Business Insurance in Texas
Coverage for Texas businesses of every size and kind, from an independent brokerage. We compare options across our carrier markets and explain the choices in plain language, including whether workers' comp makes sense for you.
What Texas law requires
- Workers' compensation is optional for most private employers. In Texas, most private employers can choose not to carry workers' compensation. Employers who go without it, called nonsubscribers, must file an annual notice with the state, post notices at work and tell new hires in writing. They also lose key defenses if an injured employee sues, such as arguing the employee's own negligence caused the injury.
- Required on government work. Government entities must carry workers' compensation, and private employers working on a government contract must cover the employees on that project.
- Auto liability of at least 30/60/25. Vehicles need at least $30,000 per person and $60,000 per accident for bodily injury and $25,000 for property damage. Many businesses carry more, and for-hire operations can need higher limits.
Coverage Texas businesses review most
- General liability. Covers claims that your business caused injury to someone or damage to their property.
- Business owner's policy. Property and liability in one package, a common fit for small and mid-size businesses.
- Property & equipment. Your building, equipment and inventory. Coastal wind and hail terms deserve a close look.
- Commercial auto. Vehicles used for work. Dealers, repair shops and truckers usually need garage or trucking forms instead.
- Workers' compensation. Optional for most private employers in Texas, but going without it carries real trade-offs. Worth a side-by-side look.
- Professional liability. Claims tied to advice, services or mistakes in your professional work.
- Cyber liability. Data breaches, ransomware and the costs that follow.
- Umbrella & excess. Extra limits above your liability, auto and employer's liability policies.
Hard to place?
Been declined or non-renewed? We work with specialty and surplus lines markets for risks the standard market passes on. Texas also has insurers of last resort: Texas Mutual for workers' compensation, the Texas Windstorm Insurance Association for coastal wind, and the Texas FAIR Plan for homes. It pays to check the open market first.
City guides
Common questions
Is workers' comp required in Texas?
Not for most private employers. Government entities and private employers on government contracts must carry it. Employers who go without it must file an annual notice, post notices and tell new hires, and they lose certain defenses if sued by an injured employee.
What does it mean to be a nonsubscriber in Texas?
It means your business has chosen not to carry workers' compensation. You still have reporting and notice duties, and an injured employee can sue the business directly without some of the defenses a covered employer would have.
What auto liability does Texas require?
At least $30,000 per person and $60,000 per accident for bodily injury and $25,000 for property damage.
Can I get workers' comp in Texas if other carriers decline?
Usually. Specialty markets write many risks, and Texas Mutual is the state's workers' compensation insurer of last resort.
Do you only work with certain industries?
No. We place coverage for businesses of every kind, from new startups to established operations.
General information only, not legal advice. Coverage depends on the policy's terms, conditions and underwriting. State requirements checked October 15, 2026 from: Texas Department of Insurance, Workers' Comp Insurance Guide; Texas Office of Public Insurance Counsel, Auto Insurance Basics; Texas Department of Insurance, Insurers of Last Resort.