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. We specialize in Florida's challenging coastal insurance market.

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.

Real Estate Brokers & Agents E&O

Professional liability for brokerages and agents for errors in transactions, disclosures, and representation.

Who Needs It

Residential and commercial brokerages
Individual agents where the brokerage does not cover them
Property managers under a brokerage license

What It Covers

Claims for negligence, misrepresentation, and disclosure failures
Defense costs
Fair-housing discrimination defense (sublimited)
Lockbox and open-house liability on some forms
Property management E&O where endorsed

What It Does Not Cover

Bodily injury and property damage
Fraud and intentional misrepresentation
Commission disputes on most forms
Transactions where the agent is a principal without disclosure

Texas Notes

TREC does not mandate E&O, but most brokerages require it for affiliation; Texas seller's disclosure claims are the most frequent.

Florida Notes

Florida DBPR does not mandate E&O; Florida transaction claims frequently involve flood and wind-damage history disclosure.

Real Estate Brokers & Agents E&O Questions We Hear Most

Does my brokerage's policy cover me?

Usually while you are affiliated, subject to its deductible and limits. Confirm whether prior acts follow you if you move.

Does a prior claim mean I can't get coverage?

Rarely. Carriers price and underwrite on frequency and severity over three to five years. One closed claim usually narrows the market slightly; a pattern narrows it a lot. Tell us everything up front; an undisclosed claim found at binding is worse than a disclosed one.

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This guide is general education from a licensed independent agency, not legal advice or a promise of coverage. Every policy is governed by its own forms, endorsements, limits, and exclusions. Ask us to review the actual form before you rely on it.