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Small Business Insurance in Texas

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Recommended insurance policies for small businesses in Texas

General liability insurance

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General liability covers common risks for small businesses in Texas, including customer property damage and injuries. Commercial leases often require this policy.

  • Customer injuries at your company
  • Damaged customer property
  • Copyright and defamation lawsuits

Errors and omissions insurance

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This policy is also called E&O or professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.

  • Work errors and oversights
  • Professional negligence lawsuits
  • Late or incomplete work

Cyber liability insurance

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This policy protects Texas small businesses against data breaches and cyberattacks that affect your business or a client.

  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs

Business owner’s policy

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A BOP bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Texas small business.

  • Customer injuries
  • Damaged customer property
  • Damaged business property

Workers’ compensation

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Though it's not required, many employers in Texas choose to carry this coverage for the important protection it offers. It can cover medical costs for work injuries.

  • Employee medical expenses
  • Wages lost while unable to work
  • Lawsuits over employee injuries

Commercial auto insurance

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This policy is required for vehicles owned by Texas small businesses. It covers injuries and property damage in an accident, along with other types of damage.

  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle

Looking for different coverage? Check out our other policies.

What are the insurance requirements for small businesses in Texas?

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

Unlike most other states, Texas does not require businesses to carry workers’ compensation insurance, but many employers choose to carry this coverage to protect themselves and their employees. This policy covers medical bills for work injuries and illnesses. It also protects employers from lawsuits alleging their negligence led to an injury or illness.

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Commercial auto insurance

Vehicles owned by small businesses 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.

How much does small business insurance cost?

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

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for Texas IT and technology professionals

Our agents are experts in insurance for Texas technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the Texas Department of Insurance 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 Department of Insurance by entering our license number in the Agency License Search field.