actually understood my policy."

Google Review

Amanda F.STR Portfolio Owner — 30A, FL

★★★★★

"I had 7 Airbnb properties on 30A with a homeowners policy that excluded all STR activity. I didn't know until Wirehaired Trust reviewed my coverage. They restructured everything with proper STR dwelling policies. Game changer for my portfolio."

Google Review

Had a great experience with Wirehaired Trust? Your review helps other Texas and Florida businesses find an agency they can trust.

Leave a Google Review

Get a Personal Insurance Quote

Tell us about yourself and what you're looking to protect. A Wirehaired Trust personal lines advisor will follow up with tailored options — no pressure, no runaround.

Your Personal Insurance Quote

The more context you share, the better we can match you with the right coverage at the best available price.

Thank you! We received your quote request and a Wirehaired Trust personal lines advisor will be in touch with you shortly.

Your Information

First Name *

Last Name *

Email Address *

Phone Number *

City

State *

ZIP Code

Coverage Interests

What are you looking to insure? (Select all that apply)

Homeowners Insurance Personal Auto Personal Umbrella Flood Insurance Renters Insurance Valuables & Jewelry Boat & Watercraft

Home Address (if requesting homeowners or flood quote)

Do you own or rent your home?

Year Home Built

Number of Vehicles (if requesting auto quote)

Current Coverage

Current Insurance Carrier

Policy Expiration Date

Approximate Current Annual Premium

Anything Else We Should Know?

Your information is private and never sold. A licensed Wirehaired Trust personal lines advisor will follow up — not a call center.

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Prefer to talk first? Call us at (281) 671-0069 or email info@pointeriaus.com — a personal lines advisor answers directly.

Health Care Insurance

Protecting the organizations and professionals that deliver care — from physician groups and outpatient clinics to behavioral health providers and senior living facilities across Texas and Florida.

Health care organizations in Texas and Florida operate in one of the most complex and liability-intensive environments in any industry. From the moment a patient enters your facility to the documentation left in your systems after discharge, your exposure is significant — and so is the cost of getting your insurance program wrong.

Wirehaired Trust works with health care providers of all types to build coverage programs that address the full scope of their risk: clinical liability, property, cyber, employment practices, directors & officers, and more. We shop the market to find carriers with genuine health care expertise — not general commercial underwriters treating your practice like any other business.

Health Care Is One of Our Most Complex Coverage Classes

→Medical malpractice (professional liability) is the cornerstone of any health care program — and requires carriers with deep claims expertise in TX and FL
→Cyber liability is critical: health care organizations are the #1 target for ransomware and data breaches in the country
→Employment practices liability (EPLI) is essential in high-turnover, credentialing-intensive environments
→Directors & Officers (D&O) coverage protects board members and executives of health care organizations from governance-related claims

Coverages We Place for Health Care Organizations

✓Medical Malpractice / Professional Liability — Occurrence and claims-made forms; tail coverage for departing providers
✓General Liability — Premises liability, visitor injury, and third-party bodily injury claims
✓Commercial Property — Buildings, medical equipment, contents, and business income
✓Cyber Liability & Data Breach — HIPAA breach response, ransomware, network security, and patient notification costs
✓Directors & Officers (D&O) — Governance and fiduciary liability for health care executives and boards
✓Employment Practices Liability (EPLI) — Wrongful termination, harassment, and discrimination claims
✓Workers’ Compensation — For clinical and administrative staff across TX and FL; compliance-ready
✓Commercial Auto — Medical transport, home health vehicles, and company fleets
✓Umbrella / Excess Liability — Broader limits for health care organizations with significant public exposure

Health Care Organizations We Serve

Physician Groups Outpatient Clinics & Surgery Centers Behavioral Health Providers Senior Living & Memory Care Home Health Agencies Dental Practices Mental Health Counselors Healthcare Staffing Firms

Why Health Care Coverage Demands a Specialist

General commercial insurance programs are often inadequate for health care organizations. Coverage exclusions, sub-limits, and non-standard policy forms can leave significant gaps that only appear at claim time. We review your existing program, identify exposure gaps, and build a coverage architecture designed around how your organization actually operates.

Request a Health Care Insurance Quote

Non-Profit & Religious Organization Insurance

Purpose-built insurance programs for non-profits, foundations, faith-based organizations, and charities across Texas and Florida — protecting your mission, your people, and your community.

Non-profit and religious organizations serve their communities with a level of trust and commitment that makes their insurance program critically important — and uniquely complex. From volunteer management and event liability to directors & officers exposure and sexual misconduct liability, the risks your organization faces require specialized coverage that standard commercial policies often fail to provide.

Wirehaired Trust understands the mission-driven nature of non-profit work. We partner with organizations across Texas and Florida to build insurance programs that protect against the unique risks of community service — without draining the resources that should go toward your mission.

Coverage Areas Unique to Non-Profits & Religious Orgs

→Directors & Officers liability protects board members from governance-related claims — essential for any non-profit with a board
→Sexual misconduct and abuse liability coverage is a critical and often-overlooked need for organizations working with vulnerable populations
→Volunteer liability and accident coverage protects both your organization and the people who give their time
→Event liability coverage for fundraisers, community events, and gatherings that occur on and off your property

Coverages We Place for Non-Profits & Religious Organizations

✓Directors & Officers (D&O) — Governance liability for board members, executives, and committee leaders
✓General Liability — Premises and operations coverage for visitors, volunteers, and events
✓Commercial Property — Buildings, contents, and equipment used for ministry or organizational purposes
✓Sexual Misconduct & Abuse Liability — Critical for organizations working with minors, seniors, or vulnerable adults
✓Employment Practices Liability (EPLI) — Wrongful termination, discrimination, and harassment claims involving employees and volunteers
✓Volunteer Accident Coverage — Medical and accident benefits for injured volunteers
✓Event Liability — Coverage for fundraisers, galas, community events, and off-site gatherings
✓Cyber Liability — Donor data protection, breach response, and network security
✓Crime / Fidelity — Employee dishonesty and theft protection for organizations managing donor funds
✓Workers’ Compensation — For paid staff across Texas and Florida
✓Commercial Auto — Organization vehicles, transport vans, and driving volunteers
✓Umbrella / Excess Liability — Broader limits above primary GL and D&O policies

Types of Organizations We Serve

Churches & Faith Communities Charities & Foundations Social Service Organizations Schools & Educational Non-Profits Youth Programs & Camps Food Banks & Shelters Community Development Orgs Arts & Cultural Organizations

Request a Non-Profit Insurance Quote

Life Sciences Insurance

Insurance and risk solutions for biotech firms, pharmaceutical companies, medical device manufacturers, CROs, and nutraceutical companies operating in Texas and Florida.

The life sciences industry operates at the intersection of innovation and regulation — where the stakes of a product failure, a clinical trial incident, or an intellectual property breach are extraordinarily high. Standard commercial insurance programs are simply not designed for the complexity that biotech, pharma, medical device, and contract research organizations face.

Wirehaired Trust works with life sciences companies at every stage — from early-stage startups running their first clinical trial to established manufacturers with distribution across Texas, Florida, and beyond. We access specialty carriers with genuine expertise in life sciences risk, and we structure programs that scale as your organization grows.

Why Life Sciences Requires Specialty Coverage

→Product liability for life sciences is unlike any other industry — the claims complexity, regulatory exposure, and litigation environment demand specialist carriers
→Clinical trial liability covers bodily injury to human subjects and must be structured to satisfy IRB and FDA requirements
→Intellectual property and cyber exposure is acute — your research pipeline and formulation data are among your most valuable assets
→As companies grow, Mergers & Acquisitions (M&A) transactional liability and representation & warranty insurance become increasingly relevant

Coverages We Place for Life Sciences Companies

✓Product Liability — Bodily injury and property damage arising from your products, including recall expense coverage
✓Clinical Trial Liability — Coverage for bodily injury to human subjects during research studies; structured to meet IRB and sponsor requirements
✓Professional Liability / E&O — For contract research organizations, lab services, and consulting operations
✓Cyber Liability — Research data, patient data, and proprietary formulation protection against breach and ransomware
✓Commercial Property — Laboratory equipment, controlled environments, inventory, and research infrastructure
✓Directors & Officers (D&O) — Governance liability for executives and boards of life sciences companies; especially critical for publicly held or venture-backed firms
✓Employment Practices Liability (EPLI) — Wrongful termination, discrimination, and harassment coverage
✓Workers’ Compensation — For lab, clinical, and administrative staff; specialized class codes for life sciences environments
✓Commercial Auto — Fleet vehicles and specimen transport
✓Umbrella / Excess Liability — Higher limits to match the potential severity of product liability claims

Life Sciences Segments We Serve

Biotech Firms Pharmaceutical Companies Medical Device Manufacturers Contract Research Organizations (CROs) Contract Manufacturers (CMOs) Nutraceutical Companies Lab & Diagnostic Services

Request a Life Sciences Insurance Quote

Real Estate Insurance

Comprehensive insurance and risk solutions for real estate owners, developers, operators, and investors across Texas and Florida — from single assets to complex multi-property portfolios.

Real estate in Texas and Florida is one of the most active and dynamic markets in the country — and one of the most exposure-rich. Whether you own a single commercial building or manage a portfolio spanning multifamily, industrial, retail, and office assets, your insurance program needs to reflect how your assets actually operate, how your capital is structured, and what your lenders require.

Wirehaired Trust provides real estate owners, developers, and investors with insurance programs built around the full asset lifecycle — from acquisition and construction through stabilization and disposition. We work across all major asset classes and help real estate professionals consolidate, simplify, and strengthen their coverage without overpaying.

Real Estate Insurance Across the Full Asset Lifecycle

→Acquisition: property due diligence, transactional liability, and representation & warranty insurance for deal-ready coverage
→Development: builders risk, contractor liability, and project-specific programs during construction
→Operations: commercial property, GL, loss of rents, and tenant liability across stabilized assets
→Disposition: tail coverage and transactional liability for sellers managing post-sale exposure

Coverages We Place for Real Estate Clients

✓Commercial Property — Building, contents, and improvements for all asset classes; accurate replacement cost valuation
✓General Liability / Lessor’s Risk Only (LRO) — Premises liability for property owners who do not occupy their buildings
✓Business Income / Loss of Rents — Revenue protection when a covered loss interrupts occupancy
✓Builders Risk — Coverage for structures under construction; ground-breaking through certificate of occupancy
✓Directors & Officers (D&O) — Governance liability for REITs, property management companies, and investment entities
✓Errors & Omissions (E&O) — Professional liability for property managers, brokers, and real estate advisors
✓Cyber Liability — Tenant data, property management systems, and online rent payment platform protection
✓Environmental Liability — Pollution and contamination exposure for industrial, warehouse, and mixed-use properties
✓Umbrella / Excess Liability — Higher limits required by lenders and institutional partners
✓Transactional Liability — Representation & warranty, tax liability, and environmental insurance for acquisitions and dispositions
✓Flood Insurance — NFIP and private market flood coverage for TX and FL properties in flood-zone areas

Real Estate Asset Classes We Cover

Multifamily / Apartments Office Buildings Industrial & Warehouse Retail & Mixed-Use Self-Storage Facilities Hospitality & Hotels Medical Office Buildings Land & Development Sites Short-Term Rental Portfolios

Request a Real Estate Insurance Quote

Privacy Policy

Wirehaired Trust is committed to protecting the privacy and security of your personal information. This policy explains what we collect, how we use it, and your rights.

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Last Updated: January 2025. This Privacy Policy applies to all personal information collected through www.pointeriaus.com and through our business operations across Texas and Florida.

Purpose of This Notice

Title V of the Gramm-Leach-Bliley Act (GLBA), along with applicable federal, Texas, and Florida state regulations, generally prohibits any financial institution — including licensed insurance agencies — from sharing non-public personal information about you with unaffiliated third parties unless the institution first provides you with clear notice of its privacy policies and practices.

As a licensed, independent insurance agency operating in Texas and Florida, Wirehaired Trust complies fully with GLBA requirements and all applicable state privacy laws. This document constitutes our formal privacy notice to you. We are committed to data security and to protecting the confidentiality of the information you share with us.

Please read this policy carefully. If you have any questions, contact us at info@pointeriaus.com or call (281) 671-0069.

Scope of This Privacy Policy

This Privacy Policy applies to all personal information Wirehaired Trust may collect about you, including but not limited to:

✓ Information collected through www.pointeriaus.com and all associated pages where this Privacy Policy is linked
✓ Information submitted through quote request forms, contact forms, and client intake forms on our website
✓ Information exchanged in emails, text messages, phone calls, and in-person meetings with Wirehaired Trust advisors
✓ Information shared with us by insurance carriers, third-party vendors, or public data sources in the course of providing services
✓ Information provided by you as part of obtaining insurance coverage, HR services, employee benefits, or payroll services
✓ Information received from your employer or group benefit program sponsor in connection with employee benefit administration

Information We Collect

We collect non-public personal information about you from the following sources:

✓ Information you provide on quote request forms, applications, or intake forms — including your name, address, date of birth, contact information, and financial or property details
✓ Information about your transactions with us, our carrier partners, or affiliated service providers — including coverage details, premiums, and claims history
✓ Information received from consumer reporting agencies — such as credit history or loss history reports used in connection with insurance underwriting
✓ Business information provided in the course of obtaining commercial insurance — including revenue, payroll, employee headcount, and operational details
✓ Technical data collected automatically through your use of our website — including IP address, browser type, pages visited, and session duration (see Cookies section below)
✓ Information you provide when you contact us directly by phone, email, or in person

How We Use Your Information

We use the information we collect for legitimate business purposes, including:

✓To provide and administer your insurance coverage — submitting applications to carriers, managing renewals, processing endorsements, and assisting with claims
✓To deliver HR and payroll services — including payroll processing, employee benefits administration, retirement plan management, and HR compliance support
✓To respond to your inquiries and service requests — including quote requests, coverage questions, and claims assistance
✓To communicate with you — including policy updates, renewal notices, service updates, and educational content relevant to your coverage
✓To improve our website and services — analyzing site usage, identifying performance issues, and improving the user experience
✓To comply with legal and regulatory obligations — including GLBA requirements, Texas Department of Insurance regulations, Florida Department of Insurance regulations, and other applicable law
✓To protect our business and enforce our rights — including fraud detection, security monitoring, and legal defense

We Do Not Sell Your Personal Information

Wirehaired Trust does not sell, rent, or trade your personal information to third parties for their own marketing purposes. Your information is used solely to serve you and to operate our business — nothing else.

Information We May Share with Third Parties

In the normal course of providing insurance and HR services, we may share certain information with third parties strictly as necessary to serve you. We do not disclose your personal information except in the following circumstances:

Insurance-Related Third Parties

✓ Insurance carriers, wholesale brokers, managing general agents (MGAs), and surplus lines markets to whom we submit applications on your behalf
✓ Claims adjusters, third-party administrators (TPAs), and loss control consultants assisting in the claims or risk management process
✓ Consumer reporting agencies and credit bureaus used in connection with underwriting or loss history verification
✓ Premium finance companies when you elect a premium financing arrangement

HR and Payroll-Related Third Parties

✓ Payroll processing platforms, HRIS technology providers, and HR software vendors engaged to deliver HR and payroll services on your behalf
✓ Employee benefits carriers, group health insurers, and retirement plan administrators in connection with benefit program enrollment and administration
✓ Government agencies — including the IRS, Texas Workforce Commission, and Florida Department of Revenue — as required for payroll tax reporting and compliance

Technology and Service Providers

✓ Our agency management system (AMS) — Momentum / NowCerts — which stores client records, policy data, and communication history in a secure platform
✓ Website hosting, form processing, and email delivery providers used to operate our digital presence and communications
✓ Analytics platforms — including Google Analytics — used in anonymized, aggregated form to understand website traffic and improve user experience

All third parties with whom we share your information are required by contract and applicable law to maintain the confidentiality and security of your personal information. They may not use or disclose it for any purpose other than performing services for Wirehaired Trust or as required by law.

Agency Management System (AMS) — Momentum / NowCerts

Wirehaired Trust uses Momentum / NowCerts as our agency management system. Information you provide — including your name, contact information, coverage details, and business information — is stored within this secure platform to enable us to manage your account, track policy activity, and provide ongoing service. This data is subject to the security and privacy standards maintained by our AMS provider, in addition to the protections described in this policy.

Cookies and Website Tracking

Our website uses cookies and similar tracking technologies to improve your browsing experience, analyze website traffic, and understand how visitors interact with our content.

What Are Cookies?

Cookies are small text files stored by your web browser when you visit a website. They help us recognize returning visitors, remember preferences, and improve site performance. Cookies identify your browser session, not you personally as an identifiable individual.

How We Use Cookies

✓Essential cookies — Required for the website to function properly; cannot be disabled
✓Analytics cookies — Used to understand how visitors use our site, which pages are most visited, and where traffic originates (Google Analytics)
✓Marketing cookies — Used to understand the effectiveness of our marketing efforts and, where applicable, to display relevant advertising

You may disable cookies through your browser settings at any time. Note that disabling cookies may affect the functionality of certain features on our website.

Links to External Websites

Our website may contain links to third-party websites, including insurance carrier portals, industry resources, and partner sites. When you click a link to an external website, you leave the Wirehaired Trust website. This Privacy Policy does not apply to third-party websites, and we are not responsible for the privacy practices of those sites. We encourage you to review the privacy policy of any external website you visit.

Data Security

Wirehaired Trust takes the security of your personal information seriously. We implement reasonable physical, electronic, and procedural safeguards to protect your information against unauthorized access, disclosure, alteration, or destruction. These safeguards include:

✓ Encrypted transmission of sensitive information via SSL/TLS on our website
✓ Access controls limiting who within our organization can access your personal information
✓ Use of a secure, compliant agency management system (Momentum / NowCerts) for storing client records
✓ Regular review of our security practices in light of evolving threats and regulatory requirements

No method of electronic transmission or storage is 100% secure. While we strive to protect your personal information using commercially reasonable standards, we cannot guarantee absolute security. If you have reason to believe your information has been compromised, please contact us immediately at info@pointeriaus.com.

Your Privacy Rights

Depending on your state of residence, you may have certain rights with respect to your personal information.

Texas Residents

Texas residents may have rights under the Texas Privacy Protection Act and related consumer protection laws. These may include the right to request access to personal information we hold about you, the right to request correction of inaccurate information, and the right to opt out of certain data sharing practices. To exercise these rights, contact us at info@pointeriaus.com.

Florida Residents

Florida residents may have rights under the Florida Information Protection Act (FIPA) and related state laws. These may include the right to be notified of a data breach involving your personal information and the right to request information about how your data is used. To exercise these rights, contact us at info@pointeriaus.com.

Opt-Out of Marketing Communications

You may opt out of receiving marketing communications from Wirehaired Trust at any time by contacting us at info@pointeriaus.com or by following the unsubscribe instructions in any marketing email we send. Please note that opting out of marketing communications does not affect our ability to send you transactional communications related to your existing coverage or services.

Children’s Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately at info@pointeriaus.com so we can promptly delete it.

Changes to This Privacy Policy

Wirehaired Trust reserves the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our website or services after any changes constitutes your acceptance of the revised policy.

Contact Us About This Privacy Policy

If you have questions, concerns, or requests related to this Privacy Policy or our privacy practices, please contact us:

Wirehaired Trust

Houston, Texas

Phone: (281) 671-0069

Email: info@pointeriaus.com

This Privacy Policy is provided in compliance with the Gramm-Leach-Bliley Act (GLBA), the Texas Privacy Protection Act, the Florida Information Protection Act (FIPA), and all other applicable federal and state privacy regulations governing licensed insurance agencies. Wirehaired Trust is licensed to sell insurance in the states of Texas and Florida.

Client SMS Opt In / Opt Out

Manage your text message communication preferences with Wirehaired Trust. Opting in allows us to send you policy updates, renewal reminders, and time-sensitive account information via SMS.

Manage Your SMS Preferences

Complete the form below to opt in or opt out of text message communications from Wirehaired Trust.

Thank you — your SMS preferences have been updated. If you opted in, you will begin receiving text messages at the number provided. If you opted out, you will no longer receive SMS messages from us.

First Name *

Last Name *

Mobile Phone Number *

Email Address *

Text Message Preference *

📱 Opt In — I want to receive text messages I agree to receive SMS/MMS messages from Wirehaired Trust including policy updates, renewal reminders, and account notifications. I understand this is not a condition of purchasing services, and I can opt out at any time by texting STOP. 😼 Opt Out — Remove me from text messaging I wish to stop receiving SMS/MMS messages from Wirehaired Trust at the mobile number provided. You may also text STOP at any time to unsubscribe immediately.

By submitting this form, I acknowledge that I have read and agree to the Wirehaired Trust Privacy Policy and the SMS Terms of Service listed on this page. Message and data rates may apply.

Terms of Service

When opted in, you will receive text messages (SMS/MMS) to the mobile number you provide. Messages may include policy renewal reminders, coverage update notifications, time-sensitive account alerts, and service communications from your Wirehaired Trust advisor.

To cancel at any time: Text STOP to our number. You will receive a confirmation message and will no longer receive SMS from Wirehaired Trust. To re-subscribe, text START or JOIN.

Need help? Text HELP for assistance, or contact us at info@pointeriaus.com or (281) 671-0069.

Carriers such as AT&T, Verizon, T-Mobile, and others are not liable for delayed or undelivered messages. Message and data rates may apply based on your wireless plan. Please contact your carrier if you have questions about your text or data plan.

Consent to receive SMS messages is not a condition of purchasing any insurance or services from Wirehaired Trust. This consent is given pursuant to the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and applicable Texas and Florida telephone solicitation laws. Standard message and data rates apply.

Privacy Notice

Personal information collected through this form — including your name, email address, and mobile phone number — is used exclusively to manage your SMS communication preferences with Wirehaired Trust.

We will not share your personal information with third parties for marketing purposes. Your information may only be used to provide the SMS service you requested, to comply with applicable laws, or as permitted under our Privacy Policy.

Questions about your SMS preferences? Call us at (281) 671-0069 or email info@pointeriaus.com

ERC SMS Opt In / Opt Out

Manage your Employee Response Center (ERC) text message preferences. The ERC SMS program delivers employee benefits updates, open enrollment reminders, and HR service notifications directly to enrolled employees via text message.

Employee Response Center

Manage Your ERC SMS Preferences

Complete the form below to opt in or opt out of Employee Response Center text message notifications from Wirehaired Trust HR Services.

Thank you — your ERC SMS preferences have been updated. If you opted in, you will begin receiving HR and benefits text notifications. If you opted out, no further ERC SMS messages will be sent to the number provided.

First Name *

Last Name *

Mobile Phone Number *

Email Address *

Employer / Company Name *

ERC Text Message Preference *

📱 Opt In — Send me ERC text notifications I agree to receive SMS/MMS messages from Wirehaired Trust HR Services including employee benefits updates, open enrollment reminders, plan change notifications, and other HR service communications relevant to my employer’s benefits program. I can opt out at any time by texting STOP. 😼 Opt Out — Remove me from ERC text messages I wish to stop receiving ERC SMS/MMS notifications from Wirehaired Trust HR Services at the mobile number provided. You may also text STOP to unsubscribe immediately.

By submitting this form, I acknowledge that I have read and agree to the Wirehaired Trust Privacy Policy and the ERC SMS Terms of Service listed on this page. Message and data rates may apply. Opting in is not a condition of employment or benefits enrollment.

What is the ERC? The Employee Response Center is Wirehaired Trust’s HR Services communication program that sends employees relevant benefits information, open enrollment deadlines, and plan updates via text — on behalf of their employer’s benefits program.

ERC Terms of Service

When opted in to ERC SMS, you will receive text messages (SMS/MMS) to the mobile number you provide on behalf of your employer’s benefits program administered by Wirehaired Trust HR Services. Messages may include open enrollment reminders, benefits eligibility updates, plan change notifications, and HR service announcements.

To cancel at any time: Text STOP to our number. You will receive a confirmation and will no longer receive ERC SMS. To re-enroll, text START or JOIN, or re-complete this form.

Need help? Text HELP or contact us at info@pointeriaus.com or (281) 671-0069.

Carriers are not liable for delayed or undelivered messages. Message and data rates may apply. Opting in is not a condition of employment or of participation in any employee benefit plan.

Privacy Notice — ERC

Personal information collected through this form — including your name, email address, mobile number, and employer name — is used solely to manage your ERC SMS enrollment and to deliver benefits-related text notifications on behalf of your employer.

This information is not shared with third parties for marketing purposes. It may be shared with your employer’s HR contact, benefit plan administrators, or as required by law. See our full Privacy Policy for details.

Questions about ERC SMS? Call us at (281) 671-0069 or email info@pointeriaus.com

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