Small Business Insurance in Texas That Actually Works for You
Private health plans, group coverage, and supplemental benefits for Texas small business owners - with rates locked until age 65 and first-dollar coverage.
Finding the Right small business insurance in Texas
Finding the right small business insurance in Texas is one of the most important decisions you will make as a business owner. Whether you have one employee or ten, offering quality health coverage helps you attract great people, reduce turnover, and protect the business you have worked hard to build. Through Life, Health & Family Insurance, Kirk Surber offers private small business insurance plans that are flexible, affordable, and built around your team - not a one-size-fits-all group policy.
Why Choose a Life, Health & Family Insurance Plan?
- Group health plans for businesses with 2 or more employees
- Rates locked until age 65 - no annual premium increases
- First-dollar Association Membership coverage eliminates high deductible exposure
- Private plans - not ACA marketplace limitations
- Dental, vision, disability, and life insurance add-ons available
- Free consultation to build a plan that fits your budget
First-Dollar Coverage. No Deductible Surprises.
Most health plans leave you paying a $3,000–$6,000 deductible before coverage kicks in. Through our Association Membership, your benefits start from dollar one - before you ever reach your deductible. Your rates stay locked until age 65 with no annual increases.
Learn How It WorksA Local Agent Who Understands Your Situation
Kirk Surber is a veteran and former small business owner who understands the real cost of inadequate coverage. After running a photography business and a SaaS company, he experienced firsthand how the insurance system fails self-employed people and small business owners. That experience is why he became a Life, Health & Family Insurance agent - to offer plans he genuinely believes in.
Based in Montgomery, TX and serving clients across Conroe, Willis, Magnolia, Spring, Houston, and all of Texas - Kirk offers free, no-pressure consultations via video so you can get answers from wherever you are.
Frequently Asked Questions About small business insurance
How many employees do I need to qualify for small business group health insurance?
Life, Health & Family Insurance plans are available for businesses with 2 or more employees, including the owner. Solo business owners can also access individual plans with comparable benefits.
Can I deduct small business health insurance premiums?
Yes. Small business owners can generally deduct health insurance premiums as a business expense. Consult your tax advisor for specifics to your situation.
How are Life, Health & Family Insurance plans different from ACA small business plans?
Life, Health & Family Insurance plans are private health plans - not ACA marketplace plans. Key advantages include rate stability locked until age 65, first-dollar coverage, and more flexible plan structures.
What supplemental coverage is available for my team?
In addition to core health plans, we offer dental, vision, accident protection, life insurance, disability income, and critical illness coverage - all through one advisor.
Let's Build the Right Coverage Plan for Your Business.
A free, no-pressure conversation is all it takes. Kirk will listen to your situation and help you find coverage that actually works - at a rate that stays locked until age 65.