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Proficiencies & Unique Risks

Proficiencies

Sanger & Altgelt brings deep expertise and strategic insight to a wide range of complex risk environments.
While we remain a trusted partner in the oil & gas sector, our services have expanded to support commercial real estate developers, flood-prone properties, and businesses facing emerging risks. Our clients, both businesses and individuals benefit from the scale, agility, and reliability made possible by our long-standing relationships with leading carriers and underwriters across the global insurance market. We go beyond coverage placement to help clients identify, assess, and manage risk with precision and confidence.
A cityscape of downtown San Antonio, Texas, featuring tall buildings, the Tower Life Building, and the Tower of the Americas under a clear blue sky. Trees and rooftops are visible in the foreground.
San Antonio anchors the rapidly expanding I-35 corridor, home to numerous Fortune 500 headquarters and one of the fastest-growing business regions in the U.S. The high demand for office, retail, industrial, and mixed-use spaces is accelerating across the state.

Sanger & Altgelt is proud to be a trusted partner to many of investors, developers, and real estate owners alike. Our experience also extends nationally, supporting clients across a range of commercial real estate projects in both established as well as emerging markets.
We bring a particular expertise in high-exposure sectors like professional and amateur sports, theater, special events, and the arts. Our team is fluent in assessing complex risk variables such as property value and size, project-specific characteristics, location considerations, income stream vulnerability, and exposure to hazards ranging from fire and liability to natural disasters.
Through direct relationships with many of the nation’s largest property insurers, we offer full property coverage for developments of all sizes, as well as essential ancillaries like general liability, landlord insurance, bonds, and customized coverage extensions tailored to your risk profile.
Silhouette of an oil pumpjack against a colorful sunset sky, with orange and purple clouds stretching over a flat landscape.
Sanger & Altgelt is a market leader in energy and oilfield risk advisory services especially in the Gulf Coast energy corridor. From drilling and production to refineries and environmental liabilities, we support well-service contractors, pipeline operators, vessel and utility companies, and petrochemical facilities. With nearly $2 billion in offshore asset coverage alone, we have the ability and expertise to advise clients nationwide by managing complex exposures with tailored property, liability, business interruption, and clean-up insurance solutions.
A person in camouflage gear crouches in tall grass, holding a rifle and pointing ahead, while a brown dog stands beside them. Trees and greenery are visible in the background.
Texas is renowned for many different types of game hunting in various geographic regions such as the Hill Country to South & West Texas. We provide general liability and accident coverage for hunters, shooting clubs, ranches, and landowners alike. This can include liability for ranches that are outfitted with hunting accessories like ATVs, guns and ammo, deer blinds & stands, water and aircraft and more. While our local expertise runs deep, our clients who offer and provide hunts on their land, span across state lines. We can develop policies that address diverse terrain, regulations, and exposure variables wherever you may own land.
Aerial view of a suburban neighborhood with neat houses, tree-lined streets, green lawns, and clear blue sky in the background.
With booming growth and high demand for multifamily housing, our team delivers development insurance programs both in Texas and also out-of-state markets. We can coordinate coverage for products like builder’s risk policies, property, liability, contractor, and environmental exposures while balancing local code compliance. Wherever you are breaking ground, we can help secure your investment before your project even gets started.
longhorn steer
Sanger & Altgelt is one of Texas’s leading providers of farm & ranch insurance, we understand rural exposures, from land, crops, and livestock to machinery and related liability. We design custom coverages based on each operation’s unique risk profile. Our clients range from local family ranches to larger farming operations. We deliver scalable solutions built around your acreage and geographic region as well and your coverage goals.
Silhouetted crowd cheering with raised arms at an indoor sports event, with a brightly lit court and out-of-focus audience in the background.
Serving professional and amateur sports teams, theaters, event venues, rodeos, museums, and arts organizations, the team at Sager & Altgelt design insurance programs that address operational risk, contractual liability, and property exposures. From inspections and audit services to safety training and weather modeling, our clients depend on us for both coverage and consultation that mitigate events before they occur.
Several beach houses with light-colored exteriors sit behind sand dunes and grass under a cloudy sky.
As severe weather intensifies, coastal properties including higher-value homes face growing risks. We offer private flood insurance and alternative coverage to FEMA-based NFIP policies. While we maintain strong recognition in Gulf Coast markets like Texas and Louisiana, we also support coastal clients across the U.S. with flood, windstorm, property, and ancillary coverage solutions.
Close-up view of a private jet’s engine and tail, with sunlight reflecting off the aircraft and a bright sky in the background.
Whether private, corporate, or drone-based, our aviation clients receive personalized coverage thanks to strong carrier relationships and underwriting expertise. We offer property damage, general liability, products, hull, and non-owned aircraft liability tailored to fixed-wing, rotary-wing, UAS/UAV, and commercial fleets across all U.S. jurisdictions.
Two-story house with red brick and beige siding, large windows, and peaked roofs, surrounded by landscaped gardens, green lawn, and a driveway with a black car parked near the garage.
Choosing personal insurance involves trust, clarity, and care. With decades of experience and an expanding national client base, we deliver consultative coverage packages including home, auto, life, cybersecurity, travel, and global umbrella policies. We offer coverage that includes preventive loss control, identity theft monitoring, safety planning, and responsive claims advocacy, all designed to provide peace of mind for you and your family.
Two construction workers in safety vests and helmets stand at a building site, discussing blueprints while looking at an unfinished structure in the background during sunset.
From commercial builders and subcontractors to artisans and specialty trades, we provide insurance solutions like: Contractors Pollution Liability, Environmental and Professional Liability coverage. We understand project-specific exposures such as environmental, workmanship defects, drone operations, faulty installation, and aggregate risk across multi-state portfolios. Our team identifies critical risk variables, then designs policies that protect the trade and the bottom line.

Unique Risks

Rooted in Texas and attuned to innovation, Sanger & Altgelt understands the evolving landscape of today’s business and cultural climate. From the I-35 corridor to international markets, we provide forward-thinking insurance and risk management solutions tailored to emerging industries and complex exposures. Our team brings a consultative, detail-oriented approach to clients involved in everything from biotech, sustainable energy, and craft breweries to digital assets, CBD, and crypto mining. Whether you’re preserving a historic property or launching a biomedical startup, we design specialized insurance programs to protect what matters most, now and into the future.
Large stainless steel fermentation tanks lined up inside a brewery with wooden beams visible on the ceiling above.
From family-owned wineries to up-and-coming craft breweries, the Texas Hill Country is home to a vibrant and diverse beverage industry. As the state’s largest viticultural region – and one of the most active tourism areas in the country – this niche market blends tradition, innovation, and rapid growth. With evolving regulations, rising litigation, and complex risk exposures, these businesses face unique challenges. At Sanger & Altgelt, we bring the experience and flexibility to protect every aspect of their operations, from property and liability to income, safety, and brand reputation.
The Alamo mission in San Antonio, Texas, is shown at sunrise with a cloudy sky, stone facade, arched doorway, and a flagpole on the left, surrounded by trees and green grass in the foreground.
Texas is rich with historic architecture, and San Antonio alone is home to hundreds of buildings listed on the National Register of Historic Places. At Sanger & Altgelt, we’ve developed the specialized expertise needed to navigate the complex underwriting challenges these treasured structures present. From nuanced valuation metrics and evolving building codes to sustainability standards and subjective appraisals, we help you accurately assess risk and build tailored coverage. Our goal is to protect not just your investment—but the legacy and heritage your property represents.
A large cargo ship loaded with multicolored shipping containers is docked at a port, with cranes and more containers visible on the dock under a cloudy sky.
At Sanger & Altgelt, we have deep experience helping businesses manage financial risk and insurance needs across international borders. We work with companies to navigate the complexities of global operations, addressing regulatory challenges, cross-border liabilities, and jurisdictional compliance. From evaluating exposures and reviewing tax implications to placing coverage and managing policy terms, we deliver strategic support to help you operate with confidence on a global scale.
People working together at a table with laptops and documents. One person writes on paper, another holds a tablet, and a third gestures with a pen, suggesting a business meeting or collaborative discussion.
Captive insurance is an increasingly valuable option for middle-market and larger companies looking to reduce costs, insure hard-to-place risks, and access reinsurance markets directly. At Sanger & Altgelt, we’ve built and managed captive programs for a wide range of clients, supporting both concentrated and diversified risk profiles. Our team helps businesses navigate the legal, regulatory, and tax considerations involved in establishing and maintaining captives, while also writing policies tailored to their needs. Whether you’re exploring group captives for workers’ compensation or transferring risks like product liability, D&O, or fleet exposure through reinsurance, we provide the guidance and expertise to help you evaluate and implement the right solution, including large-deductible policy options that can further reduce risk-related costs.
Two men focused on a computer screen, with lines of code superimposed over the image, suggesting they are working on programming or software development.
Central and South Texas have become national hubs for life sciences, cybersecurity, and emerging technology, sparking rapid growth in startups and innovation-driven enterprises. At Sanger & Altgelt, we understand that these evolving business models require flexible, forward-thinking insurance solutions. From biotech to IT, tech startups face heightened exposure to liability, intellectual property disputes, and executive risk. Our team designs tailored coverage to address those challenges—protecting founders, directors, and investors alike. With the right insurance program in place, you can stay focused on financing, innovation, and growth.
A historic stone building with tall arched entrance, flanked by leafless trees and colorful banners. Electric scooters are lined up on the sidewalk in front of the building.
Museums present unique insurance challenges, most notably, the high value and complexity of the collections themselves. At Sanger & Altgelt, we understand the specialized variables involved in insuring artifacts, exhibits, and loaned items, where subjective appraisals and shared responsibilities can complicate coverage. We also account for museum-specific risks, including fire protection, climate control, theft, and liability exposures related to both staff and visitors. Our team works closely with museum administrators to develop tailored insurance programs that protect not only the physical assets, but also the institution’s mission and reputation.