Insurance And Risk Management

HRO's modern approach to risk management seeks to change the game, leveraging its industry knowledge, analytical expertise and innovative mind-set guide companies on their insurance purchasing and risk management journey.

Headquartered in Houston, Texas with and office in Austin, HRO is a best-in-class insurance broker delivering commercial property and casualty coverage's tailored to our clients' unique needs. We are nothing less than their trusted insurance partner.

We've built the strategic relationships with industry-leading insurance companies and suppliers to provide comprehensive and niche risk management and asset protection solutions.

Specializing in the insurance and risk management needs for the following industry niches:

Industry Specialization:

  • Transportation Industry and Automobile Dealers
  • Technology and Innovation Firms
  • Emerging and High Growth Firms
  • Consumer Goods Industry
  • B2B Industry
  • Healthcare Industry
  • Retail Industry
  • Manufacturing Firms
  • Professional Services Firms

We know the needs, challenges, and complexities that are unique to each industry sector.In addition to the traditional insurance products: Property, Liability, Automobile, Worker's Compensation, Umbrella, and Excess and Global Risks, we specialize in unique insurance products that are important to the industries we serve:

Insurance Product Specialization:

  • Property, Liability, Automobile, Worker's Compensation, Umbrella, and Excess and Global Risks
  • Directors and Officers Liability (Private and Public firms)
  • Employment Practices Liability
  • Fiduciary Liability
  • Crime Insurance
  • Professional Errors and Omissions
  • Technology Errors and Omissions, Cyber Liability
  • Products Liability
  • Clinical Trials
  • Car Sharing, Ride Sharing and Unique Automobile Exposures
  • Automobile, Liability, Garage keepers, Dealers Open Lot
  • Transaction Programs (M&A)
  • Safety Programs
  • ERM (Enterprise Risk Management) Services
  • Personal Lines for High Net Worth and Family Offices
  • Affinity Insurance Programs

We build a consultative approach and develop strategic partnerships with clients that ensure our products deliver solutions and add value to your organization.