Your Business Is Growing.
Your Insurance Shouldn't Hold It Back.
From contract requirements and certificates to growing crews, vehicles, and operations, Thrive helps Texas contractors solve today's insurance challenges and prepare for what's next.
Complexity.
Solved.
What's bringing you here?
Insurance problem holding up business? Let's get clear on what's needed.
COIs, contract requirements, additional insured requests, commercial vehicles, or coverage questions: tell us what's happening. We'll help you understand the issue and identify practical next steps, subject to policy terms and carrier requirements.
More crews, more vehicles, bigger jobs. Is your coverage keeping pace?
As your contracting business changes, your insurance program deserves another look. Talk with an independent advisor who starts with your operations, contracts, and business goals.
Independent commercial insurance guidance • Texas contractors • No obligation to switch agents
John Czapko, Founder. You work directly with the agency owner.
Business experience beyond insurance
26 years leading complex business operations and 5 years helping commercial clients protect theirs.
Independent advice. More options.
Access to multiple insurance markets to help find coverage that fits how your business actually operates.
Recognized for our approach
Named the Top Boutique Commercial Insurance Advisory Services 2027 honoree by Insurance Business Review.
Texas contractors. Personal accountability.
Based in Greater Houston, serving contractors across Texas. You'll work directly with the agency owner, not get passed around a call center.
Your Insurance Shouldn't Be the Reason a Job Gets Delayed.
A general contractor needs a certificate before you can start. A new contract has insurance requirements your current policies may not meet. You've added trucks, hired employees, or taken on bigger projects, but your coverage hasn't been revisited.
These aren't just insurance questions. They're business challenges that can cost you time, money, and opportunities.
01
Contracts & Certificates
Keep Projects Moving
Insurance requirements, additional insured requests, waivers of subrogation, and certificates shouldn't become roadblocks to getting the job done. We help you understand what's required, identify potential gaps, and navigate available solutions.
02
Crews & Vehicles
Protect the Business You're Building
More employees, more trucks, and more jobs bring new exposures. We help you evaluate how your operations affect workers' compensation, commercial auto, and liability coverage, before an overlooked issue becomes an expensive surprise.
03
Growth & Renewals
Stay Ahead of What's Next
Bigger contracts and expanding operations change your insurance needs. We help you anticipate those changes, evaluate your options, and make informed decisions before the next opportunity, or renewal, arrives.
Start with the business problem.
Then discuss the insurance.
Tell us what's happening in your business. We'll discuss your operations, current insurance, and any contract requirements, then work together to identify practical next steps.
Why Thrive
Insurance is a business decision.
We treat it like one.
Thrive was founded in 2021 to help businesses navigate complex risks with clear, practical guidance. You work with an experienced independent advisor, not a generic call center. We start with how your business operates, clarify the insurance questions, and help coordinate next steps.
SOLVE.
OWN.
clarify.
Complexity. Solved.
John Czapko, Founder of Thrive Insurance Group
Before you reach out
Frequently asked questions
Do I have to switch insurance agents to talk with Thrive?
Not at all. We'll learn about your business, understand your concerns, and help you determine whether Thrive is the right fit. No pressure. No obligation.
Can you help when a GC or project owner has specific insurance requirements?
Absolutely. We help contractors navigate certificate requests, insurance requirements, and coverage questions that come with winning and managing projects. We'll help you understand what's required, what your current policies provide, and what options may be available. Any policy changes or endorsements are subject to carrier approval.
Is Thrive a good fit for my contracting business?
We work with Texas general contractors, remodelers, HVAC companies, electricians, plumbers, and specialty trades. Whether you're managing a growing operation or dealing with a specific insurance challenge, we'll start by understanding your business and determining how we can help.
How quickly can you help me get coverage?
We understand that insurance deadlines can affect jobs, contracts, and your ability to get to work. We'll help you identify what's needed and move the process forward as efficiently as possible. Coverage timing depends on underwriting, required documentation, and carrier approval.