Business Details
Your Trusted Insurance Partner in Texas
Program Insurance Group, now a Higginbotham Partner, specializes in delivering tailored insurance solutions for businesses and individuals. With a focus on risk management, we offer a comprehensive range of commercial and personal insurance products designed to meet diverse client needs. Our team of seasoned professionals prioritizes service excellence, ensuring clients receive competitive pricing and coverage from reputable carriers. Established in Central Texas, we serve clients nationwide, leveraging decades of industry expertise to protect assets and foster long-term relationships.Our commitment to integrity and client-centric service drives every decision, from policy selection to claims resolution. By combining local knowledge with national resources, we provide innovative insurance strategies that adapt to evolving risks. Whether safeguarding a franchise network or securing personal assets, our mission remains clear: to deliver reliable protection and peace of mind through personalized insurance solutions.
Services
Business Insurance
Commercial Auto
Professional Liability
Business Owners Policy
Workers Compensation
Franchise Insurance
Personal Insurance
Homeowners Insurance
Life Insurance
Renters Insurance
Highlights and features
- We offer 30+ years of combined experience in commercial and personal insurance solutions.
- Our team provides tailored risk management strategies for businesses of all sizes.
- Nationwide service with local expertise in Texas markets.
- We partner with top-rated carriers to ensure reliable coverage options.
- Dedicated claims support available Monday through Friday.
Services
Business Insurance
Program Insurance Group provides comprehensive business insurance solutions protecting companies against liability, property damage, and operational risks. Our policies cover general liability, commercial auto, and specialized industry-specific protections. With tailored options for small businesses and franchises, we ensure coverage aligns with each client's unique risk profile and regulatory requirements.
Commercial Auto Insurance
Our commercial auto insurance safeguards business vehicles against collision, theft, and liability claims. Coverage includes liability protection, collision repair costs, and comprehensive coverage for natural disasters or vandalism. Designed for companies with single vehicles or large fleets, policies meet state requirements while protecting business assets and operations.
Workers Compensation
Workers' compensation insurance covers medical expenses and lost wages for job-related injuries. Our policies comply with state regulations while protecting employers from liability claims. Coverage includes both statutory benefits and employer liability protection, ensuring businesses remain financially secure while supporting employee well-being and regulatory compliance.
Franchise Insurance
Specialized franchise insurance addresses unique risks across multiple locations and brands. We provide standardized coverage meeting franchisor requirements while accommodating individual unit needs. Policies include property protection, liability coverage, and business interruption insurance, ensuring consistent risk management across franchise networks nationwide.
Homeowners Insurance
Personalized homeowners insurance protects against property damage, liability claims, and living expense disruptions. Coverage includes structural protection, personal belongings, and supplemental policies for floods, earthquakes, and valuable items. Our independent agency shops multiple carriers to find competitive rates while providing tailored solutions for individual homeowner needs.
People
Doug Groves
Principal
With over 25 years in insurance leadership, Doug Groves oversees strategic operations at Program Insurance Group. His expertise in commercial risk management ensures clients receive innovative solutions while maintaining the agency's commitment to personalized service and community values.
Gene Lawhon
Senior Account Executive
Gene Lawhon brings 18 years of commercial insurance experience to Program Insurance Group. Specializing in franchise and business owner policies, he develops customized protection strategies while maintaining a client-focused approach to risk assessment and policy implementation.
Andrea Denton
Account Executive
Andrea Denton, a licensed CPA and insurance professional, provides financial risk analysis for business clients. With 15 years in insurance and accounting, she combines financial expertise with coverage solutions to protect companies' assets and ensure regulatory compliance.
Melanie Hoy
Personal Lines Manager
Melanie Hoy leads personal insurance services with 20 years of experience in homeowners and auto coverage. Her team focuses on creating comprehensive personal protection plans while maintaining competitive pricing and exceptional client support for individuals and families.
Danny Swafford
Senior Account Executive
Danny Swafford specializes in commercial insurance solutions with particular expertise in construction and professional liability coverage. His 22 years in the industry ensure clients receive technically sound advice while maintaining Program Insurance Group's commitment to personalized service and community values.
Questions
What types of business insurance do you offer?
We provide general liability, commercial auto, workers' compensation, business owners policies, professional liability, and franchise-specific coverage. Our agents tailor solutions for businesses of all sizes and industries.
Do you offer insurance for multi-state operations?
Yes, we provide nationwide coverage with policies that meet varying state regulations. Our franchise insurance solutions specifically address multi-location business needs across different jurisdictions.
How quickly can I get a policy quote?
Most business insurance quotes are provided within 24 hours of submitting required information. Personal insurance quotes typically take less than one business day using our online questionnaire system.
What commercial auto coverage options exist?
Our commercial auto policies include liability protection, collision coverage, comprehensive protection, and specified causes of loss options. Coverage meets state requirements while protecting business vehicles against common operational risks.
Can I bundle business and personal insurance?
Yes, we offer coordinated coverage solutions combining business and personal insurance needs. This approach ensures comprehensive protection while potentially qualifying for multi-policy discounts across commercial and individual policies.
