This type of insurance will protect Texas small businesses from a variety of claims including bodily injury, property damage, personal injury, and other liabilities related to your business sector. If you provide direct service to your clients, you may consider having professional liability insurance. 

While the state of Texas does not explicitly require workers’ comp, it should still be a priority for your employees and business. This type of coverage includes any incurred costs from employees who have been injured on the job. Benefits associated with workers comp include medical coverage, wages from lost work hours, and more! 

If your business requires vehicles for operation, this insurance coverage is an absolute necessity. Commercial auto provides liability and coverage for all work vehicles and trailers not included in a personal policy.

BOP is a blend of both property and liability coverage into a single policy. These policies are ideal for Texas businesses who either own or rent property like an office building, warehouse, or traditional brick and mortar. You should consider a business owner’s policy if your business could be sued or you have assets that could be damaged or stolen. 

Property coverage for your commercial space helps protect your business from unforeseeable circumstances such as a fire, natural disaster, or theft. Coverage in Texas may also include protection for accounts receivable or lost income due to extenuating circumstances that may put your business operation to a halt.