Business Insurance Agents in Texas 

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Ed Fussa

 ✔ verified 

Associated Carriers – Allstate (principle), Hagerty, American Modern, Sage Surge, Wellington

“I enjoy helping people protect against life’s uncertainties that could cause a financial hardship without the protection that insurance provides us.  “

Insurance Products – Personal insurance, Business insurance

📍Katy, Texas, 77494
Eddie Stallworth -business

Eddie Stallworth

Insurance Product: Business Insurance

📍 Richmond, Texas, 77407United States
Terry Ray-Business Insurance

Terry Ray

“I know finding the right insurance policy can be tricky. And that is why I decided to help my community get the best coverage that fits their need.”

Insurance Products: Personal and Business Insurance


📍Jasper, Texas, 75150United States

When it comes to moving or expanding your business, in Texas there are a lot of things to consider. But one of the most important is insurance. Insurance protects your business from unexpected events that could cause financial hardship, and it’s vital to have the right coverage in place before you make the big move. 

The best business insurance policy for you will depend on the specific needs of your company. It’s important to work with an experienced agent who can tailor a policy fit your business. 

Business insurance Texas

Why Agency Height?

Local Coverage Expertise- Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose- Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Popular Business Insurance Coverages in the State

Standard/Common Coverages

  • General Liability Insurance  
  • Business Auto Insurance  
  • Business Property Insurance  
  • Workers Compensation Insurance

Recommended Coverage

  • Business Owner Policy (BOP)
  • Commercial Truck Insurance
  • Cyber Liability Insurance

Other Coverage

  • Professional Liability Insurance
  • Umbrella Policy

Average Rates for Business Insurance in Texas 

The cost of business insurance in Texas can vary significantly depending on the industry. Small-business owners who are self-insured pay a median annual premium of $49, but when you look closer there’s even more difference between different types of businesses with varying needs for coverage. 

Below table shows the tentative rates of different business insurance coverages:

Coverage Type Average Price/month
General Liability $65 
Business Auto  $142 
Business Property  $63 * 
Workers Compensation  $111 
Business Owner Policy 
Professional Liability  $97 
Commercial Umbrella  $129 
Commercial Truck 
Cyber Liability  $140 

The prices mentioned are the tentative rates as different companies have different pricing policies and also the coverage limits and deductibles are not the same.    

For example, * The median cost of commercial property insurance is $63 per month or $755 per year with a limit of $60,000 and a median deductible of $1,000  

Ultimately, the best way to determine your business coverage cost is to speak with an insurance agent or broker who can assess your specific needs and recommend the right coverage for your business. 

Frequently Asked Questions

What does business insurance cover?

Business insurance can help pay the costs of property damage, lawsuits, lost business income, and other covered losses. To help protect against specific risks unique to their situation, businesses often buy multiple coverages and combine several in one policy. 

What are the common types of business insurance required by most business owners in Texas?

The most common types of business insurance required by business owners in Texas are commercial property insurance, general liability insurance, workers’ compensation insurance, professional liability insurance(E&O), business owner policy (BOP) and commercial auto insurance. 

Is business liability the same as general liability?

The main difference between general liability and professional liability is the types of risks they each cover. General liability covers physical risks, such as bodily injuries and property damage. Professional liability covers more abstract risks, such as errors and omissions in the services your business provides. 

What kind of business in Texas needs a Business Owner Policy?

Small to medium-sized businesses with commercial property should consider a BOP. It combines general liability and commercial property insurance. This combination gives you both liability protection – for things like accidents and lawsuits – and commercial property insurance, which covers your building and business personal property. 

Is business insurance required in Texas?

The answer to this question depends on the type of business you have and the specific insurance coverage you need. There are a few types of business insurance that aren’t required by law in Texas. In fact, Texas is the only state that doesn’t require private employers to carry workers’ compensation, but most businesses will need some form of insurance coverage to protect themselves from liability. 

Who is exempt from workers compensation insurance in Texas?

Texas is the only state which does not require coverage. However, there are exclusions to this rule for some employers listed below: Any public employer including cities, counties, state agencies and state universities. Building and construction contractors for public employers. 

Why is commercial truck insurance important in Texas?

Trucks are the lifeblood of Texas’ multimodal freight system. They haul over a trillion dollars worth every year, making them crucial to its economy and way of life. Therefore, commercial trucking insurance is important to protect your business against financial loss in the event of an accident on highways. 

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