Round Rock Business Insurance

(And how the city affects your rates)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.


Round Rock, Texas, is best known as the home to Dell Technology headquarters. This tech city has a population of over 116,000 residents and is centrally located. 

If you own a business in Round Rock, you're only 15 miles from Austin, TX, and could have significant traffic. Connect with an independent insurance agent on to get protection for your business. 

Employee Benefits for Your Round Rock, TX, Business

If you're hoping to entice new talent in a large city like Round Rock, employee benefits are a way to do it. With the cost of health insurance rising, any contribution would be a value-added. Let's look at the average employee health insurance costs:

  • Annual health premiums for family employee coverage in 2019: $20,576
  • Annual health premiums for single employee coverage in 2019: $7,188

Employee benefits don't have to break the bank, and they can help retain good employees. When putting together a benefits package, you should have a solid foundation of offerings. Take a look at the three most common coverage options:

  • Health insurance: You can contribute to all or some of the expense.
  • Disability insurance: You can offer short- or long-term coverage.
  • Life insurance: A whole or term life policy is a great additional coverage.

Your Round Rock agent can help you put together a plan that fits your budget and offers significant benefits to your employees. 

Workers' Compensation in Round Rock, TX

As a whole, Texas does not mandate workers' compensation insurance unless your business is government or construction-related. Coverage is still needed, no matter the requirement. If you have employees, you'll want to protect your company from a potential lawsuit. Workers' compensation insurance will pay for medical expenses and lost wages when an employee gets injured or ill on the job. Check out the minimum limits of liability for workers' compensation:

  • $100,000 per occurrence for bodily injury 
  • $100,000 per employee for bodily injury by disease
  • $500,000 policy limit for bodily injury by disease

Minimum limits are the starting point for coverage and usually not enough. Connect with your local independent agent to discuss workers' compensation coverage options. 

Business Interruption Insurance in Round Rock, TX

Burglary, fire, and natural disasters could all cause your company to halt operations. Business interruption insurance will help pay for regular business expenses when you temporarily have to close down. Take a look at what items business interruption could pay for:

  • Mortgage or rent payments
  • Employee payroll
  • Utilities
  • Vendor fees

You have to worry about fires, storms, flooding, hurricanes, and tornadoes in Round Rock. All of those occurrences could put your business on hold. Make sure you have the proper business interruption coverage through your independent agent. 

Flood insurance coverage:

Flood insurance is one of the primary exposures in Round Rock, TX. However, coverage can only be found through a separate flood insurance policy. To protect your property, you'll want to have enough flood coverage in case the worst happens. 

According to FEMA, just an inch of flooding can cause $25,000 in damage. Have your independent agent pull your elevation certificate to find your flood zone. From there, your agent can run a quote presenting you with the best option.


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Cyber Liability Insurance for Your Round Rock Business

Cyber liability insurance is more needed than ever. The majority of businesses run digitally, and most still don't have adequate cyber protection. Let's look at the numbers:

  • Number of US data breaches in 2019: 1,473
  • 2019 identity thefts reported in Texas: 75,533

Every time your company uses email, you're at risk for a cyberattack. The best way to avoid stolen data is the following:

  • Send out practice phishing emails, so your employees know what to look for
  • Hold regular cyberattack prevention meetings with staff
  • Make sure you have the proper safeguards in place to protect your data and servers
  • Consult with an expert

Contact your Round Rock agent to get pricing on cyber liability for your business. 

Your Round Rock Commercial Property Insurance

Commercial property insurance is a vital coverage when you own a structure or business belongings. To have the coverage you need, you'll want to consult your local agent. Your commercial property insurance will provide coverage for:

  • Replacement or repair of your building up to the replacement cost
  • The replacement or repair of your business belongings

The five most common property risks in Texas:

  1. Wildfires
  2. Flooding and water damage
  3. Hurricanes and tropical storms
  4. Burglary and other property crimes
  5. Severe storms and lightning

Connect with a local independent agent on your commercial property coverages. 

Liability Insurance in Round Rock, TX

Liability insurance is the primary coverage for your business. General liability insurance, or GL, will protect for many different claims that could arise. Policy limits start at the following:

  • $1,000,000 per occurrence
  • $2,000,000 aggregate

General liability of GL insurance:

A GL policy will protect your business from a lawsuit due to bodily injury, slander, or advertising injury. Products and completed operations insurance is another useful coverage that will apply after the service is completed. Speak with your independent agent on where your GL limits need to be for adequate protection.

Find a Round Rock, TX, Independent Agent

As a business owner, you're busy running your company. Leave your insurance to an industry expert. An independent insurance agent works with several A-rated carriers, saving you time and money.

To work with a Round Rock independent agent is entirely free, making it a no-brainer. Connect with a local agent on in minutes. 

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City of Round Rock