Business Insurance in Texas FAQ - Quick Answers

The cost of your small business insurance in Texas will vary depending on numerous items. Some risk factors carriers look for when rating your coverage are as follows:

  • Type of industry
  • Number of employees
  • Gross annual sales
  • Location of business
  • Number of company vehicles
  • Safety practices in place
  • Past claims reported
  • Number of years in operation

Several policies are necessary to fully protect your small business. In Texas, you're not required to carry workers' compensation insurance, or other policies in most cases. However, you may be interested in other policies depending on your specific situation.

Your small business insurance policies will be specific to your operations and unique risks. In Texas, here are policies that could apply to your business:

In Texas, there are numerous small business liability insurance policies you can obtain. Some of the most common are listed below:

According to the Affordable Care Act, you're not required to offer small business health insurance in Texas unless you have 50 employees or more. However, you may want to include coverage as a part of your company's benefits package. A local independent insurance agent can help with quotes.

There are several ways you can obtain small business insurance, but some carriers are better than others. In Texas, Hanover, Nationwide, and Travelers insurance companies come highly recommended. This is due to their superior claims handling and excellent customer service.

Do You Know What Your Business Insurance Covers in Texas?

Find the Best Business Insurance in Your City

How does your city measure up to the national average?

Number of businesses in the US: 30,819,176

Burglary rate per 1,000 residents in the US: 3.76

Auto theft rate per 1,000 vehicles in the US: 2.29

CityNo. of businessesBurglaries / 1,000 peopleAuto thefts / 1,000 cars
Amarillo                17,3437.164.83
Arlington                35,9883.243.1
Austin                96,0484.413.07
Corpus Christi                27,4165.962.71
Dallas              142,6586.767.52
El Paso                55,6971.531.24
Fort Worth                71,5454.343.64
Grand Prairie                15,6782.562.55
Houston              260,3477.235.57
Plano                30,5672.161.53
San Antonio              117,5465.244.99