Since 2010 · Houston, Texas
Experiencematters.
Southgate provides business insurance, contractors insurance, professional liability, and real estate investor insurance to Houston and all of Texas. Independently owned, and proudly built for the risks most agencies would rather avoid.
15+ years
Insuring Texas business
All of Texas
Houston-based, statewide
Complex risks
Handled in-house
Coverage
Built around how Texas businesses actually operate.
Five specialties, one team. Each program is written by an agency that has spent more than a decade learning where coverage quietly fails — then closing those gaps before a claim finds them.
Business Insurance
General liability, property, auto and workers' comp built around how your company actually operates.
View coverageContractors Insurance
Specialized programs for Texas contractors — from artisan trades to large general contractors.
View coverageProfessional Liability
Errors & omissions and cyber coverage for firms whose product is their expertise.
View coverageReal Estate Investor Insurance
Portfolio coverage for investors, landlords and property owners across Texas.
View coverageRestaurants & Bars Insurance
Coverage written for hospitality — liquor liability, property, and the risks unique to service.
View coverage2010
The year we started insuring Texas
Experience matters
Fifteen years of doing this properly.
Southgate Insurance Group opened in Houston in 2010 with a simple conviction: commercial insurance is a craft, and the details decide whether a business survives a bad year. That conviction still runs the agency.
Placed by people who have seen the claims
Fifteen years of Texas commercial claims teaches you which endorsements actually respond. We write programs from that knowledge, not from a rate sheet.
Independently owned, statewide reach
We are not tied to a single carrier. We shop the market for your class of business and represent you — not an insurer's quarterly target.
One agency for the whole operation
Property, liability, auto, workers' comp, and management risk coordinated under one roof, so nothing falls between policies.
Complex risk
We handle complex risks that others can't.
Vacant buildings, high-hazard trades, wrap-up projects, prior losses, unusual operations. When a standard market says no, the work is not finished — it has just started.
The standard approach
- A quote generated from a class code
- Minimum limits, maximum exclusions
- Renewals handled by a call center
- One carrier, take it or leave it
- Coverage gaps discovered at claim time
The Southgate approach
- An underwritten program built from your operations
- Endorsements written to your actual contracts
- A named agent who knows your file
- Multiple carriers, shopped every renewal
- Gaps identified before anything is bound
Bring us the file another agency declined.
How it works
Three steps. No pressure, no jargon.
01
Tell us how you operate
A short conversation — or the guided assistant — covering your trades, contracts, properties, and payroll. Ten minutes, no obligation.
02
We shop the market
We approach the carriers that actually write your class of business and negotiate terms against your real exposures, not a template.
03
You get a program, not a policy
Side-by-side options, plain-English explanations, and a renewal calendar so nothing sneaks up on you at audit or close.
Let's look at your risk properly.
Speak with a Houston agent who writes commercial coverage every day. We'll tell you what you actually need — and what you can skip.