Services

At The Smyers Agency, we help small businesses, growing companies, and mid-sized enterprises across Texas find the right business insurance coverage to stay protected, stay compliant, and stay focused on what matters. As a leading independent insurance agency, we specialize in helping business owners, teams, and employees get expert guidance, tailored risk protection, and coverage that grows with your company. From main street shops to growing enterprises, we help Texas businesses stay protected, stay compliant, and stay focused on what matters.

Workers Compensation

Take care of your team and stay compliant. We’ll help you meet Texas workers’ comp requirements while protecting your business from costly claims and lawsuits.
✅ Helps meet TX compliance requirements
✅ Pays for medical bills and lost wages
✅ Shields your business from employee-related lawsuits
✅ For any business with W-2 employees

General Liability Insurance

Coverage that protects your foundation. General Liability Insurance is the backbone of business protection, ensuring that you are protected from costly claims related to property damage, bodily injury, and legal disputes.

✅ Covers third-party bodily injury & property damage
✅ Lawsuit defenseIncludes legal defense and settlements

✅ Helps meet client contract requirements
✅ Required coverage for many commercial leases

Commercial Auto Insurance

When your business hits the road, we’ve got you covered. From delivery vans to sales vehicles, Commercial Auto Insurance protects your drivers, your property, and your business.

✅ Covers accidents, liability, and property damage
✅ Helps with lawsuits and medical costs

✅ Offers hired and non-owned auto options
✅ Required for vehicle financing & leasing

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Umbrella Liability Insurance

Extra protection when it really counts.
Umbrella Insurance adds an additional layer of liability protection, giving your business coverage above and beyond the limits of your existing policies. It’s peace of mind for when the unexpected becomes expensive.

✅ Protects against major lawsuits & settlements
✅ Helps with legal defense costs

✅ Required by some client contracts & vendors
✅ Covers General Liability, Auto Liability, Employers Liability, and more

Pool & Spa Program

Specialized coverage for pool companies.
Operating in the pool and spa industry comes with unique hazards: from slip-and-fall incidents to equipment failure. Our industry-specific insurance programs are tailored to help you protect your team, clients, and reputation, while staying compliant and on budget. 

✅ Covers customer injuries at pool and spa sites
✅ Protects against equipment and chemical liabilities

✅ Includes property damage and contractor vehicle coverage
✅ Helps you meet local regulatory and permit requirements

Two children joyfully jump into a pool on a sunny day, embodying excitement and summer vibes.
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Cyber & Data Breach

Digital threats are real, is your data safe?
A single data breach or cyberattack can cause financial loss, legal liability, and reputational damage. Cyber & Data Breach Insurance shields your business from those risks, providing protection, response, and recovery when your digital defenses are compromised.

✅Covers data breach response & notification costs
✅Includes legal defense, setllements, and fines

✅ Supports for cyber extortion & ransomware  incidents
✅ Helps ensure HIPPA or PCI compliance if you process customer data

Get started with a free policy review

Confused? Worried you aren't compliant? Think you may be paying too much, or lack sufficient coverage? We're here to help.
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