Business Insurance in Houston, Texas
Business insurance for Houston companies, from an independent brokerage. We compare options across our carrier markets and explain them in plain language.
Getting set up in Houston
- No general business license. Houston doesn't issue a general business license. Permits depend on your activity, and businesses file an assumed name (DBA) in each county where they operate.
- Vehicles for hire. Houston requires commercial auto liability for vehicles for hire, and ride-share companies need a $1,000,000 combined single limit from trip acceptance to drop-off.
- No statewide general contractor license. Texas doesn't have a statewide general contractor license, so cities set their own registration rules. Clients and general contractors still commonly ask for proof of liability and workers' compensation coverage.
Local risks worth reviewing
- Flood insurance discounts. In 2021 the city reported a Community Rating System Class 5 rating, a 25% flood premium discount for properties in flood hazard areas.
State rules that apply here
Houston businesses follow Texas's workers' compensation and auto insurance rules. See what Texas law requires →
Common questions
Does Houston require a business license?
No general one. The city issues activity-specific permits, and you file a DBA with the county.
What insurance do vehicles for hire need in Houston?
Commercial auto liability, and $1,000,000 combined single limit for ride-share trips from acceptance to drop-off.
Does business insurance cover flooding in Houston?
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 Houston, New Business Guide; City of Houston, Vehicle for Hire FAQs; Houston Permitting Center, CRS (2021); City of Austin, Contractor Registration.