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Business Insurance in Texas
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Recommended insurance policies for small businesses in Texas
General liability insurance
This type of business liability insurance is important for all Texas businesses. It covers common third-party risks, and it's required by most commercial leases.
BEST FOR
- Customer bodily injuries
- Personal injuries
- Advertising injuries
Professional liability insurance
Professional liability insurance coverage protects professional services businesses from legal costs related to work performance. It's also called errors and omissions insurance or E&O.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy covers financial losses from data breaches and cyberattacks. It's recommended for Texas businesses that handle credit card numbers and other sensitive data.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data breach investigations
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Texas business.
BEST FOR
- Slip-and-fall injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
Workers’ compensation insurance is recommended for Texas businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
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 vehicles
- Theft of a commercial vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
Texas business insurance requirements
State laws can affect which business insurance coverage you need. These policies are required everywhere in Texas, from Houston to San Antonio.
Workers' compensation insurance
Texas law is different from most other states because it doesn’t generally mandate workers’ compensation insurance. However, this coverage is still recommended for most business owners. Companies that contract with government entities are required to have coverage.
Workers' comp helps pay for medical costs and partial missed wages from a work-related injury or illness. It also limits the employer's liability in the event of a workplace injury.
Commercial auto insurance
All business-owned vehicles in Texas must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.
Texas' minimum requirements for auto liability insurance are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to a commercial general liability insurance policy or a business owner's policy (BOP).
How much does small business insurance cost?
Commercial insurance can be affordable for Texas small business owners. Factors that influence the cost include:
- Type of business and its risks
- Business operations and location
- Number of employees
- Types of insurance purchased
- Policy limits and other coverage options
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Find the right policies and get your certificate of insurance
Insureon's licensed agents can help you find policies that fulfill Texas' requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Texas, insurance agencies, agents, 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.