Texas Business Insurance

Customized protection for your Texas business

Texas business owners should consider several types of business insurance to protect against a variety of work-related incidents. Injury, illness and property damage are just a few of the many things that could put the financial health of your business at risk.

Texas reported 210,000 non-fatal workplace injuries in 2020, with over 85% of them from private sector businesses, according to the Bureau of Labor Statistics. Even though Texas doesn’t require it, small business owners should consider workers’ compensation and other business insurance to protect their livelihood.

The Progressive Advantage^® Business Program can help you personalize a Texas business insurance policy with the coverage you need.

Types of TX business insurance

General Liability

Nearly all Texas small businesses should have this common liability coverage. It protects against a wide variety of bodily injury and property damage claims, such as a slip-and-fall accident. It also protects against personal and advertising injury, as well as other liabilities related to your work.

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Commercial Auto

You need this coverage if you use your vehicles for your business, such as making deliveries or traveling between job sites. It provides liability and physical damage coverage for your work vehicles and trailers that typically aren’t covered by a personal auto policy.

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Workers' Compensation

Workers’ comp isn’t required by Texas law, but you should still consider it for the well-being of your business and employees. It helps pay for expenses related to employees who become injured or ill on the job.

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

Texas businesses that provide professional services, such as accounting or legal services, should consider this coverage. It protects against actual or alleged negligence and defense costs. It’s commonly known as errors & omissions insurance (E&O).

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Cyber Insurance

Cyber insurance protects your computer systems and data from electronic threats, like data breaches and cyber attacks. Texas businesses that store or manage sensitive data, like credit card numbers or medical records, should consider this coverage.

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How much does business insurance cost in Texas?

The cost of a Texas business insurance policy depends mostly on the type of work you do. Each industry is exposed to different types of risk, and this causes their rates to differ. For example, high-risk businesses like general contractors and manufacturers often need a specialized coverage that is usually more expensive.

Other factors that affect your rate include business size, coverage needs and location. For example, a business in Austin can expect a different rate than a business in Lubbock.

Learn more about the factors that influence your cost, or get a free online quote to find out your rate.

Texas business insurance requirements

Business insurance isn’t required by law in Texas. That said, there is at least one exception: Businesses that have a contract with a government entity must provide workers’ compensation for each employee until the contracted project is complete.

Choosing not to have workers’ comp or any other business liability coverage is risky because it eliminates some of your legal protection and could leave you vulnerable to expensive lawsuits.

We’ll help you avoid these types of situations by personalizing a commercial insurance policy that gives you the peace of mind that your livelihood is protected. Start a quote online or call us to speak with a licensed agent.

Resources for Texas small business owners:

Texas Workers’ Compensation (Texas Department of Insurance)
2023 Texas Small Business Profile (U.S. Small Business Administration)

Texas professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

Options

We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.
Experts

As the #1 commercial auto insurer in America^*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.
Convenience

There are several ways to get a quote, whether you need a single Texas policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.