Bayou City Risk

Our Expertise
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.

Homebuilders | Contractors | Vendors
"Working with insurance companies can be extremely difficult, but the Disama Group found it to be very refreshing to work with Bayou City Risk who truly care about what is right for the customer. They are not afraid to push the insurance carriers to do better for the customer! They appreciate the business and make you feel like you have been their client forever! We look forward to growing with Bayou City Risk!" Rebecca Jimenez - CFO Disama Building Group

Bayou City Risk’s Modified Blanket Builder’s Risk program provides significant premium savings, eliminations reporting for insureds and eliminates potential uncovered claims due to later 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.

“Builder’s Risk insurance is typically offered in either a “reporting” or “standard blanket” coverage format. Reporting formats often require tedious monthly reporting. If reporting is done incorrectly, it can result in uncovered losses. Both reporting and standard blanket coverage formats typically require the insured to pay premium based on “annual” rates, even if a structure is built and sold in less than one year.

Red and Gray Row Houses in Suburbia Street view of a row of houses. The front of each house has a porch, stairs and a sidewalk. home stock pictures, royalty-free photos & images

Builder's Risk
"The team at Bayou City Risk brings a welcomed approach to the insurance business... Their customers are served well, "the old fashioned way": Insurance coverage is purchased only for the time it is needed. In this approach, significant savings can be realized. THAT IS SERVICE!" Kevin Stuckey - President R. McLean Homes

Bayou City Risk’s Builder’s Risk program provides significant premium savings, eliminates reporting for insureds and eliminates potential uncovered claims due to later or non-reporting - for both Production and Custom Homebuilders. 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.

New homes construction site. Framed houses. Lumber. Building. New homes construction site construction site home stock pictures, royalty-free photos & images

Evening view of a modern house with swimming pool Evening view of a modern house with pool construction site home stock pictures, royalty-free photos & images

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.

General Liability Policy from Bayou City Risk offers contractors comprehensive, customized coverage at a lower cost than many of our competitors, who offer basic coverage that isn’t tailored to specialized industries. Bayou City Risk’s specialty offerings are rooted in the construction industry, so we understand the unique exposures your customers face.

A Bayou City Risk General Liability Policy includes:

General Liability limits up to $2M/$4M including products and completed operations
Contractors General Liability Enhancement including per project aggregate
Non-owned auto liability (optional)
Hired auto liability (optional)

Initial Eligibility

General Contractors who are active in day-to-day operations on the jobsite
Minimum 3 years in business
New construction of homes less than 3 stories”

Commercial 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 here at Bayou City Risk.

Commercial Auto

Protect your business vehicles with a Texas commercial auto policy from Bayou City Risk.

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.

Workers Compensation
“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.” Greg N. Tomlinson President/Owner BPT
Worker's 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

A Bayou City Risk’s Workers’ Compensation Policy can pay for medical expenses and partial missed wages when an employee is injured on the job or develops an occupational illness. Workers’ Compensation benefits also cover temporary or permanent disability and death benefits.

Group Health

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. Risk is spread across the insured population, which allows the insurer to charge low premiums.

Group health insurance plans are one of the most affordable types of health insurance plans available. Because risk is spread among insured persons, premiums are considerably lower than traditional individual health insurance plans. This is possible because the insurer assumes less risk as more people participate in the plan. For employees who ordinarily would not be able to afford individual health insurance, it is an attractive benefit.

Click the button below to see how Bayou City Risk is helping customer lower their premiums and co-pays with Group Health coverage plans.