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.
Construction & General Contractors
GL, workers' comp, commercial auto, builders risk, inland marine, and surety bonds. We know what every GC contract requires.
Learn more → ContractorsRoofing 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 → HospitalityRestaurants, 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 ServicesCar 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 EstateMultifamily Property Investors
Commercial property, general liability, loss of rents, crime, and umbrella coverage for apartment communities and multifamily portfolio investors.
Get a quote → Real EstateLight 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 EstateSelf-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 RentalAirbnb & 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 → ProfessionalProfessional Services
E&O, D&O, cyber liability, and commercial programs for consultants, tech companies, financial advisors, and service-based businesses.
Get a quote → TransportationTrucking & 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.
Get a quote → Health CareHealth Care Organizations
Medical malpractice, cyber, D&O, EPLI, GL, workers' comp, and property for physician groups, clinics, behavioral health, and senior living facilities.
Learn more → Non-ProfitNon-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 SciencesLife 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 EstateReal 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