States we serve · Texas
Warehouse and distribution insurance in Texas
Two programs, one question: whose goods are at risk? We place both sides of the Texas trade — the operator holding a customer’s freight, and the distributor who owns every pallet on the rack.
Texas is the only state where a warehouse owner may opt out of the workers’ compensation system altogether — and it asks that owner to make the choice while running goods through a Gulf seaport, a Mexican land border, and the country’s densest inland distribution belt.
Which one are you?
The two programs below are genuinely different risks, not two names for the same policy. Pick the one that describes your operation — or tell us on the quote form if you do both, which many Texas businesses do.
Warehouse business insurance in Texas
For the public, 3PL, contract, bonded, cold-storage, and fulfillment operators who hold OTHER companies’ freight. The goods under your roof are not yours — so warehouse legal liability leads the program, and your storage contract sets the duty of care.
Read the warehouse program → Your goods, anywhere they go.Distributor & wholesaler business insurance in Texas
For the merchant wholesalers, food and beverage distributors, and importers who OWN what they sell. The inventory is yours everywhere it goes — so stock throughput leads, and products liability follows you down the chain of distribution.
Read the distributor & wholesaler program →Where we place Texas risks: Houston · Dallas · Fort Worth · San Antonio · Austin · Laredo · El Paso · Corpus Christi.
Get a Texas insurance quote
Quotes in 1–2 hours during business hours.