Waco

7528 Bosque Blvd, Waco, TX 76712

Monday - Friday: 8:30am - 5:00pm

Your Local Waco Insurance Agency

Welcome to Higginbotham in Waco, your trusted partner for insurance and employee benefits solutions. At Higginbotham, we believe in delivering tailored services that meet the unique needs of each of our clients. With a commitment to transparency and putting people first, we strive to provide personalized and values-driven service. Our team offers a full spectrum of services, from personal and business insurance to employee benefits, helping to ensure that you’re covered in every aspect of your life.

Higginbotham entered the Waco market in 2006 and grew in 2009 through the acquisition of Sun Belt Insurance & Associates, Inc., which was founded in 1988.

In 2024, Ross Insurance Agency became a Higginbotham partner, and in 2025, the Ross Insurance team moved into our central Waco office and began doing business under the Higginbotham name.

Learn More About Higginbotham

What We Offer

Personal Insurance

Business Insurance

Employee Benefits

HR Services

Financial Services

Personal Insurance

Protecting your personal assets is essential, and our Higginbotham team in Waco is here to help. Our personal coverage options are designed to provide you with peace of mind, knowing that you and your loved ones are protected.

Portrait of young family in front of farmhouse

Home Insurance

Renters’ Insurance

Life Insurance

Father With Son And Dog Look From The Car Window

Car Insurance

Farm and Ranch Insurance

Recreational Vehicle (RV) Insurance

Man With Riding Sport Motorbike Taking A Curve

Motorcycle Insurance

Family On Sailing Boat Looking At Sunset

Boat Insurance

Flooded Guadalupe River San Jose, CA. 1 11 2017

Flood Insurance

An Asian Chinese Male Patient Recovering From His Leg Injury And Walking With Crutches In The Hospital

Personal Liability Insurance

Business Insurance

At Higginbotham, we understand the unique challenges that businesses operating in Waco and the surrounding areas face. Our business insurance solutions are designed to help protect your company from various risks, providing you with the security you need to focus on its growth and success.

Commercial General Liability: Help safeguard your business against claims of bodily injury, property damage and personal injury with general liability insurance.
Business Owners Package: Combine multiple coverages into one convenient policy with a business owners package.
Employment Practices Liability Insurance (EPLI): Protect your business from claims of wrongful termination, discrimination and other employment-related issues with EPLI coverage.
Commercial Auto Insurance: Cover your business vehicles with commercial auto insurance so your fleet and drivers are protected on the road.
Commercial Property Insurance: Safeguard your business property from risks like fire, theft and natural disasters with commercial property coverage.
Commercial Umbrella Insurance: Get additional liability protection for your business with commercial umbrella coverage, also known as excess liability insurance.
Errors and Omissions (E&O): E&O insurance is a form of professional liability coverage that can help protect your business from claims of negligence or mistakes.
Workers’ Compensation: Make sure your employees are covered in case of work-related injuries or illnesses with workers’ comp insurance.

Industry Specializations

Every industry has unique challenges and insurance needs. Our expertise spans a range of industries, including:

Waco Employee Benefits

We understand the importance and the cost of taking care of your employees. Our employee benefits solutions are designed to help you attract and retain top talent by offering comprehensive and cost competitive benefit packages. Our team will work with you to create customized plans that meet the unique needs of your workforce.

And, we back these plans up with services that include health and wellness programs, employee benefit communications, compliance support, an in-house employee response center and more.

Health Insurance

Help to ensure the well-being of your employees with our group health insurance plans which can help in offering comprehensive medical coverage.

Retirement Plans

Our 401(k) and retirement plans are designed to provide your employees’ future by equipping them with valuable savings and investment options.

Dental Insurance

By providing your employees’ with access to dental care through our dental insurance you can help your employees’ to maintain their oral health.

Vision Insurance

Our vision insurance plans can help to ensure that your employees have access to eye care services and also promoting overall wellness.

Disability Insurance

Protect your employees’ income with our disability insurance plans, which covers both short-term and long-term disabilities.

HRAs and Flex Benefits

Help your employees manage their health care expenses with a Health Reimbursement Account, which offers flexible spending options.

Life Insurance

Offer your employees peace of mind with our life insurance options, designed to help provide financial security for their families.

Long-Term Care

Help your employees financially when they need it most with long-term care (LTC) insurance.

Your Waco Insurance Partner

Choosing the right insurance partner is crucial for protecting your personal and business assets. Higginbotham is dedicated to providing you with personalized service and comprehensive coverage options. Our team of professionals is here to help you navigate the complexities of insurance by offering tailored solutions that meet your unique needs. Talk to a member of our team today and discover the Higginbotham difference.

Waco

7528 Bosque Blvd