General liability covers common risks for small businesses in Texas, including customer property damage and injuries. Commercial leases often require this policy.
This policy is also called E&O or professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
This policy protects Texas small businesses against data breaches and cyberattacks that affect your business or a client.
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.
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.
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.
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.
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.
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.