The Koch Insurance Group

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The Koch Insurance Group Commercial Insurance for Business Owners
General Liability | Workers Comp | Contractors
Risk Strategy | Advisory | Contract Review
Serving Texas + Multi-State

The Koch Insurance Group works with small to mid-sized businesses across Texas, helping owners understand their coverage, identify gaps, and make sure everything is built to protect how their business actually operates. We are a team of professionals who take a detailed and intentional approach to coverage. Every business is different, and we focus on finding solutions that align with how each one operates, not just placing a standard policy. Here, you will find more than just information about insurance. We share real insights, experiences, and the people behind The Koch Insurance Group, giving you a look at the personalities and values that drive the way we do business. Because at the end of the day, if you are relying on your insurance to protect what you have built, it should be set up the right way, by people you know and trust.

What happens when somebody sends your business a $100,000 demand letter?Getting a demand letter for $100,000 will get yo...
10/16/2026

What happens when somebody sends your business a $100,000 demand letter?

Getting a demand letter for $100,000 will get your attention pretty quickly.

Let’s say a client believes a mistake you made cost them $80,000, plus another $20,000 in expenses. With Errors & Omissions insurance, they generally aren’t calling your insurance company and filing a claim against your policy themselves. They’re coming to you and saying, “We believe you’re responsible, and we want $100,000.”

This is where having the right E&O coverage becomes important. If the claim falls within the policy, you can report it to your carrier and they can step in to handle the defense. That means you’re not starting from scratch trying to find an attorney and figure out how you’re going to respond while also running your business.

And remember, somebody demanding $100,000 from you doesn’t automatically mean you owe them $100,000. Sometimes the defense is just as important as the check.

10/14/2026

Technology mistakes happen. What happens to your business when they do?

I’m all for saving money. I’m less enthusiastic about saving $500 on a policy that leaves a $100,000 problem uncovered....
10/12/2026

I’m all for saving money. I’m less enthusiastic about saving $500 on a policy that leaves a $100,000 problem uncovered.

Cheap and correct are not always the same thing. If you’re not sure which one you bought, let’s take a look!

Nothing will make you respect a $2 part quite like realizing how much money you can lose waiting on another one.The part...
10/09/2026

Nothing will make you respect a $2 part quite like realizing how much money you can lose waiting on another one.

The part itself might only cost a couple of bucks, and even getting it rushed in might cost $2,000. The expensive part is the downtime. If that machine isn’t running, neither is the revenue it produces.

Keep the spare parts. Know what a day of downtime costs you. And maybe don’t let a cotter pin hold your entire business hostage.

10/07/2026

Your policy ONLY cares what’s written in it!

If your business has changed, grown, or added services since that policy was written, it's worth digging into the details... that’s usually where the surprises are hiding.

A Master Service Agreement sets the terms for the relationship between you and the client, and insurance requirements ar...
10/05/2026

A Master Service Agreement sets the terms for the relationship between you and the client, and insurance requirements are usually buried somewhere in the middle of it.

Most MSAs include minimum liability limits and may require specific endorsements like additional insured or waiver of subrogation. Some get even more specific with policy language or carrier requirements, which can limit the markets available to us.

This is why we always ask to see the contract when we’re putting together your insurance program. We can quote without it if we don’t have it, but we can’t account for requirements we don’t know about.

Know what insurance requirements you’re agreeing to, and talk with your broker about how those requirements line up with your coverage. We can help with the insurance side. For questions about the contract itself or what you should agree to, that’s a conversation for your attorney.

One of the things I say often is, “Never let a mistake go to waste.” If you screw something up, learn from it. Otherwise...
10/02/2026

One of the things I say often is, “Never let a mistake go to waste.” If you screw something up, learn from it. Otherwise, you’ve just doubled down on the mistake.

I’ve had plenty of moments as a business owner where I’ve closed my office door, put my head on my desk and thought, “What in the world am I doing?” I know a lot of other business owners who have been there too. Have your bad day. Be frustrated. Feel sorry for yourself for a minute if you need to, but don’t stay there.

Figure out what went wrong and what you’re going to do differently. Maybe you need to change your marketing, take the business in another direction, or simply regroup and try again. Whatever the answer is, the business isn’t going to fix itself.

Put your big boy pants on, get back to work and go make something happen. There’s still nothing I’d rather be than a business owner!

09/30/2026

Your business may be running just fine, but what about the businesses you depend on?

If a key supplier shuts down, their problem can become your problem pretty quickly. Know where your dependencies are!

There are always two Adams keeping an eye on things around here. One handles the insurance, the other mostly hangs arou...
09/28/2026

There are always two Adams keeping an eye on things around here.

One handles the insurance, the other mostly hangs around corners looking mildly concerned.

Either way, you’re being supervised!

Want to win bigger contracts? Make sure your insurance can go with you! A contract or Master Service Agreement can spell...
09/25/2026

Want to win bigger contracts?

Make sure your insurance can go with you!

A contract or Master Service Agreement can spell out specific limits, endorsements, and exact policy wording you have to meet. Some of those requirements even determine which carriers we're allowed to use on your behalf.

Before we discuss whether your current policy meets those terms, I take a look at your contract. I have to know what you agreed to, and what the job actually requires before talking about coverage.

You worked hard to land that opportunity. Your insurance should never be the reason you have to walk away from it.

Address

2219 Sawdust Road Ste 501
Spring, TX
77380

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

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