🎯 Specialty Insurance in Texas

Specialty Insurance in Texas: Coverage for the Unique, Uncommon, and Hard-to-Place
Not every risk fits inside a standard insurance box. That’s where Specialty Insurance comes in. Whether you’re hosting a one-time event, managing a vacant property, or operating a high-risk business, Alamo Shield Insurance Agency helps Texans find coverage for the unexpected.
We work with top-rated specialty carriers and managing general agencies (MGAs) to secure protection for risks that traditional insurers often decline.
What Is Specialty Insurance?
Specialty insurance covers unique or non-standard risks that fall outside typical homeowners, auto, or business policies. These include:

• Vacant or Unoccupied Properties
  Coverage for buildings awaiting sale, renovation, or occupancy
• Short-Term Rentals & Airbnb Hosts
  Protection for property owners renting out homes or rooms
• Special Events
  Liability coverage for weddings, festivals, fundraisers, and private gatherings
• Contractors & High-Risk Trades
  Insurance for roofers, welders, demolition crews, and others with elevated exposure
• Cannabis-Related Businesses
  Coverage for dispensaries, growers, and ancillary services (where legal)
• Cyber Liability & Data Breach
  Protection for businesses handling sensitive customer data
• Surplus Lines Coverage
  For risks that standard carriers won’t write—often placed through MGAs like Texas Specialty Underwriters or Specialty Insurance Managers
  🧩 Who Needs Specialty Coverage?
  If your situation doesn’t fit the mold, specialty insurance may be the solution. Common clients include:
• Property investors and landlords
• Event planners and venue owners
• Contractors and mobile service providers
• Startups in emerging industries
• Businesses with prior claims or unusual exposures
  💰 What Does It Cost?
  Specialty insurance pricing depends on:
  | Factor | Impact on Premium |
  | Type of risk | Higher-risk = higher cost |
  | Location & property value | Urban areas and high-value assets cost more |
  | Duration of coverage | Short-term policies may be more affordable |
  | Claims history | Clean record = better rates |
  | Carrier flexibility | Surplus lines may offer broader terms but higher premiums |
• Alamo Shield works with multiple specialty markets to compare options and find the best fit for your needs.

Why Choose Alamo Shield?
We thrive on the unusual. Whether you need coverage for a pop-up shop or a haunted house, we bring clarity, creativity, and compliance to every quote.

• Access to top-rated specialty carriers and MGAs
• Fast turnaround on hard-to-place risks
• Clear guidance on surplus lines and regulatory requirements
• Local support from a Texas-based agency that understands your market