Get a business insurance quote in minutes
Compare coverage and pricing from top-rated carriers — free, no commitment.
Compare Quotes →Business insurance in Texas
Texas small businesses should compare contract requirements, commercial auto exposures, property risks, and industry-specific insurance needs. State requirements can change, and rules may differ by employee count, industry, vehicle use, ownership structure, and professional licensing. Use this page as a research checklist before speaking with a licensed agent or checking state resources.
Coverage to review
Review whether Texas laws, contracts, leases, or client requirements make this coverage important for your business.
Review whether Texas laws, contracts, leases, or client requirements make this coverage important for your business.
Review whether Texas laws, contracts, leases, or client requirements make this coverage important for your business.
Review whether Texas laws, contracts, leases, or client requirements make this coverage important for your business.
Review whether Texas laws, contracts, leases, or client requirements make this coverage important for your business.
Review whether Texas laws, contracts, leases, or client requirements make this coverage important for your business.
Questions to ask before buying
- Do I have employees, owners, officers, or contractors who affect workers compensation obligations?
- Do I use vehicles for business, deliveries, jobsites, or client visits?
- Do clients, landlords, vendors, or licensing bodies require proof of insurance?
- Do I own tools, inventory, tenant improvements, or equipment that should be protected?
Suggested official resources
Check your state insurance department, workers compensation agency, secretary of state, licensing board, and local business resources before making compliance decisions. Requirements and agency names vary by state.
Quote preparation for Texas businesses
Prepare a short business description, NAICS or industry category if known, owner/officer information, employee count, payroll estimate, annual revenue, business property values, vehicle details, lease requirements, customer contract wording, and any prior insurance claims. If you operate in multiple states, ask how coverage and workers compensation rules apply across locations.
Frequently asked questions
Is workers compensation insurance required in Texas?
Texas is the only state where private workers comp is optional for most employers, but non-subscribers must file with the state, post notices, and lose key legal defenses if an employee is injured.
What commercial auto liability limits does Texas require?
Texas requires $30,000 per person, $60,000 per accident bodily injury, and $25,000 property damage. Most business contracts and commercial leases require $1M combined single limit.
Does Texas require general liability for businesses?
No statewide requirement, but commercial leases, city licenses, and client contracts in Texas almost universally require it. Contractor licensing requirements vary by city and trade.
How does the Texas hailstorm risk affect commercial property insurance?
Texas property policies often carry separate wind/hail deductibles, sometimes 1 to 2 percent of insured value, and some carriers limit roof coverage to actual cash value rather than replacement cost. Roof condition is a major underwriting factor.
Do Texas non-subscriber employers need any injury coverage?
Most non-subscribers buy an occupational accident or employer indemnity policy to handle medical and indemnity costs from on-the-job injuries. These are not workers comp and offer different protections.
Where can Texas businesses verify insurance requirements?
The Texas Department of Insurance (TDI) regulates carriers, the Division of Workers' Compensation oversees workers comp, and TexasOnline lists state-issued license requirements by industry.
Ready to protect your business?
Get instant quotes from multiple carriers and compare side-by-side.
Start Free Comparison →