COMPANY AT GLANCE
BAYOU CITY RISK
Here at Bayou City Risk, we are dedicated to you and all your commercial insurance needs. We have well over 25 years of experience in Construction Risk Management. Our mission is simple - "We make it our business to protect your business."
With clients that include Colina Homes, Butler Brothers, Winfrey Design Build, Cyrene Homes, Builders Post Tension, Disama Building Group, R. Mclean Homes, Harrisburg Homes & more – we have protected builders and their vendors since 1997 with pride.
Greg N. Tomlinson
"Bayou City Risk and Chris Hawkins have handled BPT’s workers comp policy from day one. Going on 23 years now. I could not have asked for a better Company or Individual looking out for our Company’s best interest."
OUR EXPERTISE
Builder’s Risk
Bayou City Risk’s Modified Blanket Builder’s Risk program provides significant premium savings, eliminates reporting for insureds and eliminates potential uncovered claims due to late or non-reporting. Our rates are applied on a pro-rata basis and premium is paid only for the period of time (in months) that each structure is covered by the insurance policy. Our low minimum premium requirements reduce the risk of overestimating exposure at the beginning of the policy period.
LEARN MORE
OUR EXPERTISE
General Liability
"WE MAKE IT OUR BUSINESS TO PROTECT YOUR BUSINESS"
General Liability Insurance protects contractors financially from amounts they become obligated to pay due to damages or medical payments because of bodily injury, property damage or personal/advertising injury to third parties occurring during the policy period caused by or relating to the contractor's work.
OUR EXPERTISE
Workers Compensation
Workers’ compensation insurance covers medical costs and lost wages for work-related injuries and illnesses. This policy is required in almost every state for businesses that have employees.
In the construction industry, physical labor brings a high risk of injuries that could place a tremendous financial burden on your business. For instance, if a carpenter has an accident with a nail gun, it could lead to hefty medical bills and downtime.
OUR EXPERTISE
Umbrella / Excess
Umbrella insurance provides coverage for when your liability coverage has reached its limit. In addition, this particular type of protection offers coverage for liability claims that may not be included in your other policies. Umbrella insurance can help cover the costs of harm to others or loss of their property.
The main benefit of umbrella insurance is your increased protection from legal and financial liabilities in the event you are sued and found liable for an accident, injury or other damage. Unlike auto or home insurance policies, which tend to have lower coverage limits, umbrella insurance coverage can be significant.
Let Bayou City Risk show you how they are helping customers protect their business.
OUR EXPERTISE
Business Property
Commercial property insurance is coverage that protects a business’s real property. This includes commercial buildings and structures, as well as assets like equipment, technology, furniture, and inventory
Having the right coverage for property and development projects is critical for all builders and businesses in the homebuilding industry. At Bayou City Risk, we offer the best Builder’s Risk policy in the market as well as unique coverage for the office properties of our customers.
OUR EXPERTISE
Commercial Auto
Protect your business vehicles with a Texas commercial auto policy.
Bayou City Risk Commercial Auto Insurance includes liability and property damage protection for cars, trucks and vans that you use for business. It can also cover food trucks, service utility trucks, trailers, and other types of vehicles. Businesses need commercial auto insurance to protect from accidents and other liabilities involving their business vehicles. Personal auto policies usually don’t cover vehicles used for business because they’re generally exposed to more liability than personal autos.
Let Bayou City Risk share how we are helping companies today with their Commercial Auto coverage needs.
OUR EXPERTISE
Group Health Insurance
Group health insurance plans offer medical coverage to members of an organization or employees of a company. They may also provide supplemental health plans—such as dental, vision, and pharmacy—separately or as a bundle. The most common type of group life insurance is group term insurance that renews yearly. This type of insurance provides only a death benefit and is the least expensive option.
Specializing in the Construction and Building industries, at Bayou City Risk we have the capabilities to offer your company tailored group benefit solutions. This focus allows us to be experts in the arena and our clients are in the best position possible - informed and prepared. Contact us to learn more about coverage options.
Greater Builder Houston Association
We Are Proud to Sponsor HomeAid
Increase Your Liability Management
Ask how you can increase your liability management program for new construction with Bayou City Risk & ACES Builders' Warranty
Risk management is a critical aspect of any business, and companies in the Houston, Texas area are no exception. Whether it's a property company, construction firm, or any other industry, managing risks is essential to ensure business continuity and financial stability. There are various types of risks that companies face, including general liability, workers' compensation, builders' risk, and property risks.