Business Insurance in Austin, Texas
Business insurance for Austin companies, from an independent brokerage. We compare options across our carrier markets and explain them in plain language.
Getting set up in Austin
- No general business license. Austin notes that Texas doesn't require a general business license; permits depend on your type of business, and DBAs are filed with the Travis County Clerk.
- Contractor registration. Trade contractors, general contractors and homeowners acting as contractors must register with the city before working under a building or trade permit.
- Vending in the right of way. Vending in Austin's public right of way requires general liability of at least $500,000 per occurrence, with the city as additional insured.
Local risks worth reviewing
- Flood insurance. The city says flood insurance in Austin is available at up to a 25% discount through its FEMA rating, and that the average claim was $21,000 as of 2021.
State rules that apply here
Austin businesses follow Texas's workers' compensation and auto insurance rules. See what Texas law requires →
Common questions
Does Austin require a business license?
Texas doesn't require a general one. Permits depend on your business, and DBAs are filed with Travis County.
Do contractors have to register in Austin?
Yes, before working under a building or trade permit.
Does business insurance cover flooding in Austin?
Standard homeowners policies don't cover flood, and business property policies usually handle flood separately too. Flood coverage is generally its own policy, and new flood policies usually have a 30-day waiting period, so it's worth checking before storm season.
General information only, not legal advice. Coverage depends on the policy's terms, conditions and underwriting. Local details checked October 15, 2026 from: City of Austin, Start a Business; City of Austin, Contractor Registration; City of Austin, Vending Requirements; City of Austin, Flood Insurance Assistance (2025).