Commercial insurance. Insurance for Public Entities. Contractor Surety bonds. And the expertise to recommend and deliver products that both reduce risk and increase profitability. San Antonio and South Texas businesses and Public Entities across the State of Texas have come to rely on HCDT for more than 100 years. As an independent insurance agency, we provide access to products from leading insurance carriers and many of the Top 20 writers of surety bonds.
HCDT specializes in surety bonds for the construction industry, business insurance, and insurance for Public Entities. Our goal is to partner with businesses and public entities of all types for the long term and offer a consultative approach to risk management planning that helps clients achieve greater profitability and maximum protection. With all our client relationships, we focus on fast, personal service, and confidentiality.
Your business is exposed to new risks every day. We want to help you identify the areas of your business most vulnerable to financial loss, and to help you choose the most effective program to minimize your exposure to loss. We take the time to get to know your business, so we can deliver effective insurance and bond solutions that help provide peace of mind as you run your business.
Our resources are expanded through HCDT’s membership in the K & S Group of insurance agencies, an affiliation of independent insurance agencies which have joined together to increase our buying power and access to markets. K & S Group holds contracts with most of the national insurance companies, as well as the top regional carriers giving each member agency expanded access to insurance and bond solutions and the ability to serve clients across a wide spectrum of industries.
We have long-standing relationships with many of the San Antonio area’s best-in-class firms. We protect those relationships with a dedication to customized service and an on-going review of the changing regulatory environment for our clients that is uncommon in the industry. We are active members of:
- Associated General Contractors (AGC)
- Associated Builders and Contractors (ABC)
- South Texas Surety Association
- American Subcontractors Association
- Independent Insurance Agents and Brokers of America
- Chartered Property Casualty Underwriters Society
- Builders Exchange of South Texas
- National Association of Surety Bond Producers
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