High Risk Insurance Brokers
Global Reach. Local Touch.
Unapologetic Service – Relentless Dedication
GrayStone Insurance Group
At GrayStone Insurance Group, we do more than write policies — we redefine what’s possible for high-risk and hard‑to‑place businesses. Headquartered in Austin, Texas, with offices in Dallas, Houston, San Antonio, Tampa, Denver, and New York, our nationwide presence empowers us to deliver global expertise grounded in local insight.
Our mission is simple: to protect what others deem uninsurable. For over 15 years, we’ve built our reputation on integrity, innovation, and an unwavering commitment to our clients’ success.
Our Promise: Beyond the Policy
When most agencies hesitate, we lean in. High-risk coverage demands creativity, precision, and nerve — traits that define who we are. GrayStone operates on a philosophy we call “unapologetic service” — a relentless dedication to finding solutions even in the most complex risk landscapes.
-
Experience and Reach: Over $500 million in premiums placed across 50 states and multiple global markets.
-
Client Retention Rate: 94% — a reflection of the trust we’ve earned through transparent relationships and results-driven advocacy.
-
Expertise: Our brokers average 20 years of industry experience, bringing deep market knowledge and negotiation prowess to every policy.
Defining Key Terms:
-
High-risk coverage: Insurance for businesses with elevated exposure to potential losses, such as those in hospitality, manufacturing, or transportation.
-
Hard-to-place risks: Accounts that traditional carriers decline due to complexity, claims history, or regulatory challenges.
We see these not as barriers, but as opportunities for innovation.
Learn MoreIndustries Served
Every industry has unique risks — and we understand the nuances behind them. Our tailored policies protect businesses across sectors that form the backbone of the U.S. economy.
-
Restaurants & Bars: Liquor liability, general liability, and property coverage designed for the fast-paced service sector.
-
Live Music Venues & Nightlife: Specialized coverage for crowd management, event liability, and performance cancellation.
-
Commercial Property & Habitational Development: Risk mitigation for multi-unit dwellings, builders, and property managers.
-
Hotels & Motels: Comprehensive protection from guest liability to cyber risks.
-
CBD & Hemp: Regulatory-compliant coverage supporting one of America’s fastest-growing industries — projected to exceed $16 billion by 2028 (Grand View Research).
-
Contractors & Manufacturing: Safeguarding operational continuity, product liability, and worker safety.
-
Marine & Charter: Coverage designed for fleets navigating both coastal and inland waters.
-
Commercial Trucking & Off-Road Shops: Insurance that keeps critical logistics moving — essential in a sector responsible for 72% of U.S. freight (American Trucking Associations, 2024).
Each sector benefits from our consultative process — where our team evaluates operational risks, regulatory requirements, and emerging exposures before crafting a bespoke coverage strategy.
Innovation and Competitive Edge
GrayStone’s advantage lies in our data-driven underwriting intelligence and specialized carrier partnerships. Unlike traditional agencies that rely on standardized underwriting, we integrate AI-powered risk modeling and real-time market analysis to deliver precision pricing and faster placements.
Built on Integrity. Driven by Results.
Since day one, GrayStone Insurance Group has operated by one principle: your business deserves the same care as our own. We work tirelessly to secure optimal coverage, eliminate uncertainty, and empower confidence through every policy.
Speak with a GrayStone advisor today and discover how our expertise turns complexity into clarity.
Frequently Asked Questions
1. What types of businesses does GrayStone Insurance Group specialize in? We focus on high‑risk and hard‑to‑place industries such as hospitality, nightlife, construction, manufacturing, commercial trucking, marine operations, and emerging sectors like CBD and hemp.
2. What does “hard-to-place” mean in the context of insurance? Hard-to-place refers to businesses or risks that traditional carriers often decline due to factors such as complex regulatory requirements, high claims history, or unique operational hazards.
3. Does GrayStone operate nationally or only in Texas? While headquartered in Texas, we are licensed to provide coverage in all 50 states and have offices in Austin, Dallas, Houston, San Antonio, Tampa, Denver, and New York to support nationwide clients.
4. How does GrayStone’s RiskMatrix™ platform benefit clients? RiskMatrix™ is our proprietary risk analysis tool that identifies coverage gaps, forecasts emerging exposures, and helps us secure more competitive and tailored policies efficiently.
5. What makes GrayStone different from other insurance agencies? We combine over 15 years of high-risk industry expertise, data-driven underwriting, exclusive carrier partnerships, and an unwavering commitment to integrity and client advocacy.
6. Can you customize policies for niche industries like live music venues or off-road repair shops? Yes. We tailor coverage to the specific needs of niche markets, factoring in their unique risk profiles to ensure comprehensive protection.
7. How do I start the process of getting coverage? Simply contact one of our offices or submit an inquiry via our website. Our team will conduct a risk assessment and work with you to design a policy that fits your specific business needs.