DENTON BUSINESS INSURANCE
Texas' Trusted Commercial Insurance & Risk Management Specialists
We help Texas business owners get the right commercial coverage fast. As an independent agency based in Denton, we shop top carriers — so your business gets better protection at a better price.
About Us
Local Insurance Advisors Who Understand Small to Mid-Sized Business
At Ryan Everet Insurance, we help small to mid-sized business owners across Texas protect what they've worked so hard to build. Based right here in Denton, we're an independent insurance agency—which means we’re not tied to one carrier. We work for you, not the insurance companies.
Whether you're just starting out or scaling up, you need a partner who understands the risks your business faces. From general liability and commercial property to cyber protection and workers’ comp, we help you find coverage that fits your industry, your budget, and your growth.
Here’s what you can expect from us:
- Real advice, not pushy sales.
We listen first, then recommend only what makes sense for your business.
- Options from top carriers. We shop multiple providers (like AmTrust, Chubb, The Hartford, Progressive and Travelers) to get you the best fit.
- Fast, friendly support. Questions or claims? You’ll get real people—not a call center.
- Local insight. We know the Denton business landscape, zoning, weather, and legal requirements.
We’re business owners too—so we get it. You wear a lot of hats. Let us take the insurance one off your plate so you can focus on running your business.
Protect your business with confidence.
Invested in What Matters.
We Are More Than an Insurance Agency
At Ryan Evert Insurance (Denton Business Insurance), we believe that being a great business means being a great neighbor. From day one, giving back to Denton has been part of how we operate — not a program we launched, not a tagline we adopted, but something that comes naturally when you genuinely care about the place you call home.
We donate a portion of our profits to local non-profits, community organizations, and the events that bring Denton together. We have helped charities get covered when no one else could find the market. We have shown up for the foundations, the festivals, and the small organizations doing real work in our backyard — because that is what a local agency does.
Our membership in the Denton Chamber of Commerce and the Denton Main Street Association keeps us connected to the business community we serve every single day. We are not just an agency based in Denton — we are a part of it. And when this community thrives, so do we.
Why Denton Business Insurance
The Difference a Local Independent Agency Makes
We built this agency for business owners who want real advice, real options, and a team that picks up the phone.
We Work for You
We are an independent agency. We compare coverage from multiple top carriers to find the right fit for your business — not the easiest sale for us.
We Know Texas Business
We understand the Denton and Texas business landscape — from local zoning to weather risks. Our team works with businesses across the state every day.
Fast and Responsive
We return calls, answer emails, and deliver Certificates of Insurance in hours. You reach a real person every time.
Coverage Built for Your Business
No two businesses are the same. We ask the right questions about your business and risks before we recommend any coverage.
Advisors Who Know Their Craft
Experienced Professionals. Real Accountability.
Every client works with a licensed advisor who understands commercial risk — not a generalist who sells anything to anyone.
David Call
Founder
David built this agency to give Denton and Texas business owners access to honest, independent advice — with real options from top-rated carriers and no pressure to buy the wrong thing.
Linda Dodson
Agency Director
With more than 30 years in commercial insurance, Linda digs into the details of your business so the coverage she recommends actually matches what your business does.
Michael Whitaker
Advisor
Michael helps owners identify gaps in their current coverage and find commercial policies that protect their people, their equipment, and their financial exposure.
Paul Dalagan
Account Specialist
Paul brings a strong construction background to help clients with policy accuracy, documentation, and making sure every policy detail is covered from start to finish.
Have a question before you get a quote? Call us directly at (940) 268-5112 — a real person will pick up.
Straight from the Clients We Serve
Texas Business Owners Rate Us 5 Stars — Here Is Why
We hear the same things repeatedly: fast service, honest advice, and coverage that made sense for their situation. That is what we aim for every time.
Protection Across Every Area of Your Business
What Texas Owners Need. What We Deliver.
From your job site and your fleet to your data and your payroll — we cover the risks that Texas businesses carry every day.
General Liability
Covers third-party claims of bodily injury, property damage, and advertising injury. A foundational protection for nearly every Texas business, regardless of industry or size.
Commercial Property
Covers your building, equipment, inventory, and business contents against fire, theft, storms, and vandalism. Can also include lost income if your business is forced to stop.
Commercial Auto
Protects vehicles your company owns, leases, or uses for work. Covers liability, collision damage, and injuries for employees driving on company time.
Errors & Omissions
Protects service providers when a client claims your advice, work, or recommendations caused them a financial loss. Critical for consultants, IT firms, agents, and other professional service businesses.
Directors & Officers
Covers leadership decisions that result in claims from employees, investors, or outside parties. Protects your directors and officers personally when management decisions are challenged.
Inland Marine & Equipment Floater
Covers tools, materials, and equipment that move between job sites or are stored off your primary property. Fills the gap where a standard commercial property policy stops.
Every Sector Has Its Own Risk Profile
We Know Your Trade. We Know Your Exposure.
We work with a wide range of Texas industries — each with different coverage priorities. Below are the sectors we serve most often.
Apartment Complexes
Texas apartment owners face liability across common areas, tenant incidents, and on-site staff. We cover your property, your income, and your exposure — across one complex or an entire portfolio.
Manufacturing Businesses
Equipment breakdowns, product liability, and workforce injuries are daily risks for Texas manufacturers. We build coverage from the shop floor to the loading dock — so one incident does not shut you down.
Artisan Contractors
Plumbers, electricians, and skilled tradespeople work in high-risk environments every day. We build coverage around your tools, your vehicles, and your crew — so a job site incident does not stop your business.
Restaurants & Food Service
Restaurants carry liability on every shift — from the kitchen to the dining room and everything in between. We protect your location, your staff, and your equipment, including lost income when operations stop.
Non-Profits Service
Non-profits face unique liability across events, volunteers, staff, and leadership decisions. We cover your organization from the ground up — so you can focus on your mission, not your exposure.
Event Insurance
Event organizers face liability the moment guests arrive, vendors set up, and alcohol is served. We cover your event from start to finish — so one unexpected incident does not cancel everything you planned for.
Three Steps. No Surprises.
From Your First Call to Active Coverage
We keep the process transparent from start to finish. You will know exactly what you are getting and what it costs before you commit to anything.
Tell Us About Your Business
Call us or fill out our online form. We ask about your work, your team size, your assets, and the types of protection you are currently missing or looking to add.
We Research and Educate You on Your Options
We research your coverage options across 50+ insurance companies, compare quotes side by side, and walk you through exactly what each policy covers so you can make an informed decision.
We Get You Covered
Once you choose, we handle the paperwork and get your policy active fast. We stay available after the sale for endorsements, renewals, claims guidance, and certificate requests.
More Than a Quote — A Real Conversation
We want you to be fully informed.
Understanding a commercial insurance policy can be confusing and your time is valuable. We take the time to explain your coverages via video, phone, or in-person – your choice.
The best insurance decision is an informed one. Our goal is to make sure you understand what you are buying and how it fits your business.
Answers Before You Pick Up the Phone
What Texas Businesses Ask Us Most.
We get a lot of the same questions from business owners across Texas. Here are honest answers to the ones that come up most.
What information do you need to get a commercial insurance quote?
We keep the process straightforward. We typically need your business name, a description of your business, your gross annual sales projection, number of full-time and part-time employees, your gross annual payroll, and the types of coverage you are looking for. If you have an existing policy, the expiration date and current carrier help us put together a competitive comparison.
The most important thing you can do is be transparent about what your business actually does. Accurate classification ensures you have real coverage if a claim occurs. We have seen businesses with active policies that were incorrectly classified — and those gaps only surface at the worst possible moment.
Does Texas require businesses to carry Workers' Compensation Insurance?
Texas is the only state in the country that does not require most private employers to carry Workers' Compensation. However, if your business holds government contracts or works as a subcontractor on a job site, the hiring company will almost always require proof of coverage before work begins. A growing number of general contractors across Denton and the DFW area enforce this as a standard condition.
Even without a legal requirement, carrying Workers' Comp protects your business from direct liability if an employee is hurt on the job. Medical bills, lost wages, and legal fees can add up quickly — and one serious incident can create a financial loss that far exceeds years of premium payments.
What is a commercial insurance audit and should I expect one?
Most commercial general liability policies are auditable. At the end of your policy term, the insurance carrier reviews your actual gross sales to make sure your premium matched your real exposure. If your sales grew during the year, you may owe an additional premium. If sales came in lower, you could receive a refund.
The best way to avoid a large balance due at audit time is to update your projected gross sales with us during the year if your business grows faster than expected. We can endorse your policy mid-term to reflect the change and spread any additional premium across smaller installments instead of one lump sum at year-end.
What factors affect how much my commercial coverage will cost?
Your premium is calculated based on several variables specific to your operation — industry classification, gross annual sales, number of employees, gross payroll, claims history, and the types of coverage you need. A business that handles physical work with a crew on job sites will pay differently than a professional services firm working out of an office.
As an independent agency, we compare quotes across multiple carriers — including Travelers, The Hartford, Chubb, AmTrust, and others — to find the combination of coverage and price that works for your situation. There is no obligation after your quote, and we walk through every option in plain terms before you decide anything.
My business is a restaurant — what coverage do I actually need?
Restaurants are not a one-size-fits-all class of risk. Carriers look at a range of factors when evaluating a restaurant account: whether you serve alcohol, whether deep frying is involved, the type of fire suppression system in place, whether you have a hood cleaning contract, and whether you offer catering, delivery, or live entertainment. All of these affect both pricing and carrier appetite.
A well-structured restaurant policy typically includes general liability, building and business personal property coverage, liquor liability if applicable, food contamination coverage, business income protection, and workers' compensation for your staff. We work with carriers that actively want to write restaurant accounts in Texas — including Travelers, The Hartford, and Chubb — so you have real options to compare.
Can you help insure a business that is hard to place or outside the mainstream?
Yes — this is one of our strengths. We work with Excess and Surplus (E&S) lines markets through carriers like Burns & Wilcox for businesses that standard carriers will not write. We have placed coverage for master sign electricians, cable splicing operations, transmission rebuild shops for classic cars, CBD retailers, and many other non-standard accounts.
If you have been told your business is difficult to insure or you have received very limited options in the marketplace, reach out to us. We take time to understand your operations in detail, present your account to the right markets, and work to find coverage that actually reflects what you do — not a generic policy that leaves gaps.
Still have Question?
We’re here to help you!
Written for the Texas Business Owner
Insights That Help You Make Smarter Decisions
We publish articles on real topics that affect how Texas businesses get covered — from local regulatory updates to coverage gaps most owners do not know they have.
No Pressure. Just the Right Coverage.
Let's Find Out What Your Business Actually Needs
Get a free coverage review from a local Texas advisor. No pressure — just honest answers.
We compare your options, explain your risks in plain terms, and get your coverage in place fast. Most clients receive their first quote within one business day.
Contact Info
(940) 268-5112
121 Hann Street, Denton, TX 76201
