Protect Your Business and Personal Assets with Navigant Insurance's Comprehensive Coverage Solutions

Welcome to Navigant Insurance, your trusted partner in safeguarding your business and personal assets. We understand that both aspects of your life require comprehensive protection, and we are here to provide you with tailored coverage solutions that address your unique needs.

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About Us

Navigant Insurance Solutions, LLC

Your Trusted Partner in Comprehensive Coverage Solutions

As a leading insurance provider, we specialize in protecting businesses and individuals with personalized service and attention to detail. With a deep understanding of the unique challenges you face, we offer tailored commercial insurance lines for industries such as marine, environmental, oil and gas, and more. Additionally, our wide range of personal lines coverage options ensures that your home, auto, life, and other assets are safeguarded. With Navigant Insurance, you can rely on our expertise, exceptional customer care, and commitment to building lasting relationships. Discover peace of mind and secure your future with Navigant Insurance today.

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At Navigant Insurance, we believe in the power of partnerships. That's why we have established strong alliances with leading industry organizations and trusted insurance providers. Through these partnerships, we are able to enhance our services and offer our clients access to a wide range of specialized expertise and comprehensive insurance solutions. Our collaborative approach allows us to stay at the forefront of industry trends, provide innovative coverage options, and deliver exceptional value to our clients. We take pride in our network of partnerships, as they enable us to better serve the unique needs of our clients and ensure their peace of mind when it comes to their insurance protection.

Commercial Coverage


General Liability Insurance

Essential coverage for businesses, protecting against third-party claims for injury, property damage, and personal injury.


Commercial Property Insurance

Safeguards physical assets like buildings, equipment, and inventory from perils such as fire, theft, and natural disasters.


Workers' Compensation Insurance

Provides benefits for work-related injuries or illnesses, offering medical expenses, wage replacement, and rehabilitation support.

Personal Coverage


Homeowners Insurance

Protects homes and personal belongings from damage or loss due to natural disasters, theft, and liability for accidents on the property.


Auto Insurance

Mandatory coverage ensuring financial protection for vehicle damage, accidents, and liability for injuries or property damage caused by the insured.


Life Insurance

Provides a financial safety net by offering a payout to beneficiaries, covering expenses, debts, and maintaining financial stability after the insured's death.

Raving Reviews

We listen to our customers.

"Meredith is the best. She has helped us with our insurance needs for a year now. She is great with her communication and stays on top of everything. At renewal time, she makes sure you are getting the best rate possible. Highly recommend!"

Tyler Morris

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Insurance Resources & Insights

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Understanding Liability Coverage for Texas Businesses

August 03, 20233 min read


Liability coverage is a vital component of insurance for Texas businesses, providing protection against legal claims and potential financial losses. As a business owner in the Lone Star State, it's crucial to understand the different types of liability coverage available and how they safeguard your business interests. In this blog, we will delve into the essentials of liability coverage and its significance for Texas businesses.

Types of Liability Coverage:

1. General Liability Insurance: General liability insurance protects your business from third-party claims related to bodily injury, property damage, and personal injury. It covers legal defense costs, settlements, and judgments, providing financial security and peace of mind.

2. Product Liability Insurance: If your business manufactures, distributes, or sells products, product liability insurance is crucial. It offers protection against claims arising from product defects, design flaws, or failure to provide adequate warnings or instructions.

3. Professional Liability Insurance: Professional liability insurance, also known as errors and omissions (E&O) insurance, is essential for service-based businesses. It covers claims of professional negligence, errors, or omissions that may arise from providing professional services or advice.

4. Cyber Liability Insurance: In an increasingly digital world, cyber liability insurance is vital for businesses that handle sensitive customer data or conduct online transactions. It protects against data breaches, cyberattacks, and associated liabilities.

5. Directors and Officers (D&O) Insurance: D&O insurance provides coverage for directors and officers of a company in the event of legal actions related to their management decisions or actions. It safeguards their personal assets and helps attract top-tier talent to your organization.

6. Employment Practices Liability Insurance (EPLI): EPLI covers claims related to employment practices, such as wrongful termination, discrimination, harassment, or wage disputes. It helps protect your business from potential legal costs and reputational damage.

The Importance of Liability Coverage:

Liability coverage is essential for Texas businesses for several reasons:

1. Legal Protection: In today's litigious environment, lawsuits can arise from various sources. Having liability coverage ensures that your business is protected against potential legal claims, including legal defense costs, settlements, or judgments.

2. Financial Security: Without adequate liability coverage, a single lawsuit or liability claim could have a significant financial impact on your business. Liability insurance provides the necessary financial security to handle such situations and prevent severe financial setbacks.

3. Business Reputation: A liability claim or lawsuit can damage your business's reputation and erode customer trust. By having liability coverage, you demonstrate a commitment to protecting your stakeholders' interests and maintaining a strong reputation in the marketplace.

4. Compliance Requirements: Some industries or clients may require proof of liability coverage before entering into contracts or partnerships. Having the right liability insurance can help you meet these compliance requirements and open doors to new business opportunities.

Partnering with a Trusted Insurance Agency:

Navigating the complexities of liability coverage can be overwhelming. It's crucial to partner with a trusted insurance agency that understands the unique needs of Texas businesses. At Navigant Insurance, we specialize in providing tailored liability coverage solutions to protect your business, reputation, and financial well-being.


Liability coverage is a critical component of insurance for Texas businesses. It provides protection against legal claims, safeguards your financial stability, and preserves your business's reputation. By partnering with a reputable insurance agency like Navigant Insurance, you can ensure that your business has the right liability coverage tailored to your specific needs.

Disclaimer: This blog is intended for informational purposes only and should not be considered legal or financial advice. It is recommended to consult with a qualified insurance professional to discuss your specific liability coverage requirements.

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Ricky Wong - Experienced Insurance Agent Committed to Your Protection

Ricky Wong is a seasoned insurance agent with a passion for providing comprehensive coverage solutions to individuals and businesses. With over a decade of experience in the insurance industry, Ricky brings a wealth of knowledge and expertise to the table. He is dedicated to understanding the unique needs of his clients and tailoring insurance solutions that provide maximum protection and peace of mind. Throughout his career, Ricky has established a strong reputation for his exceptional customer service and attention to detail. He takes the time to listen to his clients, assess their risks, and recommend insurance options that align with their specific requirements and budget. Whether you're a small business owner in need of commercial insurance or an individual seeking personal lines coverage, Ricky's commitment to delivering outstanding service remains unwavering. Ricky's expertise spans across various insurance specialties, including commercial liability, business auto, property, cyber insurance, as well as personal lines such as home, auto, life, and more. He stays up-to-date with the latest industry trends and regulations to ensure his clients receive accurate and reliable advice.

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Speak with one of our knowledgeable agents today and discover the perfect insurance solutions for your specific needs.


Call Us for Any Questions

(281) 398-0001

A Note From Ricky Wong

Welcome to Navigant Insurance! I'm delighted to have you here. As the owner, I personally want to extend my warmest greetings and thank you for considering us for your insurance needs.

At Navigant Insurance, we understand that finding the right coverage can be a daunting task. That's why our dedicated team is here to assist you every step of the way. We pride ourselves on delivering exceptional customer service and tailored insurance solutions that provide peace of mind.

Whether you're a business owner in need of comprehensive commercial insurance or an individual looking to protect your home, auto, or other assets, we have the expertise to guide you. Our commitment to understanding your unique requirements allows us to recommend the most suitable policies, ensuring that you have the coverage you need when it matters most.

We believe in building lasting relationships with our clients, based on trust, reliability, and integrity. Our goal is to be your trusted partner in managing risks, reducing costs, and protecting what matters most to you. You can count on us to listen attentively, provide personalized recommendations, and navigate the complexities of the insurance landscape with you.

I invite you to explore our website, learn more about our comprehensive coverage options, and get in touch with our knowledgeable agents who are ready to assist you. We are here to answer your questions, address your concerns, and help you make informed decisions that align with your specific needs.

Thank you for considering Navigant Insurance. We look forward to serving you and being your reliable insurance provider. Together, we can safeguard your future and provide you with the peace of mind you deserve.

16420 Park Ten Place, Suite 410

Houston, Texas 77084


(281) 398-0001