Business Insurance & Employee Benefits in Texas

In Texas, GSP Insurance Group serves businesses and employers: commercial insurance and employee benefits only. We don’t write Texas homeowners or personal auto — and we believe telling you that up front is what a trusted advisor does.

Texas is a big state with big weather — Gulf wind on the coast, hail across much of the interior — and a business market to match. As an independent agency we compare multiple carriers for your commercial program, explain the trade-offs, and build coverage around how your operation actually runs.

Property and fleet risk across Texas

Two exposures come up in almost every Texas commercial conversation:

• Weather on the building. Hail is a fact of life across much of Texas, and Gulf-coast businesses add hurricane wind on top. On commercial property, that means paying attention to wind/hail deductibles — often percentage-based — and how roofs are valued at claim time. And commercial policies exclude rising-water flood, so that risk needs its own answer.
• Wheels on the road. Texas businesses drive. From service vehicles to heavy trucks, commercial auto and trucking coverage carry some of the most serious liability a company faces. We match limits and coverage to what you actually haul and where.

Benefits for Texas teams

Hiring in Texas is competitive, and a benefits program that employees understand is a real advantage. We design and service group health plans and ICHRA arrangements — a structure many growing Texas employers like for its budget predictability and employee choice — plus voluntary benefits to round out the package.

We stay involved after enrollment: employee questions, compliance support, and renewal strategy that looks at the whole program, not just this year’s rate.

What we don’t do in Texas

We’re licensed in Texas for commercial insurance and employee benefits, not personal lines. If you need Texas homeowners or personal auto coverage, a licensed Texas personal-lines agent is the right fit — ask us and that’s the honest answer you’ll get.