Insurance That Works as Hard as You Do

When you work with me, you’re not getting handed off to a call center or a junior agent. You’re working directly with Kemp Nicholas, CPA — a licensed Texas Property & Casualty and Life & Accident & Health agent with
over 30 years of financial experience.

That background matters. Most insurance agents sell policies. I analyze risk.

What I Offer

Commercial & Personal Property Insurance
From investment properties and commercial buildings to your primary residence, I shop the market to find coverage that actually fits — not just the cheapest quote that leaves gaps when you need it most.

Business Liability & Specialty Lines
Operating a business comes with exposure most owners don’t think about until it’s too late. I help identify those blind spots and match you with carriers who understand your industry.

Life & Accident / Health Coverage
Whether you’re protecting your family or structuring coverage for key employees, I bring a CPA’s lens to life insurance — including strategies like Indexed Universal Life (IUL) policies that blend protection with long-term wealth accumulation.

Why My Approach Is Different

Most people buy insurance and forget about it. I treat every policy as a piece of a larger financial picture.

Because I also work in commercial lending and CFO advisory, I see things other agents miss — cash flow implications, lender requirements, coverage gaps that affect your ability to close a deal or protect an asset.

When you’re in the middle of a loan transaction, an acquisition, or a business expansion, the last thing you want is an insurance issue slowing you down or costing you money. I coordinate all of it.