Nolasko -Insurance Advisors

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Insurance for small and midsize businesses

We are an independent insurance agency in The Woodlands, Texas, providing insurance for small and midsize businesses looking for objective advice, professional service and a risk-management approach to commercial insurance coverage.

Independent means we have the ability to shop several insurance carriers on your behalf or change the insurance companies, as needed, to suit our your needs.

We provide commercial insurance for companies and organizations with 5 to 500 employees, in the energy, industrial, real estate, and service industries. We provide you with the following coverage:

  • Commercial property
  • General liability
  • Pollution
  • Control of well
  • Business Interruption
  • Workers compensation
  • Commercial auto
  • Surety and performance bonds
  • Employee benefits
  • Corporate-owned life and disability insurance

We believe service is what separates us from other insurance agencies. We are dedicated to working for you, our client. You deserve to have your agent be available to you to provide the service you expect as a paying policyholder.

We take a risk-management approach when we put together your coverage. Getting you a quote is the easy part. Making sure your company is not exposed to risks that can be avoided is part of what we do for you when you choose us for your commercial insurance needs.

Commercial Insurance

We will help you protect your business real estate, commercial vehicles and equipment, business assets and income through a combination of coverage including property, general liability, business interruption, cyber and professional liability, among others.

The coverage will be tailored to your business needs and exposures. Commercial insurance can be established as a package or by parts, which can be added based on specific business needs.

We assist businesses in the energy, real estate, medical and professional services and industrial sectors in assessing exposures and with plan design, essential to protecting the business from both expected and unforeseen risks.

As independent an broker-agent we then go the marketplace and find the right carrier for your insurance needs.

Our goal is to save you 8% or more on your current premium, in addition to providing you with the professional service you deserve.

Some of the most common forms and components in commercial insurance will include:

  • Property
  • General liability and umbrella
  • Business interruption
  • Commercial auto
  • Workers compensation
  • Cyber liability
  • Electronic data processing
  • Inland marine
  • Flood
  • Employee benefits

Let ‘s find coverage that fits your needs.


Request a Commercial Insurance Quote


Commercial Package Policy -CPP

This is a commercial insurance policy for companies with complex or specialized risks because of the nature of their business or industry.

A commercial package policy can be tailored to the specific risks for which your business requires coverage.

  • Standard coverage includes property and general liability insurance (bundled).
  • Enables you to bundle various other coverages in one policy.
  • Other coverages added as needed, including equipment breakdown, inland marine, and others.

Business Owner Policy -BOP

A BOP is a commercial policy available to most companies with 100 or fewer employees and under $5 million in sales. This type of policy can provide basic coverage for the basic risks -property, general liability and business interruption.

  • Property, liability and business interruption are bundled together.
  • Available only to certain types and size of business.
  • Additional coverage may be added as needed, professional liability, umbrella insurance, etc.

Property

This includes real estate owned by the business, as well as other business property such as equipment, inventory and supplies. Property coverage pays for your loss at replacement cost or stated value.

  • Flood insurance is a separate coverage, not part of property.

General Liability Insurance

It protects you against claims and lawsuits, covering the cost of your legal defense and paying damages on:

  • Property damage, bodily, personal and advertising injury caused by your products and services, business operations or your employees, or an injury at your place of business or caused by using your products or services.
  • An umbrella policy can broaden and increase coverage.

Workers Compensation

Covers the cost of medical care and rehabilitation for workers injured on the job.

  • Compensates them for lost wages and provides death benefits for their dependents, if they are killed in work-related accidents.
  • Protects against law suits from employee, regardless of who or what caused the accident leading to injury.

Professional Liability

Provides protection on claims not covered by your general liability insurance.

  • Errors and Omissions.
  • Directors and officers.
  • Legal and medical malpractice.
  • Other professions that should have it include accountants, architects, engineers, real estate agents.

Business Interruption Insurance

Covers business shut down because of a covered loss.

  • Replaces lost revenues and covers extra expenses for relocation
  • Included in the Business Owner Policy.
  • It can be added to a Commercial Package or commercial property insurance.

Cyber Liability

Covers the costs and liability associated with data breach and theft of customers’ personal information such as:

  • Social Security numbers
  • Credit card numbers
  • Account numbers
  • Driver’s license numbers
  • Dates of birth
  • Health records

Electronic Data Processing

Covers costs associated with the loss or damage of electronic data processing media or equipment.

Business Crime Insurance

Covers losses from burglary, computer fraud, employee dishonesty and other business crimes.

Commercial Umbrella -Excess Liability

Increases and broadens liability coverage, filling in gaps left by other coverages.

Commercial Vehicles

Also known as business vehicle or “fleet” insurance. It is a separate coverage not included in either a Business Owner Policy (BOP) or a Commercial Package Policy (CPP).

  • Coverage for liability when personal vehicles used to conduct company business.

Life Insurance For Business Succession

Your business faces many risks for which may may already have commercial insurance: fire, crime, commercial liability, etc. The death or disability of a key person in the business is another risk. Among the implications are:

  • The loss of sales due to down time.
  • The cost of replacing an executive.
  • Buying the deceased’s share of the business.
  • Legal costs.

Employee Benefits

Available as self-funded or fully insured benefits

  • Major medical, dental and vision.
  • Accident and critical illness.
  • ERISA reporting and ACA compliance.
  • Bilingual enrollment services.
  • International group medical.

Request a Commercial Insurance Quote


 

Visit these websites for additional information and resources on business insurance:
Texas Department of Insurance
Insurance Information Institute

Employee Benefits for Small Business

As a small business owner, having solid employee benefits is not only good for your small business, but it is also a sound strategy for your own personal financial stability.

We are a small firm that specializes in working with small groups, from 5 to 500 employees. We offer assistance with plan design on qualified health plans (major medical), dental, vision, voluntary benefits, life and disability insurance; as well as self-funded benefits.


Let ‘s find coverage that fits your needs -Click here to contact us!


Cafeteria Plan

The design and implementation phase includes the installation of a cafeteria plan (section 125 of the IRS Code) at no cost to the employer. A section 125 plan, commonly known as a cafeteria plan, allows payment of benefits on a before-tax basis, bringing tax saving to both employees and employer.

Health Insurance for Small Business

You may offer a choice of plan to your employees, including dental and vision while keeping billing easy and simple. We assist you in selecting, offering, implementing, and servicing your plan with the personal attention everyone in your business deserves.

Disability insurance for individuals and small groups.

Life and Disability Insurance

Most people are uninsured or under-insured for life and disability. Life and disability insurance replaces the employee’s income and protects the family in the event of death or disability due to illness or an accident. Many employers offer some life insurance coverage at no cost and share the disability premium cost.

Voluntary Benefits

These are employee-paid benefits that are made available through the employer and can be selected during enrollment. These are indemnity policies that cover a range of risks: hospitalization, critical illness (cancer, tumors, heart), accidents, etc. These additional benefits help employees with their out of pocket expenses on their medical insurance.

Bilingual Enrollment Services

Bilingual benefits education
Bilingual benefits education

Communication with your employees and education about the employee benefits available to them is essential to their participation in the program. The state of Texas is 37% Hispanic, the U.S. is 16% Hispanic. We are ready to educate your employees about their benefits in Spanish too so everyone is informed and your company meets the participation requirements set by the ACA.

Self-Funded Benefits

Employers with stable and predictable annual revenues (income) may benefit from a self-funded benefits program that eliminates premiums to insurance companies and gives more control on plan design and cash. The business is protected by a stop-loss policy that covers services beyond what is forecast.


New small group plans may start at any point in time in the year. Offer plan choice, see if your company qualifies for Small Business Health Care Tax Credit.

Let ‘s find coverage that fits your needs

Personal and Family Insurance

Auto Insurance

Auto insurance in Texas
Protect your assets, consider adding umbrella coverage.

Generally speaking, there are 4 parts to an auto insurance policy. It is a good practice to review and understand your coverage, so you know what you can count on if an accident were to happen.

  1. Liability to others
  2. Protection from others who are NOT insured or sufficiently insured
  3. Protection for your car
  4. Additional coverage
Request an Auto Insurance Quote

Homeowners Insurance

Protect your home, your valuables and your savings.

Do you know what your home is insured for and how much your deductible is?

We are able to cover residential properties in Harris County. We insure  homes valued at $400,000 and up.

The standard homeowners insurance policy covers:

  • The structure of your home
  • Personal belongings
  • Liability protection
  • Additional living expenses –for an insured loss

Flood is covered only through the National Flood Insurance Program, it is not included in your homeowners policy.

Request a homeowners insurance quote today.


Life Insurance and Long-Term Care

Protect your loved ones, leave a legacy.

Protect your loves ones and family assets. Create a legacy for what matters to you.

  • Term Life –usually more affordable, no cash accumulation.
  • Universal Life –higher premium, permanent coverage with cash accumulation.
  • Long-term care riders (add-on) available.

Request an illustration


Retirement annuities

Fixed and indexed annuities
Protect your retirement assets from downside.

Insure your future income with a fixed or fixed-indexed annuity. Rollover your retirement distribution to an account you control, where your principal is guaranteed.

  • Retirement plan transfers or rollovers
  • May also open with non-qualified (after-tax) money
  • Fixed interest rate or pegged to an index
  • Principal is guaranteed by insurance company

5 year period, with 10% access per year is often used.

Request an illustration


International Life Insurance

International Life Insurance
Protect your family with worldwide life insurance coverage

For international clients, non-U.S. citizens/residents or U.S. citizens/residents living overseas.

  • Must have a financial connection to the U.S.
  • Application must be completed and signed in person in the U.S. or its territories

Term or universal life coverage.

Request an illustration


International Medical Insurance

International Medical Insurance
Medical insurance, includes political unrest evacuation.

Long-term or short-term international medical policy for U.S. citizens and living overseas or citizens of other countries living in the U.S. or other countries.

  • For non-U.S. citizens residing in the U.S. or overseas
  • For U.S. citizens visiting or living overseas
  • Covers hospitalization, emergencies, prescription drugs, repatriation and emergency evacuation; medical or political instability.
  • Family coverage
  • Worldwide coverage

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