Colsa Advantage, Beyond Insurance

Our agency specializes in tailored insurance solutions for commercial small businesses, offering comprehensive coverage to protect your property, employees, and operations. With personalized service, industry expertise, and a commitment to fast claims processing, we ensure you get the right protection while keeping costs affordable. We're dedicated to safeguarding your business and helping it grow and thrive.
Product Contact
281-815-2003
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Products and Industries served:

​​Typically our package premium threshold is $20,000 or less, with exceptions for industries like Non-Profit Human and Social Services and Driving Schools, where the threshold is up to $30,000.
  • Amateur Sports
  • Bed & Breakfast
  • Day Care Centers
  • Driving Schools ($30,000 or less)
  • Film Production
  • For-Profit Human And Social
  • Health & Fitness​
  • Home Health Care
  • Hunt Club Leasing
  • Land Conservancy
  • Non-Profit Human And Social Services ($30,000 or less)
  • Performing Arts Centers
  • Vocational Schools​​

​We offer comprehensive insurance packages specifically designed to meet the unique needs of Commercial Small businesses. Special features and coverages including, but not limited to:

  • General Liability
    • ​Limits to $1M each occurrence / $3M aggregate ($2M / $4M available on certain products)
    • Claims Made or Occurrence forms available
    • Employee Benefits Liability
    • Abuse or Molestation Coverage
    • Special Events Liability
  • Property
    • ​Blanket Limits Available
    • Equipment Breakdown Coverage
    • Agreed Amount available with a signed statement of values
    • Property Enhancement Coverage Extension
    • Inland Marine Coverage
  • Professional Liability
    • ​Limits to $1M each occurrence / $3M aggregate ($2M / $4M available on certain products)
    • Claims Made or Occurrence forms available
  • Automobile
    • ​Hired, Non-owned and Owned Autos
    • Hired Car Physical Damage
    • Rental Reimbursement
  • Crime
    • ​Employee Theft, Forgery, Money and Securities, Counterfeit Papers, Computer Fraud
  • Umbrella
    • ​Large Excess Limits available as needed​
Coverage(s) described may not be available in all states / areas and are subject to Underwriting. Coverage(s) descriptions are abbreviated and are subject to policy terms, conditions, limitations, and exclusions. If there is any conflict between the coverage(s) descriptions within this page / website and the actual insurance policy, the policy provisions will prevail.  Certain coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.