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Insurance for lawyers in Texas

Learn about business insurance requirements and the most common policies for lawyers in Texas.

Which policies are required for lawyers in Texas?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by lawyers in Texas, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

State law in Texas doesn’t require any businesses to provide workers’ compensation insurance. If an employee is injured, however, this insurance will help your business cover medical bills and lost wages.

Businesses that own a vehicle must purchase commercial auto insurance and meet state requirements for auto liability coverage.

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What are the most common insurance policies for Texas lawyers?

Texas lawyers most often buy these insurance policies. You may need some or all of these policies depending on the specifics of your business, such as the number of employees and requirements outlined in contracts and leases.

Business owner’s policy icon

Business owner's policy (BOP)

A small law firm might qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability insurance at an affordable rate.

General liability insurance icon

General liability insurance

General liability insurance is the foundation of a lawyer’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.

Workers’ compensation insurance icon

Texas workers' compensation

If you own a law firm in Texas, you are not required to carry workers’ compensation coverage – no matter how many employees you have. Workers’ comp will, however, help you pay the medical bills and lost wages of an injured employee, often saving a business money in the long run.

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Commercial auto insurance

Commercial auto insurance is required for business-owned vehicles, while hired and non-owned auto insurance (HNOA) covers vehicles that your business uses but does not own. This policy covers the cost of accidents involving a law firm's vehicle, including property damage and medical expenses.

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Cyber liability insurance

Cyber liability insurance helps lawyers survive costly data breaches and cyberattacks. This policy can help pay for client notification costs, credit monitoring services, and other related expenses.

How much does insurance cost for Texas lawyers?

According to Insureon's customer data, the typical lawyer in Texas can expect to pay close to the national median premiums for business insurance.

For example, the median annual cost of a business owner’s policy for a lawyer in Texas is $1,000, exactly the national median. On the other hand, the median annual premium for workers’ compensation insurance for Texas lawyers is $821, much less than the national median of $1,054.

Median insurance costs for Texas lawyers.

Save time and money with Insureon

Insureon’s industry-leading technology helps lawyers in Texas save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Texas and can answer your questions as you consider coverage.

To make the application go quicker, have this information ready:

  • Workforce details, such as the number and types of employees
  • Current and projected revenue
  • Business partnerships
  • Insurance history and prior claims
  • Commercial lease insurance requirements

Apply for free insurance quotes for lawyers today.

Updated: May 3, 2022
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