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Our Team
427 West 20th Street, Ste 500
Houston, Texas 77008
Phone: 713-869-8346
Your Business
General Liability
By Administrator on Sun, October 24, 2010Your GL policy covers an array of damages to third parties and the costs associated with defending those claims. Everyone has a “GL” policy. The real question is what does it cover? Every business faces a unique set of risks. You need to be sure your GL policy suits your needs.
Workers Compensation and Employer’s Liability
By Administrator on Sun, October 24, 2010This can be one of your single largest insurance expenses. Make sure you are doing what it takes to keep your premiums low and your business competitive.
Surety & Bonds
By Administrator on Sun, October 24, 2010We have developed a specialty in contract surety bonds over the last twenty years through our construction know-how and relationships with bond underwriters from all corners of the surety market. Whether your company is a large or small contractor, we have the expertise to secure bonding with the right markets for you. Adams Insurance specializes in all construction bonds and surety alternatives.
Group Benefits
By Administrator on Sun, October 24, 2010PPO, ASO, HSA, HRA, COBRA, HIPAA, AD&D, LTD, 401K... fortunately, we speak fluent Group. Benefits are an employer’s largest cost expenditure next to payroll. We work with carriers and TPAs to design truly custom plans for employers that demand the maximum amount of flexibility. Whether Obamacare survives or not, things will never be the same for health insurance. We can help you navigate the tangled web of regulations and rules. Adams specializes in the following benefit areas:
Health Insurance – Fully insured and self-insured
Limited Benefit Plans
HSAs
HRAs
Dental
Disability
Life Insurance
Long Term Care
401(k)
Benefits Administration
Auto
By Administrator on Sun, October 24, 2010Your fleet exposure is one of the biggest risks to your business. You have to manage it with more than just an insurance policy. Proper training and appropriate policies can prevent minor accidents and catastrophic injuries. We can help you manage this critical exposure.
Property
By Administrator on Sun, October 24, 2010The Texas Gulf Coast presents a unique set of challenges for business owners with substantial property assets. Windstorm and flood deductibles can be enormous. Business interruption coverage is also key. Do you have coverage for an off-premises power outage? We can help you identify what coverages you need.
Builder's Risk
By Administrator on Sun, October 24, 2010No two builder’s risk policies are alike. Deductibles, warranties, sublimits, and exclusions vary widely. Building a coastal project? It would be a good idea to call us first.
Pollution
By Administrator on Sun, October 24, 2010Pollution is an increasing concern for contractors especially as the minimal coverage provided under your GL policy is stripped away. We have markets ready to cover this exposure.
Flood
By Administrator on Sun, October 24, 2010What will your flood policy cover? Believe it or not, that is not always obvious. We can help you determine how your flood policy fits in with your property or builder’s risk policy. We can also help you determine whether you need a flood policy.
Professional
By Administrator on Sun, October 24, 2010Do you have an errors & omissions exposure? Don’t be surprised by the answer to that question. Your GL policy will not help you if you are mistaken.
Directors & Officers
By Administrator on Sun, October 24, 2010If you have shareholders, you have a D&O exposure! Call us to find out what coverage you need.
CIPs
By Administrator on Sun, October 24, 2010We provide insurance for Controlled Insurance Programs whether they are owner or contractor controlled. We can help you administer the policy as well.
Life Insurance and Financial Services
By Administrator on Sun, October 24, 2010Life Insurance can be the difference between a business that successfully navigates a transition in ownership or key persons and one that is ripped apart at the seams. Family-owned businesses, partnerships, and corporations all have need for life insurance and annuities. We can help determine the best product to meet your needs. We offer the following life insurance and financial services:
Business Continuation Planning
Key Employee
Buy-Sell Arrangements
Deferred Compensation
Asset Protection
Claims Management
By Administrator on Sun, October 24, 2010Your broker should offer you more than just a renewal premium. Our claim response team is available 24 hours a day, 7 days a week. We work the claim from the minute it is reported to final claim payment, minding the reserves and negotiations in between! Adams has developed specialties in the following areas:
24 Hour Crisis Claims Assistance
Claim monitoring with carrier
Regular claim reviews with perspective analysis
Litigation oversight
Medical management advice and counsel
Assistance in training of “in house” claims personnel
Quality and timely loss runs
Loss Control Services
By Administrator on Sun, October 24, 2010An insurance policy should be only one aspect of your risk management program. Loss control, whether it takes the form of a safe work program, driver awareness training, or a review of contractual wording can add dollars to your bottom line in the form of savings on claims and premiums! Your broker should facilitate, coordinate, and provide these services. Every customer is different. We tailor services to the customer depending on its needs. The following are among the loss control services offered by Adams:
Obtaining specialty loss control services where needed
Advice, counsel and assistance with OSHA and EEO issues
Detailed loss analysis to assist reduction in loss frequency
Drafting and development of tailored safety programs
Periodic Account Review with carrier
Provide assistance and oversight in the safety and training areas
Provide resource of data on claims, legal, OSHA, safety, and training areas
Resource to review contract wording related to insurance, indemnification, and hold-harmless areas
Employment Practices Training