We can help you navigate protecting your home, car, or business.

  1. Home
  2. Business Insurance

Business Insurance Texas

Embarking on a business journey can be thrilling yet daunting. As you acquire valuable assets and recruit dedicated teams across Houston and its neighboring regions, it is crucial to ensure the safeguarding of your investments. Fortunately, we’re here to provide you with unmatched security solutions that will empower your company towards a thriving future.

What is Business Insurance?

Business insurance protects your enterprise from any unexpected costs and accidents, from property theft and vandalism to financial losses relating to slander and libel. Pivotal for small businesses, it covers you for costs that could otherwise bankrupt your company, whether your van gets into an accident or there is a break-in at your premises. 

Why Get Business Insurance?

Texas is a state with a comparatively high percentage of natural disasters and road accidents, both of which can seriously impact your commercial property and vehicles. On top of this, businesses face further financial risks from lawsuits, small injury claims, while those with large inventories are often the target of theft.  Policies from commercial property insurance to injury liability can help you get back to business quickly after any unexpected surprises. 

What Are the Different Types of Business Insurance?

There are lots of different types of commercial insurance. Depending on the type of business you own, you may need one, two, or several policies. New business owners should always speak to an insurance professional to get the best level of protection. A brief outline of the various types can be found below.

  • Commercial Property Insurance 

Those who rent or own property such as a store, restaurant, or office space, should purchase commercial property insurance, which protects against damage, destruction, and theft, including assets and inventory.

  • Commercial Auto Insurance 

Any vehicle that is used for business purposes must have insurance (separate from personal auto insurance) to cover things like injury liability, collisions, fire and theft. Liability coverage is required by law.

  • Commercial Liability Insurance 

Business liability insurance offers protection against unexpected financial losses, whether they are the result of injury, libel, or the damage or loss of property. There are several different types depending on your needs.

  • Worker’s Compensation 

Worker’s compensation provides financial aid for any accidents that happen on the job, including staff medical bills, lost wages, and legal liability. It protects you from serious injury claims that could bankrupt your blossoming business. 

Speciality Coverages

  • Licensed Daycare Centers
  • Health and Fitness Services
  • Alarm Installation Contractors
  • Pest Control Operators
  • Personal Care Services including Beauticians and Barbers
  • Craft Beverages including breweries, wineries, distilleries, and cideries

Is Business Insurance a Legal Requirement in Texas?

While Texas law doesn’t mandate obtaining business insurance, safeguarding your enterprise from potential mishaps is highly recommended by experienced entrepreneurs. Worker’s compensation becomes necessary when collaborating with government agencies, and vehicle-related operations require liability insurance. Consult with a specialist to identify the optimal insurance for your unique business requirements, ensuring the preservation of your hard-earned efforts in case of unexpected incidents.

How much is Business Insurance in Texas?

This all depends on the type of business insurance you need, the size of your company, as well as your typical turnover and profits. All of the different types of policies can be very confusing for a first-time business owner, which is why it’s best to speak to one of our experienced agents, who can advise you on the best value solution for your needs.

Providing commercial insurance in and beyond, our experts offer in-depth local knowledge and five-star customer service.

Ready to Benefit From Decades of Expertise?

Connect with us now to access tailored advice from skilled agents dedicated to crafting ideal policy solutions for you. Leveraging our extensive network as an insurance broker, we guarantee prompt and adaptable service without sacrificing your needs.