Commercial Property & Casualty
Commercial Property & Casualty

Product Overview
FRED RHODES & CO. is a Houston- based independent insurance agency established in the early 1900’s. We have clients who have been with our agency for four generations because of our philosophy that puts the customers’ needs first. Our experienced insurance agents provide creative and cost-effective solutions that are customized to meet each client’s unique insurance needs.
Our agency offers an extensive list of (A) rated insurance companies and products for virtually any industry. If you are looking for a full-service insurance agency to handle your business and personal insurance solutions, Fred Rhodes & Co. is your answer.
Our Process
We Use Worldclass Methodology and Flow
Commercial General Liability
General Liability (CGL) Policy — a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.
Commercial Umbrella
Fiduciary Liability / ERISA Bonds
Commercial Automobile
Commercial Property
Inland Marine / Ocean Marine
Fidelity / Crime
Bonds
Bond insurance, also known as “financial guaranty insurance,” is a type of
insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security.
Employment Practices
Employment practices liability insurance, known in the trade as EPL insurance or
EPLI, provides coverage to employers (PDF) against claims made by employees alleging: Discrimination (based on sex, race, age or disability, for example) Wrongful termination Harassment Other employment-related issues, such as failure to promote.
Professional Liability / E&O
Directors & Officers Liability
Directors and officers (D&O) liability insurance protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company.
Cyber Liability
Cyber liability insurance covers financial losses that result from data breaches and other cyber events. Many policies include both first-party and third-party coverages. First-party coverages apply to losses sustained by your company directly.

Employee Benefits Liability
Employee Benefits Liability insurance provides coverage to an employer for errors
or omissions in the employer’s administration of its employee benefits program. For example, if a new employee requests to receive medical insurance through the employer and the employer failed to add the new employee to the plan. Then the health insurance company later denies coverage for the employee’s medical claim.
The Employee Benefits Liability coverage would pay for the benefits that would have been payable under the health insurance plan but for the employer’s error. This coverage applies to a wide range of employee benefits including health, life and disability insurance, retirement plans, and other benefits offered through plans administered by the employer.
Get an Insurance Estimate Today
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We look forward to hearing from you.