Navarro Insurance Group
Request a review
The Navarro Insurance Group team in Houston
Houston, Texas · Since 1999

Coverage for your business. Care for the people in it.

Employee benefits and commercial insurance for Houston businesses. We design the program, administer it with you, and a real person answers when you call. Since 1999.

Let's talk about your program
Our core insurance services

Benefits, commercial coverage, and the administration that keeps them running.

Every business and every client is different. These are the coverages and services we work with. Tap any one to see what it includes.

Employee benefits

Employee benefits
Medical insurance

Group medical plans, fully insured or level-funded, designed around your budget and your headcount.

Life & accidental death and dismemberment

Employer-paid or voluntary group life and AD&D, with buy-up options for employees.

Short and long-term disability income replacement

Income replacement when an employee can't work due to illness or injury, coordinated with your leave policy.

Dental & vision insurance

Dental and vision plans, contributory or voluntary, administered alongside the medical plan.

Voluntary products

Critical illness, accident and hospital indemnity, paid by the employee through payroll.

Review my benefits program

Commercial insurance

Commercial insurance
General liability

Protects your business from claims of bodily injury, property damage and legal fees arising from accidents or negligence.

Workers' compensation

Medical and wage benefits for employees injured on the job, in compliance with state law.

Umbrella / excess

Extended liability coverage beyond your primary policies, for large claims.

Commercial property

Buildings, equipment and inventory against fire, theft or natural disasters.

Commercial bonding

Meets state licensing and permit requirements and strengthens your credibility when bidding on projects.

Business interruption

Reimburses lost income and operating expenses if a covered event shuts your business down temporarily.

Professional liability (E&O)

Protects against claims of negligence, mistakes or failure to deliver promised services.

Commercial auto

Company-owned vehicles: accidents, liability and vehicle damage.

Business owner's policy (BOP)

Property, general liability and business income in one policy for small and mid-size businesses.

Cyber liability

Financial losses from cyberattacks and data breaches, for businesses handling sensitive information.

Quote my commercial coverage

Consulting & administration

Consulting and administration
HR consulting

Support for your HR team with compliance questions, policies and benefits communication.

Enrollment & billing processing

New hires, terminations and life events entered by us; every carrier invoice reconciled against your census.

Policy audits

We review your current policies to confirm they cover what your business needs today.

Benefits program administration

Employee questions, carrier follow-ups and open-enrollment logistics, from start to finish.

See how we work

Some of our clients have been with us for more than twenty years. We'd like to get to know your business.

Schedule a conversation
In their own words

Get to know what people think about us.

The Firm

A team of thirteen people who answer by name.

Demetrius Navarro founded the firm in Houston in 1999 and still leads it, with more than forty years of experience. Nathan, Evan and Sussana Navarro work alongside him. It's a family business, and the person who designs your program is the same one beside you at every renewal.

Demetrius, Nathan, Evan and Sussana Navarro
The Navarro family
The Navarro team in a client meeting
A renewal meeting at the office
A Navarro consultant on the phone with a client
A real person answers
A Navarro account manager at her desk
Your account, by name
The team

Meet your consultant

Certifications

Seven certifications. Each one opens a different door.

If your company bids with the City, the State, METRO, the Port or a corporation with supplier-diversity goals, placing your insurance through Navarro counts. Here is what each mark certifies and who it works for.

Twain Insurance

Commercial coverage placed with our market partner, Twain Insurance.

Navarro Insurance Group award ribbon

Ask about our certifications

A second opinion on your program. No cost, no obligation.

Request the second opinion
Let's talk

Tell us about your business and a consultant will call you.

We reply during business hours, Monday to Friday, 8 to 5 Central. No sales calls. Just a conversation about what your business needs. Quick question? Talk to Nava.

Please add your name.
Please add your company.
We need one way to reach you.
Choose a range.
Open in Google Maps ↗