Welcome to Sandy Garza and Associates

Commercial and Business Insurance in Dallas and San Antonio, TX

Insurance Solutions Tailored to Texas Residents and Businesses

Reaching your destination for adequate insurance coverage is often a long and winding route. Without proper navigation, confusion can arise concerning the purchasing and implementation of a policy.

Agents at Sandy Garza & Associates have been guiding clients with comprehensive insurance services since our agency was founded in Garland, Texas in 1993. Since this start, our location has changed to nearby Richardson; however, the pride we take in serving individuals and businesses in the surrounding Dallas-Fort Worth region has not altered.

We are confident in our ability to provide the insurance protection Texans deserve. After all, we know insurance. 

Reliable Insurance Coverages

In order to develop the most fitting policy, agents take time to map out coverages on a one-on-one basis with clients. Dedicating time to properly review current coverage, as well as determine specific needs leads to a personalized, cost-efficient solution right off the bat. Serving as an active partner, we assist clients throughout this process, making recommendations based on requirements.

Our goal is to educate clients on the risks they face – either personally or within their business endeavors. We address these exposures with an insurance product built to solidify protection against associated financial burdens. These quality insurance products are an outcome of our relationship with established providers, such as Nationwide Insurance, Utica National Insurance Group, and The Hartford. For clients, this partnership translates into a personalized policy, designed by our agents, which is backed by reliable coverage.

As business owners ourselves, we understand the impact these coverages can have on Texas enterprises. From restaurateurs to specialty trade contractors, our business insurance program can be customized to fit specific industries. Business practices differ greatly across trades, and an insurance policy should reflect these variations. Our agents also are specialized in property and casualty, as well as financial services.

The business insurance program we institute contains essential coverages such as commercial property insurance, commercial general liability coverage, and crime insurance. For small to medium-sized businesses, agents traditionally recommend a business owners policy (BOP), which combines these critical offerings. Additional coverages presented include commercial auto insurance, errors and omissions (E&O) insurance, directors and officers (D&O) insurance, as well as workers compensation coverage.

Accessible Agents Protecting Your Assets

Along with a direct partnership with an agent, clients have accessibly to our entire team of licensed professionals. These individuals are trained and ready to help. If your agent is out of the office, others are more than willing to make sure your expectations are met. If an emergency instance occurs beyond traditional business hours, our claims and service department is available 24 hours a day, seven days a week.

Many business owners require certificates of insurance or additional service after a policy is in place. We offer an entire department of professionals dedicated to servicing those needs.

This accessibility extends beyond the scope of insurance services. As a local agency, our staff is comprised of individuals with close personal ties to the surrounding Richardson community. We’re also heavily involved in the community as an agency, supporting organizations such as:


For more information regarding our community commitment and insurance guidance, contact our agency at your convenience. When you’re prepared to start planning a policy, request a quote.

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Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.