SECURE YOUR BUSINESS' FUTURE WITH SILVA AND SONS
Business Insurance
Running a business in Texas means taking on real risk every single day — risk to your property, your employees, your customers, and your bottom line. A single lawsuit, a fire, a workplace injury, or a major equipment loss can threaten everything you have built. The right commercial insurance program does not just protect your assets; it gives you the confidence to operate, grow, and compete without fear of a single event wiping out years of hard work. At Silva and Sons Insurance Services, we have been designing and placing business insurance programs for Texas companies for more than 17 years, and we understand that no two businesses face exactly the same risks.
As an independent insurance agency based in Liberty Hill, TX, we are not locked into any single carrier. We work with a broad network of highly rated commercial insurance carriers to shop the market on your behalf — comparing coverage options, policy terms, and pricing to find the program that fits your specific industry, operations, and budget. Whether you are a contractor, a restaurant owner, a car dealership, a physician, a manufacturer, or a small business owner in Williamson County or the greater Austin area, we build your commercial insurance package around your actual exposures — not a generic off-the-shelf policy.
Our commercial lines team handles the full spectrum of business insurance coverage, including General Liability, Commercial Property, Workers Compensation, Commercial Auto, Excess and Umbrella Liability, Inland Marine, Builders Risk, and industry-specific programs for construction, automotive, food service, healthcare, and more. We also provide Risk Management consulting to help you identify vulnerabilities before they become claims, and we stay engaged year-round to make sure your coverage keeps pace as your business evolves.
When a claim happens — and at some point, it will — you need an advocate in your corner who knows your policy, knows your business, and knows how to get results. Silva and Sons is that advocate. We serve businesses across Liberty Hill, Georgetown, Cedar Park, Leander, Round Rock, Austin, and throughout Central Texas. Contact us today to schedule a commercial insurance review and find out how we can protect what you have built.
Construction Insurance
Whether you are a General Contractor, Roofing Contractor, Electrical Contractor, Plumber, Framer, or any other specialty trade, having the right construction insurance is not just smart business — in Texas, it is often required by law and by contract. General Liability insurance is the foundation of every contractor's insurance program, protecting your business from third-party claims for bodily injury and property damage arising from your operations. But general liability alone is rarely enough. The construction industry carries complex, layered exposures that demand a carefully designed commercial insurance package. At Silva and Sons Insurance Services, our licensed brokers have spent years placing construction insurance for Texas contractors of every size and trade. We understand the challenges you face — certificate of insurance requirements, subcontractor agreements, bonding demands, equipment theft, on-site accidents, and workers compensation compliance. As an independent insurance agency based in Liberty Hill, TX, we work with a broad network of highly rated carriers to find you the most competitive rates and the broadest coverage available, often with flexible payment plans that work with your cash flow. We handle General Liability, Workers Compensation, Commercial Auto, Inland Marine, Builders Risk, Excess and Umbrella Liability, and Contractor Bonding — all under one roof. We can issue your policy and Certificate of Insurance quickly so you never lose a job over paperwork. Whether you are a small owner-operator or a large commercial construction firm serving Austin, Georgetown, Cedar Park, Leander, Round Rock, Liberty Hill, or anywhere across Central Texas, we build a construction insurance program that scales with your business and keeps you protected on every job site.
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Dealership Insurance
Running an automobile or motorcycle dealership is a complex business with a unique set of insurance exposures that most commercial brokers simply don't understand. From your dealer lot and showroom inventory to your service department, test drives, and customer vehicles in your care, the risks facing a dealership are unlike those of any other business. That's why working with a broker who specializes in dealership insurance makes all the difference. At Silva and Sons Insurance Services, our vast experience insuring automobile and motorcycle dealers means you'll receive outstanding protection from a team that truly knows your business. We understand the difference between a franchise dealer and an independent used car lot. We know the coverage gaps that can leave a dealer exposed — and we know how to close them. Dealers insurance is complicated, and few brokers take the time to learn it properly. We have. We work with dealers of all sizes across Texas and the surrounding region, from single-point independent dealers to multi-rooftop franchise operations. Whether you sell new cars, pre-owned vehicles, motorcycles, RVs, or powersports equipment, we'll design an insurance program that fits your specific operation. We'll review your current coverage, identify any gaps or overlaps, and present you with a comprehensive program that protects your inventory, your employees, your customers, and your business. Dealership insurance involves a wide range of specialized coverages that must work together seamlessly. Garage Liability, Dealers Physical Damage, Demo Liability, False Pretense, Drive-Away Collision, and Title E&O are just a few of the components that make up a complete dealer insurance program. Our brokers will explain each coverage in plain language, help you understand what you're buying, and make sure your program is structured correctly from day one. Serving Central Texas, Dallas, Houston and San Antonio Communities.
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Automotive Repair & Shops
Auto repair shops, tire shops, oil change centers, transmission specialists, and full-service automotive service centers face a unique set of risks every single day. Customer vehicles are in your care, custody, and control. Your technicians are working with heavy equipment, hazardous fluids, and high-pressure systems. Your tools, lifts, and diagnostic equipment represent a significant investment. And your customers expect their vehicles to be returned in the same — or better — condition than when they dropped them off. One mistake, one accident, or one theft can cost your business tens of thousands of dollars without the right coverage in place. At Silva and Sons Insurance Services, we work with automotive repair businesses of all sizes across Texas to design insurance programs that address the specific exposures of your shop. We understand that a small independent mechanic has different needs than a multi-bay dealership service department or a specialty performance shop. We take the time to learn your operation, understand your risks, and find coverage that actually fits. Garagekeepers Liability is one of the most critical coverages for any auto repair business — it protects you when a customer's vehicle is damaged or stolen while in your care. But it's just one piece of a complete shop insurance program. You also need Garage Liability to cover bodily injury and property damage claims arising from your operations, as well as coverage for your own tools, equipment, and building. If you have employees, Workers Compensation is required by Texas law for most businesses. Our licensed brokers will walk you through every coverage option, explain what's included and what's excluded, and make sure your program is built to handle the real-world risks your shop faces. We work with a broad network of carriers to find you competitive rates without sacrificing the coverage you need to stay protected. Serving Central Texas, Dallas, Houston and San Antonio Communities.
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Physicians & Medical Offices
Medical professionals and healthcare facilities carry one of the heaviest responsibilities of any business — the health and wellbeing of their patients. With that responsibility comes significant insurance exposure that requires a carefully designed program to manage effectively. From malpractice claims and HIPAA compliance to slip-and-fall incidents in your waiting room and cyber threats targeting your patient records, the risks facing a medical practice are broad, complex, and constantly evolving. At Silva and Sons Insurance Services, we work with physicians, surgeons, dentists, chiropractors, physical therapists, urgent care clinics, and medical offices of all sizes across Texas to design insurance programs that protect your practice, your staff, and your patients. We understand that no two medical practices are alike — a solo family physician has very different needs than a multi-specialty group practice or an outpatient surgical center. We take the time to understand your specific operation and design a program that fits. Professional Liability — also known as Medical Malpractice Insurance — is the cornerstone of any physician's insurance program. It protects you against claims alleging negligence, errors, or omissions in the delivery of professional medical services. But malpractice coverage is just the beginning. Your practice also needs General Liability to cover non-medical incidents on your premises, Commercial Property coverage for your equipment and office contents, and Cyber Liability to protect against data breaches involving sensitive patient information. If you employ staff, Workers Compensation is required by law in most circumstances. And if your practice owns or leases vehicles for business use, Commercial Auto coverage is essential. Our brokers will review your current program, identify any gaps, and present you with a comprehensive solution that addresses the full range of risks your practice faces — at competitive rates from carriers who specialize in healthcare. Serving Central Texas, Dallas, Houston and San Antonio Communities.
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Restaurant Industry
Running a restaurant is one of the most demanding businesses in the world. You're managing a fast-paced environment with constant foot traffic, a kitchen full of open flames and sharp equipment, employees handling food and serving alcohol, and customers who expect a safe and enjoyable experience every time they walk through your door. The restaurant industry faces a wide range of insurance exposures — and without the right coverage in place, a single incident can threaten everything you've built. At Silva and Sons Insurance Services, we work with full-service restaurants, fast casual concepts, bars and nightclubs, food trucks, catering operations, and everything in between. We understand that a fine dining establishment has different risks than a neighborhood taco shop or a high-volume sports bar. We take the time to learn your operation, understand your specific exposures, and design an insurance program that actually fits the way you do business. General Liability is the foundation of any restaurant insurance program, covering bodily injury and property damage claims that arise from your operations — including slip-and-fall accidents, foodborne illness claims, and damage caused by your employees. If you serve alcohol, Liquor Liability coverage is essential and, in many cases, required by your lease or local ordinance. Commercial Property coverage protects your building, kitchen equipment, furniture, and inventory against fire, theft, and other covered perils. Workers Compensation is required by law for most Texas employers and is especially important in the restaurant industry, where cuts, burns, slips, and strains are common. Business Interruption coverage can help replace lost income if a covered event forces you to close temporarily. And if you operate a food truck or use vehicles for catering or delivery, Commercial Auto coverage is a must. Serving Central Texas, Dallas, Houston and San Antonio Communities.
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Manufacturing
Manufacturing operations involve some of the most complex and high-stakes insurance exposures of any industry. From the machinery on your production floor to the products you ship to customers across the country, the risks facing a manufacturer are broad, interconnected, and often significant in scale. A single equipment breakdown, a workplace injury, or a product liability claim can result in losses that threaten the financial stability of your entire operation — unless you have the right insurance program in place. At Silva and Sons Insurance Services, we work with small and mid-size manufacturers across Texas and the surrounding region to deliver comprehensive, cost-effective coverage that keeps your operation protected. We understand that a food manufacturer has very different exposures than a metal fabricator, a chemical processor, or a custom parts supplier. We take the time to learn your specific operation, understand your supply chain, and design an insurance program that addresses your actual risks — not a generic one-size-fits-all policy. General Liability is the starting point for any manufacturer's insurance program, covering bodily injury and property damage claims arising from your operations and your products. Product Liability coverage is especially critical for manufacturers — if a product you make causes injury or property damage after it leaves your facility, you can be held responsible. Commercial Property coverage protects your building, machinery, raw materials, and finished goods inventory. Equipment Breakdown coverage can help cover the cost of repairing or replacing critical production equipment after a mechanical or electrical failure. Workers Compensation is required by law for most Texas employers and is essential in a manufacturing environment where the risk of workplace injury is elevated. Business Interruption coverage can replace lost income and cover ongoing expenses if a covered event forces your facility to shut down temporarily. Our brokers will review your current program, identify any gaps, and present you with a complete solution built for the realities of your manufacturing operation. Serving Central Texas, Dallas, Houston and San Antonio Communities.
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Racing Teams & Venues Insurance
Motorsports is one of the most specialized — and most underserved — niches in all of commercial insurance. The unique combination of high-speed competition, large spectator crowds, expensive equipment, and significant liability exposure makes motorsports insurance a category that most general commercial brokers simply aren't equipped to handle. At Silva and Sons Insurance Services, we've made it our business to understand this industry inside and out — and we offer motorsports coverage to race drivers, race teams, race associations, and race tracks in all 50 states and beyond. Whether you're running a local karting series, a regional dirt track, a professional drag strip, a road course, or a freestyle motocross event, we have the carrier relationships and the industry expertise to find coverage that actually fits how you operate. We work with sanctioning bodies, promoters, track owners, team owners, and individual competitors to design insurance programs that address the full range of risks involved in motorsports — from on-track incidents and spectator injuries to equipment theft and directors and officers liability for racing associations. Race track and venue operators face a particularly complex set of exposures. You're responsible for the safety of competitors, crew members, officials, and thousands of spectators — all in an environment where high speeds and mechanical failures are part of the sport. Race Owners and Sponsors Liability, Spectator and Participant Liability, and Excess Umbrella coverage are essential components of any track or venue insurance program. We'll make sure your program is structured to handle the worst-case scenarios so you can focus on putting on a great event. For race teams and individual competitors, we offer coverage for your equipment, your trailer, and your liability exposure both on and off the track. Off-Track Storage and Contents coverage protects your investment when your race car is sitting in the shop or in transit. Our brokers will work with you to understand your specific program and build a policy that gives you the protection you need at a price that makes sense. Serving Central Texas, Dallas, Houston and San Antonio Communities.
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