Expertly crafted policies

Specialized Insurance
Solutions for the

Construction
Industry

With flexible solutions, industry expertise and innovative
technology, we can help protect your construction business
from a variety of risks.
Learn More
Slide

Expertly crafted policies
With flexible solutions, industry expertise and innovative
technology, we can help protect your construction business
from a variety of risks.
It’s time for you to experience the
next level of insurance
Specialized Insurance
Solutions for the
Next Level Service
Construction
Industry
Learn More
Learn More

Dominique Renaud –

President –
Core Business Insurance Agency, Inc.

It’s time for you to experience the next level of insurance service
  • There are many different roles that a great insurance agent should play, and service should not stop when your policies go into effect
  • From Pre-market to Post-market, I am dedicated to providing you with the level of service you deserve, but may not even know you need
  • See what the next level of insurance service is all about

Dominique Renaud – President – Core Business Insurance Agency, Inc. 2025.

Some highlights

Over 30 years of experience helping various businesses navigate complex insurance requirements in Houston

Senior Vice President of Sales with Assured Partners of Houston, LLC 2019-2024.

President of Houston Business Insurance from 2003 – 2019

Owner of Dominique Renaud Insurance Agency from 1990 – 2007

Certified Marine Insurance Professional CMIP - Certified Marine Insurance Professional

Specializing in complex insurance needs for a variety of industries

Pre-Market to Post-Market

Pre-Market

  • Understand you
  • Understand your business
  • Determine your risk tolerance
  • Determine your business’ risk tolerance
  • Analyze your current insurance program and discuss the results with you
  • Build the proper narrative presenting your account at its best
  • Research Potential markets
  • Understand risk remediation procedures
  • Analyze loss runs
  • Analyze your experience modifier
  • Understand what you do from a safety standpoint so that it can be communicated to the underwriters
  • Understand the type of insurance requirements that you are exposed to
  • Understand risk transfer methods that you are using with vendors, subcontractors, or tenants

Market to Insurance Markets

  • It is important to have a plan prior to sending a submission to various insurance companies so that we do not lose opportunities with insurance companies that would have offered a great solution
  • Discuss first with the various underwriters and insurance companies your operation to understand the possible objections from underwriters
  • Understand the concerns prior to sending the submission and discuss them with you
  • Formulate a plan to address these objections so that we can have the best market spread
  • Present your account to the insurance carriers that matter, showing your company at its best
  • Manage perceptions of the risks entailed with your business
  • Let the underwriters know what you do from a risk control standpoint
  • Let the underwriters know what you do to avoid the repeat of the same future claims

Post-Market

  • General Liability and Worker’s Compensation Audit assistance
  • Loss Control preparation first, then managing demands of insurance companies
  • Analysis of the Experience Modifier
  • Analysis of the Claims going back 5 years
  • Replacement cost Calculation- Will be needed to make sure that the correct values are indicated – can be intricate
  • Analysis of Insurance sections in contracts that you must sign with your clients
  • Certificate and/or Policy Checking of subcontractors, vendors, or tenants
  • Many vendors/subcontractors/tenants are often uneducated about the insurance coverage that they purchased, which can result in claims or suits moving up the ladder to either your insurance or your business.
  • What is important for your company and should be checked
  • Checking Certificates and/or policies as per your decision (Inspect what you expect)
  • Managing Expiration dates via a system called DocuTrax
  • Discuss problems with your expectations of what the subcontractors should be insured with
  • ISO Rates and construction checking- ISO rates all buildings and they can make mistakes (Not giving the sprinkler credits, rating the building on the wrong construction; using the wrong protection classification; etc.)

Next-Level Service

Beyond standard agency
Dominique offers a level of service that begins before marketing your needs to providers and extends well beyond when your policies are issued


It is critical the underwriters see your business in the best light possible. They need to understand what you do, what you don’t, and how you mitigate risks.


Many contracts and leases contain insurance requirements. Dominique helps his clients understand the requirements and assess their compliance with them.


Is your business taking the appropriate steps to avoid risks? Just as important, are these correctly communicated to the underwriters?


Do contractors or subcontractors working for you, or tenants leasing space from you, have the appropriate insurance in effect? Are their policies current? Do their insurance policies fulfill your contract or lease commitments? Is your experience modifier correctly calculated?


Your experience modifier can positively or negatively impact your premiums and whether or not you are eligible for contracts. Dominique can analyze and help you manage your experience modifier to better reflect your actual risks.


Annual Worker’s Compensation or General Liability or Rented Equipment Audits are a required component of business insurance. The right preparation can make all the difference and avoid overpayments of premiums.


Claims happen, but how you respond to them and how you mitigate future risks can be critical. Dominique Renaud provides a detailed and thorough claims review system that - Identifies where losses are coming from and - Saves money by reducing needlessly high reserves.


There are many actions you can take to minimize losses, both the frequency and the severity. Are the underwriters aware of everything you do from a safety perspective?

Industries who can benefit

most from Next Level service

Dominique’s Ideal Client

The ideal client for Dominique’s Next Level Service

  • Annual business insurance premiums of $100,000 to $10,000,000 (including all policy types)
  • An interest in verifying that their policies are a good fit with their risk tolerance
  • The willingness to invest the necessary amount of time to provide the information needed for a thorough analysis and great narrative.
  • Determined to earn best-in-class insurance terms, conditions, and premiums
  • Interested in quality and a long-term relationship with a trusted advisor
  • Interested in running a business as safely as possible.
  • Concerned about their employees and the protection of their business
  • Interested in proper risk transfer (Inspect what you expect) and therefore making sure that subcontractors/vendors/tenants have the proper insurance
  • Willing to listen and understand the objections of underwriters to enable insurance solutions

Contact Dominique

Phone: 713-242-1296
Email: dominique@cbia.agency
Dominique on Linkedin
Core Business Insurance Agency, Inc.
3718 Mt Vernon St, Houston, TX 77006
Dominique & Core Business Insurance Agency, Inc.