Frequently Asked Questions
At EIS-Texas, we believe insurance should be simple, transparent, and tailored to your needs.
As a commercial-first independent insurance agency, we specialize in protecting Texas businesses—contractors, care facilities, and small to mid-size companies—through comprehensive coverage and proactive risk management.
But we also know that your life outside of work matters just as much. That’s why we offer personal insurance solutions for your home, vehicles, and family—giving you peace of mind wherever life takes you.
Below, you’ll find answers to our most common questions from business owners and families across Texas. From policy details and claims processes to coverage recommendations, these FAQs are designed to help you make confident, informed decisions about protecting what matters most.
EIS-Texas (Eastman Insurance Solutions Texas) is a full-service independent insurance agency providing personalized protection and risk management solutions. We serve individuals, families, and businesses across Texas with honor, integrity, and service-driven values.
We serve clients throughout the entire state of Texas—including Dallas, Fort Worth, Austin, Houston, San Antonio, and surrounding communities—both virtually and in person.
Unlike captive agents who represent one carrier, EIS-Texas is independent. That means we work for you, not the insurance company. We partner with top-rated carriers to compare options, customize coverage, and deliver long-term value. Our consultative approach ensures every policy aligns with your goals and risk profile.
Simply click “Get Started” or “Request a Quote” on our website to schedule your free risk consultation. We’ll assess your current coverage, identify gaps, and present customized solutions designed to protect what matters most to you.
Most personal insurance policies can be issued the same day. Commercial insurance varies depending on carrier underwriting, typically between 2–10 business days. Our team keeps you updated every step of the way.
We proudly partner with trusted national and regional carriers including Chubb, Travelers, The Hartford, Safeco, Progressive, Nationwide, Liberty Mutual, and AmTrust, among others. This allows us to offer flexible options and competitive rates for both personal and commercial insurance.
We provide a full suite of business insurance solutions, including:
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General Liability
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Workers Compensation
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Commercial Auto & Fleet
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Commercial Property
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Professional & Cyber Liability
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Umbrella / Excess Liability
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Risk Management Programs
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Captive & Specialty Programs
We focus on high-risk and service-based industries such as:
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Trade Contractors (electrical, plumbing, HVAC, roofing, etc.)
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Health & Human Services (residential care homes, assisted living facilities)
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Pest Control Companies
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Small to Mid-Size Businesses with growing teams and complex risk needs
Many businesses are underinsured or overpaying for policies that don’t match their exposures. Our comprehensive risk review identifies gaps, overlaps, and opportunities to optimize your coverage—helping you save money and reduce liability.
We act as your advocate. Our claims team works directly with carriers to ensure timely communication, accurate documentation, and fair settlements—so you can stay focused on running your business.
Yes. We manage COIs (Certificates of Insurance), renewal tracking, policy audits, and regulatory compliance documentation for contractors and corporate clients.
Absolutely. Our licensed advisors manage multi-state operations and can coordinate with your out-of-state offices to ensure seamless compliance and coverage continuity.
We offer complete protection for individuals and families, including:
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Homeowners & Renters Insurance
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Auto & Motorcycle Insurance
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Boat, RV, and Specialty Vehicle Coverage
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Life Insurance (Term & Whole)
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Umbrella Liability Policies
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Landlord / Investment Property Coverage
Working with an independent agency means you get multiple carrier quotes, unbiased advice, and ongoing service from a real local advisor—not a call center. We tailor your protection to your lifestyle, assets, and long-term goals.
We recommend reviewing your coverage annually or anytime you experience a major life event—buying a home, adding a driver, starting a business, or expanding your assets.
Premiums depend on factors such as location, driving record, claims history, credit score, vehicle type, and coverage selections. We shop your rates regularly across top carriers to ensure you always get the best combination of price and protection.
If you experience a loss, contact us first. We’ll help file your claim, explain the process, and communicate directly with your carrier to ensure a smooth resolution. We advocate for you—every step of the way.
Yes! Bundling policies can save up to 20% or more, depending on your carriers. It also simplifies billing and provides broader coverage benefits.