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Business Insurance in Texas

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Learn about Texas' insurance requirements

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What are the requirements for small business insurance in Texas?

State laws can affect which insurance policies you need for your small business. These policies are required for Texas businesses.
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Workers' compensation insurance

Texas is different from most other states because it doesn’t generally mandate workers’ compensation insurance. However, this coverage is still an appealing option for most business owners, as it can pay for medical costs and partial missed wages from a work-related injury or illness. Companies that contract with government entities are required to have coverage.

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Commercial auto insurance

All business-owned vehicles in Texas must be covered by commercial auto insurance. Texas requires a minimum of $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Texas

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General liability insurance

This policy is important for all Texas businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Libel or slander lawsuits
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Professional liability insurance

This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
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Cyber liability insurance

This policy helps Texas businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
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Business owner’s policy

This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Texas business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is beneficial for Texas businesses that employees. It can cover medical costs for work injuries and illnesses.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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Commercial auto insurance

This policy is required for business-owned vehicles in Texas. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Find policies for your profession

Photographers, nurses, and lawyers need different insurance coverage. Insureon offers policies for the following Texas professions and more:

Accountants
Architects
Cleaning businesses
Convenience stores
Dentists
General contractors
Hair salons

IT consultants
Lawyers
Nurses
Personal trainers
Photographers
Real estate agents
Tax preparers

Don't see your profession listed? Find more professions.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small Texas business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Texas business insurance

In Texas, insurance agents, agencies, and brokers are licensed by the Texas Department of Insurance. Insureon is licensed in Texas as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 1621975) and for surplus lines (license number 1624752). You can verify our licensure with the Texas Department of Insurance by entering our license number in the Agency License Search.

What our customers are saying
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