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 programThree paths. Turn the card over.
Path 1Employee benefits servicesHover to flip- Medical insurance
- Life & AD&D
- Short and long-term disability
- Dental & vision
- Voluntary products
- Enrollment, billing & administration
Path 2Commercial servicesHover to flip- General liability
- Workers' compensation
- Umbrella / excess
- Commercial property
- Commercial bonding
- BOP, cyber, commercial auto and more
Path 3Consulting & administrationHover to flip- HR consulting
- Enrollment processing
- Billing reconciliation
- Policy audits
- Program administration
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

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.
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.
Consulting & 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.
We find the right coverage. Then we stay to look after it with you.

Program administration›
Eligibility changes, carrier follow-ups, your employees' questions and open enrollment, handled by us, by a consultant who knows your account by name.

Enrollment processing›
New hires, terminations and life events are entered by us. Your employees reach us directly, and the census stays current, with peace of mind for your HR team.

Billing reconciliation›
We check every carrier invoice against your census before you pay it, so you pay exactly what is owed and recover any credits due to you.

Policy audits & HR consulting›
We review your policies to make sure they cover what your business needs today, and support your team with compliance questions. Benefits, commercial and HR in one conversation.
Houston builders, clinics, chambers and family shops. Some have been with us for more than twenty years.
Every logo is a company that renews with us year after year. Hover to pause the carousel.
Join them: schedule a conversation
18 years a clientEighteen years with one broker, from group benefits to life insurance.
Mitchell Family Corp.20 years a clientTwenty years of corporate coverage, handled like family.
Employee benefitsA benefits program employees actually trust.
Community partnerAn insurance firm that shows up for the community it insures.
Chamber partnerA partner to the Chamber, and to every one of its members.
Employee benefitsBenefits plans fitted to a family-run shop's budget, since 1949.
18 years a clientEighteen years with one broker, from group benefits to life insurance.
Mitchell Family Corp.20 years a clientTwenty years of corporate coverage, handled like family.
Employee benefitsA benefits program employees actually trust.
Community partnerAn insurance firm that shows up for the community it insures.
Chamber partnerA partner to the Chamber, and to every one of its members.
Employee benefitsBenefits plans fitted to a family-run shop's budget, since 1949.
Some of our clients have been with us for more than twenty years. We'd like to get to know your business.
Schedule a conversationGet to know what people think about us.
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.




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.
Commercial coverage placed with our market partner, Twain Insurance.
A second opinion on your program. No cost, no obligation.
Request the second opinionTell 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.

Employee benefits
Commercial insurance
Consulting & administration
How we work
Demetrius Navarro
Nathan Navarro
Evan Navarro
Sussana Navarro