Business Insurance in Texas

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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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Find policies for your profession

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

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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
View Small Business Insurance Costs

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.

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