A Different Approach With Different Results.

Welcome to J & H Insurance, a member of the K&S Group of Texas.


We bring understanding to an industry based on words.  With a carefully chosen staff of knowledgeable, client-focused individuals, we actually make insurance come to life.  With many years of experience in handling "tough to insure" classes of business, our staff rises to the challenge of finding the right carriers and polices to go with your exposures.  Our charge is to bring the most value to your insurance dollar as possible, not to bring you the cheapest insurance you can buy.


There is a big difference........What do you really want?


Lines of Coverage:

• General Liability

• Workers Compensation

• Professional Liability

• Cost of Well Control

• Property, Business Interruption

• Farm & Ranch

• Inland Marine Contractors


    Builders Risk

• Wet Marine

    Boats & Barges

• Surety

• Crime

• Life & Health

• Employee Benefits

• Complete Personal Lines



Heart of Texas Accident & Health Underwriters

J & H Insurance and Consulting Services

510 N. Valley Mills Drive    Suite 701

Waco, TX 76710


Waco TX Insurance, Clifton TX Insurance, Waco commercial insurance, Waco farm and ranch insurance, Waco Business Insurance, Oil & Gas Insurance, Construction Insurance, General Liability, Workers Compensation, Professional Liability, Cost of Well Control, Property insurance, Business Interruption insurance, Farm & Ranch, Inland Marine Contractors, Equipment Insurance, Builder’s Risk Insurance, Wet Marine Insurance, Boat Insurance, Barge Insurance, Surety bonds, Crime Insurance, Life Insurance, Health Insurance, Employee Benefits Insurance, Personal Lines Insurance,  Clifton Auto Insurance, Clifton car insurance, Clifton home owner insurance, workers compensation insurance, umbrella insurance policies,  manufacturing insurance, distribution insurance, key man insurance, Insured and self-funded health plans, ACA compliance, group life insurance, AD&D, dental plans, vision plans, worksite benefits, short and long term disability plans, crop insurance, livestock insurance, Texas, TX, Waco, Temple, West Texas, Dallas, Ft. Worth, Austin, Houston, San Antonio, jewelry insurance, art insurance, estate planning, personal insurance,

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