El Paso has 680,130 residents in 245,346 households. We list 26 agencies for commercial umbrella insurance in El Paso. Here is what the local numbers say about the cover people here need.

El Paso at a glance

26commercial umbrella insurance agencies listed
39.2%of households rentRenters insurance
$184,500median home valueHome insurance
1984median year homes were builtRebuild cost calculator
7.1%of households have no carAuto insurance
3%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in El Paso County

FEMA rates the overall natural hazard risk in El Paso County, where most El Paso agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in El Paso
HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in El Paso
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Texas
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in El Paso

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in El Paso How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies El Paso agencies work with

Of the 26 El Paso agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

RLI26 agencies
Progressive21 agencies
Foremost20 agencies
Contractors Bonding and Insurance Company19 agencies
Old American18 agencies
WESTERN SURETY COMPANY18 agencies
Home State17 agencies
Redpoint16 agencies
GEICO14 agencies
Incline11 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where El Paso agencies are

El Paso agencies we list sit in 14 ZIP codes, mostly in El Paso County.

799074 agencies
799254 agencies
799383 agencies
799022 agencies
799282 agencies
799352 agencies
799362 agencies
799041 agency
799121 agency
799151 agency
799221 agency
799951 agency
799961 agency
799971 agency

Questions

Commercial Umbrella insurance in El Paso

All insurance agencies in El Paso · Commercial Umbrella insurance across Texas

Where can I find commercial umbrella insurance in El Paso?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does commercial umbrella insurance cover?

Extra liability limits above your general liability and commercial auto policies.

Which insurance companies do El Paso agencies work with?

Among the 26 El Paso agencies whose appointments we hold, the companies they are most often appointed with are RLI (26), Progressive (21), Foremost (20), Contractors Bonding and Insurance Company (19), Old American (18). An appointed agency can quote that company's policies.

Do I need flood insurance in El Paso?

FEMA's National Risk Index rates inland flooding risk in El Paso County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Commercial Umbrella insurance near El Paso

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