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Texas Business Insurance

Texas Business Insurance

Texas business insurance made simple: right-sized coverage, local guidance, and fast quotes for small businesses across the Lone Star State.

Rather speak with an insurance agent? Call us: (877) 334-7646

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Small Business Insurance in Texas

Texas is powered by entrepreneurs. The state has 3.5 million small businesses—99.8% of all Texas businesses—employing 5.1 million people (44.4% of Texas employees). That’s a massive share of jobs across construction, healthcare, professional services, logistics, and more.

From Houston to Amarillo and all places between, IronPoint protects small businesses in Texas. We make business insurance fast, easy, and affordable.

Types of Texas businesses we insure:

What Business Insurance Does Texas Require?

State requirements & common mandates

  • Workers’ compensation: Texas is unique—most private employers aren’t required to carry workers’ compensation. However, contractors and subcontractors on building or construction projects for a governmental entity must provide workers’ comp under Texas Labor Code §406.096. If you opt out (become a “non-subscriber”), you must notify DWC and your employees (e.g., DWC Form-005; additional e-file notices apply, including thresholds like 5+ employees). Many clients or venues still require proof of workers’ comp contractually.
  • Commercial auto (if you drive for business): Texas requires at least 30/60/25 liability limits—$30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Contracts, leases, or fleet operations often require higher limits.
  • Contract & lease requirements (not state law): Lenders, clients, and landlords frequently require General Liability, may ask to be listed as Additional Insured, and often specify Property/Business Interruption, Workers’ Comp, Commercial Auto, or Professional Liability depending on the work and venue.

Get the Right Texas Business Insurance Coverage

You want to make sure you purchase the right amount of Texas business insurance protection, and you don’t want gaps in coverage.

Every business is different, but most Texas companies start with these core protections:

How Much Does Business Insurance Cost in Texas?

There’s no one-price-fits-all. Carriers rate on industry and operations, revenue, payroll, and headcount, claims history, vehicles/drivers, building details and equipment, coverage limits and deductibles, and risk controls (contracts, certificates from subs, cyber hygiene, etc.). The most reliable way to price your risk is to start a quote and compare options side by side.

What’s Needed to Get a Texas Business Insurance Quote

Having these details handy speeds things up and improves pricing accuracy:

  • Business basics: Legal name, FEIN, entity type, years in business, website, description of operations, and locations.
  • Exposure data: Annual revenue, payroll by class/role, number of employees, subcontractor use and cost, square footage, equipment/stock values.
  • Vehicles & drivers (if Commercial Auto): Year/make/model/VIN, garaging addresses, use, and driver lists with license states.
  • Current coverage: Policies in force, limits/deductibles, effective dates, and loss runs (typically 3–5 years).
  • Professional/Cyber (if applicable): Services offered, contract types, data collected/stored, security controls (MFA, backups, endpoint protection).

Why Choose IronPoint for Your Business Insurance?

  • Independent choice: We shop multiple carriers so you don’t have to.
  • Texas know-how: Practical guidance on state rules and the realities of leasing, contracting, and scaling locally.
  • Speed with substance: Fast quotes without cutting corners—get options, not just a price.
  • Service that sticks: Certificates same day, proactive renewals, and help when claims happen.
  • Modern tools: Digital applications, paper-light workflows, and side-by-side comparisons to make decisions easy.
Texas Business Insurance Quote

Get an Texas Business Insurance Quote

Compare Texas business insurance quotes and rates. We make it fast, safe, and secure.

Call 1-877-334-7646 to speak with a business specialist

Texas Business Insurance FAQs

Is workers’ comp required for Texas businesses?

Not for most private employers. However, contractors and subcontractors working on building or construction projects for a governmental entity must provide workers’ comp, and many private contracts will require it. If you opt out as a non-subscriber, you must file required notices with the Division of Workers’ Compensation and inform employees.

What are the minimum auto liability limits for business vehicles in Texas?
Texas requires 30/60/25 ($30,000 bodily injury per person / $60,000 per accident / $25,000 property damage). Many contracts and fleets require higher limits.
My landlord asked for “additional insured” status—is that normal?
Yes. Commercial leases commonly require General Liability with the landlord named as Additional Insured, plus specific limits and waiver language. We’ll build your policy to match the lease
What’s the difference between a BOP and General Liability?
A BOP bundles General Liability with Property (and usually Business Interruption). General Liability alone doesn’t cover your own property or lost income.
I use subcontractors—does that change my coverage needs?
Usually yes. Carriers often require written contracts, proof of subs’ insurance, and may rate/underwrite differently if subs are uninsured. Public-project work has additional workers’ comp requirements.
How fast can I get a Certificate of Insurance (COI)?
Typically the same day once coverage is bound—often within minutes for standard requests.
What information should I gather before I request quotes?
Company details, revenue and payroll, operations summary, vehicles/drivers (if any), prior insurance, and 3–5 years of loss runs (if available).