Independent Texas Insurance Advisors

Commercial Insurance Expertise That Goes Beyond the Quote.

JMS helps Texas businesses identify coverage gaps, compare quality insurance markets, and build protection around the risks they actually face.

Request a Coverage Review Talk With a Commercial Insurance Specialist

Commercial Insurance • Personal Insurance • Specialty Coverage • Life & Health

30+ Years Experience
Independent Insurance Agency
35+ Insurance Markets
3 Greater Houston Offices

Commercial Insurance

Protecting Texas businesses for more than 30 years.

Your insurance program should reflect how your business actually operates—not simply check boxes on an application.

From contractors and commercial auto exposures to churches, schools, restaurants, retailers and commercial property owners, JMS works with business owners to understand their exposures, identify potential coverage gaps, and evaluate insurance options from multiple markets.

01

Contractors

Liability, property, equipment, vehicles and coverage structured around the risks contractors face every day.

Explore Coverage → 02

Churches

Protection for property, liability, vehicles, employees, ministries and the people your organization serves.

Explore Coverage → 03

Schools & Daycares

Insurance considerations for facilities, employees, liability, vehicles and organizations entrusted with caring for others.

Explore Coverage → 04

Restaurants

Coverage for property, equipment, liability, employees, commercial vehicles and the unique exposures of food service.

Explore Coverage → 05

Retail Businesses

Insurance designed around your location, inventory, customers, employees and day-to-day operations.

Explore Coverage → 06

Commercial Property

Protect buildings, business property, income and other exposures associated with commercial real estate.

Explore Coverage → 07

Commercial Auto

Coverage for individual business vehicles, multiple vehicles and commercial fleet exposures.

Explore Coverage → 08

Other Businesses

Every organization has a different risk profile. Tell us how your business operates and let us evaluate the options.

Talk With JMS →

More Than Shopping For A Policy

Start with the risk.
Then build the insurance.

The lowest quote is not necessarily the best insurance program. JMS takes a more deliberate approach to helping businesses evaluate their protection.

01

Understand Your Exposure

We learn how your business operates, what you own, where your liability comes from, and what could interrupt your operation.

02

Identify Coverage Gaps

We help evaluate your current protection and discuss areas that may deserve additional attention.

03

Compare Insurance Markets

As an independent agency, JMS can explore coverage options from multiple insurance companies rather than relying on one carrier.

04

Build The Right Program

We help you evaluate coverage, limits, deductibles and price so you can make a more informed insurance decision.

Request a Commercial Coverage Review →

Beyond Your Business

Insurance for the rest of what matters.

JMS's commercial expertise is complemented by personal, specialty, life and health insurance solutions for business owners, families and individuals.

PERSONAL INSURANCE

Home & Auto

Protect your home, vehicles and personal property with coverage selected around your individual circumstances.

Explore Personal Insurance →
SPECIALTY INSURANCE

Special Assets & Exposures

Coverage options for motorcycles, boats, RVs, classic vehicles, valuable property, rental properties and more.

Explore Specialty Insurance →
LIFE & HEALTH

Protecting Your Family

Life and health insurance solutions designed to help protect your family and support longer-term financial planning.

Explore Life & Health →
Independent agency Personal & business coverage Three local offices Support beyond the policy

Coverage for what matters

One team. So many ways
to protect your future.

From everyday essentials to specialized needs, explore coverage with guidance from an experienced insurance professional.

FOR YOUR BUSINESS

Business Insurance

Coverage built around the company you are building, with attention to your property, operations, and liability exposures.

  • General liability
  • Commercial property
  • Coverage tailored to your industry
Explore business coverage
FOR YOUR EVERYDAY LIFE

Personal Insurance

Thoughtful protection for the home, vehicles, and belongings you depend on every day.

  • Home insurance
  • Auto insurance
  • Personal property protection
Explore personal coverage
FOR THE THINGS YOU ENJOY

Specialty Insurance

Explore options for unique assets and situations that need a closer look.

  • Classic cars, motorcycles, boats & RVs
  • Jewelry, fine art & collectibles
  • Rental properties & special events
Explore specialty coverage
FOR THE PEOPLE YOU LOVE

Life & Health Insurance

Plan ahead with options that support your family's financial future and healthcare needs.

  • Term life insurance
  • Whole life insurance
  • Individual & family health plans
Explore life & health coverage

More choices. Personal guidance.

A Few of Our 35+ Insurance Carriers

With access to more than 35 insurance carriers, JMS helps you explore options for your home, vehicles, business, and more.

Travelers
The Hartford
Berkley
CNA Surety
Liberty Mutual
Liberty Mutual Surety
Berkley Aspire
Mercury
Philadelphia
Progressive
AmTrust
Texas Mutual
US Assure
USLI
Insurance paperwork being reviewed during a business meeting
A conversation today.
A more confident tomorrow.

The JMS difference

Your insurance deserves
a personal approach.

Insurance decisions feel easier when you have someone to talk them through. Our team listens, explains your options, and helps you consider coverage that fits your priorities.

Choice through independence

Access to multiple insurance carriers gives us options to explore for your needs.

People you can get to know

Work with a team that includes Douglas Lutz, Ian Lutz, and Carla Korthauer.

A relationship that continues

When questions come up or your circumstances change, we are here to help.

Get to Know JMS

Already part of the JMS family?

How can we help today?

Get assistance with your current policy or connect with our team for your next step.

Payment Assistance Get help with payment options. Claims Assistance Connect with us about a claim. Request a Policy Change Tell us what has changed.

Personal service. Lasting relationships.

“Doug & Carla are rockstars! Great Customer Service and access to good Insurance Coverage.”

Gene W. — Client review featured on our website

Here in your community

Three locations.
One commitment to you.

Connect with JMS Insurance Agency in Stafford, Needville, and Cypress. Call our team at (832) 886-4610.

Serving Stafford, Needville, Cypress, Houston, Katy, Fulshear, and surrounding communities.

Get informed

Make room for a little insurance know-how.

Visit our insurance blog

Let's start a conversation

What matters to you
matters to us.

Tell us what you would like to protect. We will help you explore your options.

Request a Quote Call (832) 886-4610 Call (832) 886-4603
info@jmsins.net