Contact Us

Phone: (713) 681-2500

Fax: (713) 684-1600

Email: Send Email

facebook  twitter

Community Outreach
Important Note:

June through November our agency may become prohibited from binding coverage should a “Tropical Disturbance” enter the Gulf of Mexico or Caribbean Sea.

In these cases we may be unable to bind new coverage quoted in open proposals until the storm leaves our area and our binding authority has been restored.

Please arrange your coverage protection early to avoid this type of delay. While we regret any inconvenience, the carriers impose these restrictions on all agencies.

Commercial Insurance

Saving You Time and Money

As an Independent Agency, we want to be your insurance researcher and procurer in the marketplace.  We at HARCO understand that your time is extremely valuable.  There is no need to spend your valuable production time worrying about the often complicated details of researching and selecting insurance products for your specific needs.  You can outsource this function to us with confidence!

When it Comes to Insurance, We Make it Our Business to Know Your Business

Our TEAM of professionals will evaluate your business operation and present you with a selection of the insurance carriers and products which best fit the needs and financial considerations of your company.

HARCO offers the following major Commercial Lines products for protection:

  • Automobile
  • Bonds  –  Contract / Surety / Notary
  • Business Owners Package
  • Directors & Officers Liability
  • Employee Benefits / ERISA Liability
  • Employment Practices Liability  / Discrimination
  • Commercial Property
  • Buildings / Business Personal Property (Contents)
  • Business Income Protection  / Extra Expense
  • Builders Risk / Installation Floater
  • Improvements & Betterments
  • Rents, Sprinkler Leakage
  • Computer / Electronic Equipment
  • Contractors Equipment
  • Crime / Fidelity   –  Employee Dishonesty
  • Equipment Breakdown/Boiler-Production Machinery
  • Errors & Omissions Liability
  • Flood Insurance
  • Foreign Liability Package
  • Freight Forwarders Legal Liability
  • Garage Operations / Garagekeepers Liability
  • General Liability  (Premises / Operations / Products)
  • Pollution / Environmental Liability
  • Professional Liability
  • Signs / Glass
  • Transportation / Cargo
  • Umbrella / Excess Liability
  • Underground Tank Storage Liability
  • Watercraft / Marine (all forms)
  • Workers Compensation / Employers Liability
  • Occupational Accident Program
  • Professional Employee Organization (PEO) Program
Special Programs
  • Public Entities (Municipal Utility Districts Program)
Consulting Services
Property /  Equipment / Equipment Breakdown
Liability / Pollution / Directors & Officers
Workers Compensation
Excess / Umbrella Liability
Crime / Public Officials
Travel Accident – Directors
  • Educational Institutions (Colleges, Schools Public/Private)
Consulting Services
Property /  Equipment Breakdown
General Liability / Pollution / Law Enforcement
Educators Professional Liability
Workers Compensation
Excess / Umbrella Liability
Crime/Public Officials
Public Vehicles (Buses/Maintenance)
Travel Accident – Programs
  • Forwarders / Logistics   (Shippers, Carriers, Consignees)
Consulting Services
Property  / Equipment
General / Warehouse Liability / Errors &
Workers Compensation
Commercial Automobile
Excess / Umbrella Liability
Custom Bonds / NVOCC Bonds / FMC Bonds
Cargo / Transportation   Air-Land-Sea
Online Cargo Certificate Program – Internet
System for reporting/issuing  efficiencies
Online Cargo Claims Reporting and
Management – Internet System
  • Architects and Engineers Coverage
  • Habitational Coverage (Apartments and Condominiums)
  • Manufacturing and Wholesalers Coverage
  • Restaurants, Delicatessens, Franchises, Fine-Dining
  • Many other programs available for specific industries and operations


Emergency Claim Phone Numbers exist for many of the major insurance Companies.   Here is a list for your use.  It is okay to report claims directly to us, but after hours, on weekends or especially in times of DISASTER EMERGENCIES feel free to report claims directly to the insurance company.

American States / Safeco Business 800-332-3226
America First 877-263-7890
Hanover Insurance 800-628-0250
Hartford Steamboiler 888-472-5677
Travelers 800-787-2851
Texas Mutual Insurance Company 800-859-5995
Zurich North America 800-987-3373