Property Casualty for Businesses including Commercial Truck Insurance, Commercial Vehicle Insurance for Devine TX, Balcones Heights, Boerne, Pleasanton and Surrounding Texas Areas
A wide range of coverage for all business types, any size.
We can help you protect your company and its most valuable assets.
General
- Commercial Property
- General Liability
- Product Liability
- Rental Property
- Professional Liability
- Errors and Omissions
Specialty
- Solar & Wind
- Environmental Risk
- Cyber Liability
- Biotechnology R & D
- Farm & Ranch
- Commercial Equine
- Land Grading
Miscellaneous
- BOPs
- Umbrella & Excess
Surety Bonds
- Fidelity Bonds
- Notary Bonds
- Court Bonds
- Contract Bonds
- License & Permit Bonds
Customer Support
- Consultation
- Expert Guidance
- Underwriting Assistance
- Claims Advocacy
- Continued Analysis
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Toubin Insurance Agency provides Property Casualty insurance for all types of businesses. We work with Doctors, Dentists, Lawyers, Builders, Contractors, Restaurants, Grocery Stores, Flower Shops, Salons, Winerys, and many other types of entities. From the small business owner, to the larger corporation, our experienced agents can quickly assess your risk and tailor coverage to fit your unique needs.
What Our Clients Say
1/30/17
I have had commercial insurance through Toubin Insurance for more than five years. I have always appreciated the excellent customer service offered by the friendly, knowledgeable staff to ensure I have the best coverage at a price that’s affordable. It is nice that they are just a phone call away. I highly recommend them!
1/25/17
Bruce Baumann Real Estate, Inc. has done business with Toubin Insurance since the 80’s. Mr. Toubin and his staff have been great! They are all very accessible and easy to talk to if a problem or question comes up. The types of insurance we carry with Toubin Insurance ranges from Health Insurance to Errors and Omissions. On a personal level the insurance coverage from Toubin Insurance includes Auto, Home Owners, Personal Umbrella and Rental Insurance. I highly recommend this company.
1/24/17
Toubin Insurance’s knowledgeable and professional staff is key. They have always promoted loyalty and extended a high level of customer satisfaction searching for the best coverage and price for our small business. We are well pleased.
1/24/17
I just wanted to say thank you for all your help over the past year. You guys made my decision to leave State Farm after 44 years much easier and I definitely feel we made the right decision.
General Commercial Insurance
Toubin Insurance Agency offers a wide variety of commercial property casualty insurance to fit any type, and size company. Whether you’re the owner of a small medical practice, a flower or beauty shop or you own a large business or corporation, we have a long history of providing the right protection at the most competitive price for all of our clients.
Please click the toggles below to review details of the types of commercial insurance coverage available through our carriers.
Commercial Property insurance, sometimes called Business Property Insurance, covers the physical assets of your business and protects you from minor and/or major losses due to property damage that occurs as a result of things like a fire, theft, storms and other natural disasters. This type of insurance can be good for many types of businesses, such as service-oriented business, manufacturers, retailers, etc. The policy covers the physical property as well as any equipment, including the contents of the building such as merchandise and furniture and will also cover cost income and incurred expenses relating to business interruption due to covered damages. Other items covered include buildings, structures, equipment, machinery, inventory, commercial autos, computers, media equipment and peripheral devices; costs incurred to research, replace or repair lost or damaged data and software (includes portable or mobile, equipment and media).
One of the most basic types of business insurance is General Liability Insurance or Business liability Many businesses are required to carry this type of insurance as a pre-requisite to doing business with other companies or for renting a space for your business. Coverage includes claims such as physical losses like trip and falls on your premises. This coverage can include fire damage cause by you at your business location, medical costs, compensatory damages, attorney fees, judgments, court fees and more. Premiums vary based on your specific type of business.
Product Liability Insurance is for retailers and/or resellers, manufacturers, wholesalers, suppliers, importers and distributers. It protects your business from financial loss and/or claims due to bodily injury and property damage resulting from any physical product the insured supplies, manufactures, imports, distributes, and even resells to the public. Premiums for these policies are based upon the type of product, volume of sales, and the role of the insured in the process. If your business is involved in any part of the chain of commerce, then it is critical to secure product liability coverage. The policy will protect you from medical costs, compensatory damages, economic damages, attorney fees, costs and other punitive damages.
Rental Property insurance is also known as Dwelling insurance and is designed for someone who owns property, but does not occupy the property or does not occupy the property full-time, therefore would need less comprehensive coverage than say a regular homeowner’s insurance policy. A standard policy covers the main structure against damages from lightning, fire, wind damage, hail or sleet, sinkholes, riot, smoke damage, and explosion. Additional coverages that can be added include burglary or theft, vandalism, earthquakes (in some states), and a few others. The policy pays for material and labor only, to repair or rebuild damage.
Professional Liability Insurance is perfect for service oriented type businesses like attorneys, physicians, accountants, financial consultants, etc. It is an insurance policy that will protect the insured from financial damages in the event they are sued for a perceived or real “negligence” that injures their clients. Premium amounts will depend on the amount of coverage you intend to purchase and vary based on industry, revenue size, length of time in business, geographical location and other factors. The policy will protect you from court and judgment costs, attorney fees and other defense expenses, as well as final settlements.
Professional indemnity insurance or commonly know as errors & omissions is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless.
Specialty Insurance Programs
Toubin Insurance Agency is a specialized, independent insurance agency that provides all types of business insurance for all types of businesses. Each of the following speciality line coverages can be thought of as a separate “vertical” within the commercial insurance space. For example, the business coverages typically offered in the commercial insurance industry, such as Professional Liability or General Liability, are also available in these specialty lines, but have unique requirements because of the nature of the business they cover.
Toubin Insurance Agency works with carriers who specialize in renewable energy coverages. This type of specialty property casualty insurance is designed for companies who work to protect the environment through renewable and clean energy. If you are already established in this type of business or just starting out, you have special needs and challenges in the types of coverages you will need, i.e. general liability, commercial property, workers’ comp and others. Our experienced underwriters will be able to help you tailor an insurance portfolio to fit your needs, providing maximum coverage for the important work that you do.
Over the past five years, the demand for environmental risk insurance coverage has increased significantly by companies of all sizes and types because of coverage gaps created by the common practice of exclusions in typical liability and property insurance policies. When seeking an environmental risk policy, the coverages and premiums can vary greatly among carriers. The experts and Toubin Insurance Agency can help you assess your environmental risk, and secure a policy to fully protect your business at the most competitive rates.
- Contractor’s Environmental
- Contractor’s and Professional
- Premises Environmental
- Restoration Contractors
- Storage Tank Environmental
Most experts agree that at some point all businesses will suffer a potentially large loss from a malicious software attack or some other type of cyber breach. Even though a vast majority of companies conduct their business on line and store their valuable data on computer networks and/or in the cloud (internet storage), the standard business owner policy does not consider electronic data to be tangible assets and therefore do not cover them.
Toubin Insurance Agency can help you secure cyber risk and liability insurance tailored around your company’s specific needs. Cyber risk liability policies generally cover loss caused by computer viruses, computer theft, extortion, intentional or unintentional errors made by your employees, as well as an outright cyber breach and/unauthorized use of your data from someone outside your business.
If you are in the growing field of Biotechnology, you are always on the cusp of new innovation and advancements either in medicine, energy, or agriculture. Toubin Insurance Agency works with carriers who specialize in this industry, such as providing coverage that protects your intellectual property rights, and shields you from any risk due to hazardous materials, which is a common concern in the biotech industry. We can help you fully assess your needs and provide tailored coverages for:
- Research and Development
- Contamination
- Clinical Trials Liability
- Workers Comp
- Medical Liability
- Commercial Property
- General Liability
- And more
Toubin Insurance Agency works with well known carriers who have a variety of coverage to meet the unique needs of farmers and ranchers. No matter the size, or nature (crops, livestock) of the business we are able to tailor property and liability coverage, including auto, equine, machinery, livestock and more to fit your needs.
If you perform equine activities on your own or rented property, you should have a commercial equine liability policy even if you have other general liability coverage. Horse activities are higher risk, so you need to be sure that injuries and accidents on your property won’t put you out of business. Typically, you need this coverage if you provide: boarding, training, breeding, racing, horse sales, horse shows, clinics, team roping or penning, or other riding activities. Even if you just lease out your horse, you receive compensation and therefore should consider purchasing this policy in case of injury or damage to property to or by the person leasing your horse. Care, custody, and control liability coverage can also be included along with other endorsements. Toubin Insurance Agency can tailor a policy just for you.
All new construction, most home or building improvements, renovations and repairs, and many structures, dwellings and lots begin with land grading, which is why, unfortunately, the industry has its fair share of accidents, incurring substantial legal and financial claims.
Toubin Insurance Agency works with several top carriers that design commercial insurance especially for service excavation and land preparation contractors. We can tailor a policy to fit your unique risk vulnerabilities. Lines of coverages include the following with other special coverage available:
- General Liability
- Auto Liability
- Property
- Umbrella
- Workers Comp
Voluntary Benefits
Voluntary benefits are a smart, affordable strategy to help employees round-out their benefits porfolio and gain control of their financial well-being
Voluntary Benefits are sometimes referred to as ancillary or worksite (marketing) benefits. They are additional insurance products, plans or programs which an employee can purchase through their employer, through payroll deductions, at a discounted group rate to supplement their employer-paid benefits. With rising deductibles and out-of-control healthcare costs, Voluntary Benefits are an affordable solution that helps augment an employer’s major medical group insurance, and they are very easy to administer with little or no cost to the employer.
Unlike the one-size-fits all approach, employees can pick and choose from a wide range of protection.
- Dental & Vision
- Life Insurance
- Disability
- Long Term Care
- Critical Care Insurance
- Hospital Indemnity
- Identity Theft
Bonds
Many states require businesses or individuals who offer services to citizens to secure a surety bond. This keeps them from taking advantage of unsuspecting customers. Toubin Insurance Agency offers a variety of different types of Surety Bonds and can provide expert guidance in assessing your risk and securing the right type of bond for your business.
In general a Surety Bond protects against malpractice and fraud. Most surety bonds are considered a three-party contract between the principal (business owner or other professional), the obligee (consumer or government entity) and the issuer (the surety). The bond is a financial guarantee that the principal will always act in accordance with laws, with integrity, honesty and financial responsibility, and act in compliance with the mutual terms of a contract. The bond will cover any damages or losses when the contract is not completed according to terms.
Click the toggles below to review details on several types of Surety Bonds available:
A Fidelity Bond is a type of Surety Bond that protects against malpractice and fraud committed by your employees. Often, businesses in the financial, insurance, mortgage, banking and real estate industries require some sort of Fidelity bond as a pre-requisite to doing business or obtaining credentials. The bond protects you and your customers specifically against employee theft, negligence, dishonesty or any other fraudulent or illegal acts on the part of your employees. It will pay for any damages or losses that your business is found liable for including legal fees, judgments and settlements. Premiums are based on the size of your company, nature of your business (type of clients you serve) and amount of coverage you are seeking.
Many states require Notaries to purchase a surety bond to protect their signers. Basically, a notary bond is a financial guarantee that a person who loses money because of a Notary’s misconduct or fraud will be reimbursed up to the bond’s limit. It’s important to note that a surety bond for a notary does not protect the Notary, it only protects the victim of the fraud and misconduct.
Court proceedings often require certain parties to file Surety Bonds. These types of Surety Bonds are broke down into Judicial Bonds and Fiduciary/Probate Bonds.
Judicial Bonds include:
- An Appeals Bonds is secured to guarantee the court that the original judgment will be paid if the appeal is denied.
- A Bail Bond is used in criminal cases and is secured to guarantee a person will appear in court, thus making it unnecessary to keep the person incarcerated pending the outcome of the case.
- An Attachment Bond is secured in cases where a lien is placed on a defendant’s assets. It will protect from damages incurred when the Plaintiff has been found by the court to have wrongfully placed the lien.
Probate/Fiduciary Bond Types
- Custodian Bonds – required for custodians who take care of minors and the ederlys’ finances and protects against custodians who mismanage their money.
- Executor Bond – this bond ensures that estates are managed according to the wills of the deceased.
- Fudiciary Bond – a Fiduciary is a person who is placed in trust, either by a company or appointed by the court in a legal proceeding and trusted to manage and act in the best interest of another person or entity, such as a guardian, estate, trust or a real estate transaction. A Fiduciary Bond protects the person or entity against fraud and embezzlement committed by the Fiduciary.
A Contract Bond is also known as a Construction Bond and is most used in the construction industry. The bond will protect against dames from untimely completion of the project, or if the project is not completed according to the terms of the contract.
A Licensing and Permit Bond is required by a municipality or other public body as a condition to granting a license or permit to engage in a specified activity, this bond guarantees that the party seeking the license or permit (the obligor) will comply with applicable laws or regulations. These bonds can also be structured to provide indemnity guarantees to third parties who sustain injury or damage as a result of the obligor’s activities as described in the license or permit when such a guarantee is required. For example, businesses that hang signs over public sidewalks may be required to provide indemnity guarantees for injuries to pedestrians.
Customer Support
Consultation and Expert Guidance
The insurance business is complex. At Toubin Insurance Agency, we believe it is very important to be counseled by an industry expert when comes to properly protecting your business and its most valuable assets. With more than 35 years of experience, we can insure your coverage is effective and void of any exposures that leave you vulnerable. We work with the nation’s top Property Casualty carriers and have a wide range of coverages to work with when tailoring coverage to best fit your needs.
Underwriting Assistance
Once you purchase a policy from us, we continue through with excellent customer service. We can assist you with the underwriting process and best practices when it comes to maintaining your policy(s).
Claims Advocacy
If you have a claim, we work with you and your carrier to make the process as smooth as possible, so that you can get back to business.
Continued Analysis
We regularly shop the insurance market for our clients and will let you know if there is an opportunity to get a better rate.
Miscellaneous Coverages
Business Owner Policy
This is a policy designed for small to medium-sized business. The policy covers both property and general liability and has coverage that has been bundled specifically for those types of businesses at a lower cost. Many consider these policies to one of the most comprehensive available.
Umbrella & Excess
Commercial Umbrella and Excess Liability insurance adds another layer of protection and acts as a gap between your existing coverage and any expenses, settlements, judgments or legal fees (claims) that go beyond the limits of those policies. Simply put, this extra coverage helps in the face of catastrophic settlement amounts that could cause severe losses to your income or future income. A simple example would be a settlement calling for $1.5 million but your General Liability only covers you for $1 million. Your Umbrella policy would provide you the additional $500,000 to successfully settle the claim, without touching your assets.
Many businesses, especially small businesses and start-ups, find an Umbrella policy to be more cost effective than raising the limits on their existing policies. Premiums are based on several risk factors as well as the underlying policies.
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Nothing is more important to Toubin Insurance Agency than protecting you, your family, and your business. We’re dedicated to offering the best insurance at competitive rates.
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Customized Quote Form

Nothing is more important to Toubin Insurance Agency than protecting you, your family, and your business. We’re dedicated to offering the best insurance at competitive rates.
To get started, simply select the coverage you are intersted in to the right.

The universal form will be here. It will begin with asking what coverage they are interested in. Once that question is answered, they will be presented with the appropriate fields.