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Personal Insurance.
Learn About Champions Insurance
Established in 2002, Champions Insurance is an insurance brokerage and risk management company that provides a range of coverage choices. From its humble beginnings in a modest traditional office, the firm has now expanded into a state-of-the-art workspace with a rapidly expanding team. Our growth of 50% year after year is a result of deliberate efforts, rather than mere chance.
Our approach to risk management and educational services allows us to drive what defines us. Motivation to win our customers is what drives us. We have been able to grow and achieve a high level of service and specialization by taking risks and embracing educational opportunities. This has served us well and has become an extension of our clients’ businesses. Our goal is to be a risk management partner for our clients. Through our close working relationships and specialized expertise, we have found success.
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Catering to both businesses in Texas and residents of Texas.
We are proud to bring insurance protection to Texans and local businesses throughout our great state. Insurance Champions is located on the outskirts of Houston in Friendswood, TX.
I genuinely want to assist people who are truly amazing, and the rates are the best. When it comes to customer service, you will experience the best. I use Champions for all my insurance needs, both for business and personal purposes.
Robert W.
“I cannot emphasize enough how amazing Champions is! They truly revolutionize the convenience of shopping for insurance.”
Jeff B.
“Incredible customer service. Champions Insurance dedicates the necessary time to discover the optimal insurance scheme for your financial plan.”
Rosanna I.
We are Advocates for Our Clients.
Take a look at our evaluations and discover why you should make the switch to Champions Insurance.
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Insurance Coverage Created by Experts.
Coverage for General Liability in Business.
Risk Factor……..
When you employ other contractors to carry out work on your behalf, they can be held accountable for any harm they cause. Additionally, as a contractor, your business may be exposed to various risks, including claims related to bodily injury, property damage, personal injury, and more.
Solution……..
General commercial liability insurance is an essential requirement for every contractor. This type of coverage provides broad protection for property, operations, and premises, making you responsible and liable for any claims or lawsuits brought by third parties relating to your products or actions. Additionally, it will cover the costs of defending any covered legal actions or lawsuits, regardless of their merits.
Coverage for Business Properties.
Risk Factor……..
When a fire, theft, or any other form of disaster occurs on your commercial property, your business can experience a substantial setback, and all the belongings within it may endure damage.
Solution……..
Commercial property insurance can help protect your business’s physical assets, including fixtures, furniture, inventory, and equipment, whether you lease workspace or own your own building.
Coverage for Equipment used by Contractors.
Risk Factor……..
Potential harm or robbery to your contractor enterprise could leave your tools vulnerable as they are transported between different job sites, consistently in motion. The progress of your job site could be abruptly halted if your unique tools and equipment are unavailable.
Solution……..
As a contractor, you need insurance policy specially designed to protect your equipment and tools. The policy will cover a variety of losses, including collision, theft, vandalism, explosion, and fire, involving overturning and other objects or equipment. Unlike standard commercial property insurance policies, equipment contractors’ insurance often covers losses caused by earthquakes and floods.
Construction Risk and Installation Insurance.
Risk Factor……..
As a contractor, you may be responsible for unique losses related to exposures under construction in buildings, as it is not covered under a standard building insurance policy or a home insurance policy. Examples of such losses include high-value equipment like compressors and generators, as well as theft of building materials.
Solution……..
Builders insurance provides coverage for the installation of construction materials in transit to the designated site for contractors’ equipment, until the property is completed and its value is established. This policy also covers the contractors’ interest in the construction materials installed at the job site before they are fully completed. Additionally, the insurance installation and risk coverage provide protection for buildings or homes undergoing construction.
Workers’ Compensation.
Risk Factor……..
If one of your employees becomes ill or receives a work-related injury, it is necessary to have the appropriate coverage in place to meet the required occurrence.
Solution……..
Workers’ compensation is necessary by law and is essential to protect your employees in case of job-related injury or illness that occurs during employment. Make sure you understand your obligations for employment and all physical locations where your business operates, as these requirements may differ by area.
Commercial Vehicle Insurance.
Risk Factor……..
As a contractor in the business course, you potentially put your financial jeopardy in a single accident. You have many associated exposures with your business, such as leased or owned vehicles of other types, including vans, trucks, cars, or a fleet.
Solution……..
Additionally, collision and comprehensive coverage could encompass other potential risks and damages, including property damage and bodily injury. This insurance policy provides coverage for both leased and owned vehicles used by the contractor for business purposes.
Indemnification / Additional Insureds.
Risk Factor……..
If you are working as a contractor on a construction project that involves other contractors and vendors, you may be responsible for expensive legal fees and settlement expenses, as well as any harm or injuries caused by those other contractors or vendors. It is important to ensure that your shared client is safeguarded against the potential risks posed by other companies, vendors, or subcontractors that could potentially cause damage to your business or harm to individuals or property.
Solution……..
If you are mentioned in a legal case, this might offer you protection under their policy for any harm or destruction they cause. The agreement should mandate that the organization includes you as an extra insured party on their policy. Moreover, a clause of indemnification ensures that the organization will absolve you of any responsibility for any injuries or damage resulting from their negligence. It is advisable to establish a contract with each organization that encompasses a hold harmless agreement in your benefit.
Excess Insurance / Commercial Umbrella.
Risk Factor……..
If your business is found responsible for substantial injury or damage on the job site, your standard policy may exceed the liability loss. Lawsuits and losses are quite common in the construction industry, and settlements can be significant.
Solution……..
When purchasing a commercial umbrella insurance policy, you should consider the broader coverage it offers, including various insurance liability policies for officers and directors, the auto business, and general insurance liabilities. Typically, this policy provides higher limits of $10,000,000 and $2,000,000, which often extend coverage for different scenarios.
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Are you already a customer of Champions Insurance? Stop by our Service Center to submit requests and oversee your insurance.
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The Benefit of an Independent Agency.
What sets our autonomous insurance agency apart?
We provide a diverse range of insurance options.
We are available to assist you during your time of necessity.
We are with you throughout the entire journey.
We are authorized insurance consultants.
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