Texas Business Insurance
Running a business can be hard - finding the right insurance shouldn’t be.
Not sure what coverage your business needs? That’s exactly what we’re here for.
At the Thumann Agency, we take the stress out of protecting what you’ve built. Whether you need Texas business insurance, personal coverage, employee benefits, or financial services, we offer smart, tailored solutions for individuals and businesses across Texas.
Our agents assess your risks, shop quotes from 80+ top-rated insurance companies, and deliver coverage that fits your operations, budget, and goals - so you can move forward with confidence.
Best business insurance options for texas companies.
General liability insurance
This coverage helps cover costs if someone files a claim for things like injuries, property damage, or advertising-related issues.
Best for:
✓ Customer-facing businesses
✓ Leased spaces
✓ Businesses with advertising exposure
Workers’ compensation insurance
Pays for medical bills and lost wages for employees hurt at work. It helps your business stay compliant and financially safe.
Best for:
✓ Businesses with employees
✓ Physical labor roles
✓ High-risk industries
✓ Compliance with state laws
Professional liability insurance
Protection against professional risks helps keep your business safe from claims of negligence, mistakes, or omissions in your services. It includes legal defense and financial support if a client alleges a costly error.
Best for:
✓ Consultants and advisors
✓ Service-based businesses
✓ Claims of professional errors
✓ Contractual liability requirements
Commercial property insurance
This Insurance safeguards your business property from fire, theft, vandalism, or storms. It helps protect your physical assets and supports recovery after unexpected losses.
Best for:
✓ Retail stores and offices
✓ Equipment-heavy businesses
✓ Inventory protection
✓ Property damage repairs
Commercial auto insurance
Helps cover accident-related expenses, including injuries and property damage. It ensures legal compliance and financial security when employees or owners use vehicles for work purposes.
Best for:
✓ Delivery and transport services
✓ Contractor fleets
✓ Employee-driven vehicles
✓ Auto-related legal claims
Cyber liability insurance
Helps protect your business from losses due to data breaches, cyberattacks, or ransomware. It supports financial recovery, legal defense, and customer trust.
Best for:
✓ Data-driven businesses
✓ Online payment systems
✓ Cyberattack response
✓ Regulatory compliance
Find out how much you could save - start a business insurance quote or call to talk with one of our licensed Texas insurance agents 972.991.9100.
What does business insurance cost in Texas?
The cost of business insurance in Texas depends on your company’s size, needs, and risk level. Insurance companies look at these factors to give you a fair price for coverage that fits your business.
Key factors that influence your cost:
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Type of industry and operations
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Business location and exposure to local risks
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Number of employees
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Annual revenue
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Types of coverage and policy limits
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Past claims and deductible selection
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Understanding what is covered under each policy
Texas business insurance requirements: what you need to know
In Texas, most businesses aren’t legally required to carry commercial insurance but that doesn’t mean you should go without it. The one legal exception? If you’re working on a government contract, you must provide workers’ compensation for your employees until the job is done.
Additionally, many commercial landlords require proof of insurance as a condition of a lease agreement.
Beyond the legal side, going uninsured leaves you wide open to costly lawsuits, medical claims, and property damage. One unexpected incident could derail everything you’ve worked so hard to build.
Smart Texas business owners trust us to help them craft the right protection. We will create a Texas commercial insurance policy just for your industry, size, and risk. This way, you can focus on growing your business, not on guessing.
Get a quote online today or call to talk with one of our licensed agents.
A leading business insurance agency in Texas
Texas is home to over 3 million businesses - each facing unique risks. At the Thumann Agency, we understand the challenges Texas businesses face and how to cover them.
From major metro areas to small towns, we help Texas businesses navigate complex challenges like property damage, cyber threats, employee injuries, and legal claims.
Our local expertise and access to 80+ top-rated carriers allow us to build tailored insurance plans that grow with your business.
Why Texas businesses trust Thumann Agency for commercial insurance
Here’s why we stand out:
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More choice, better savings we partner with over 80 top-rated insurance carriers.
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Your personal risk specialist we help you reduce risks before they become costly claims.
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Convenience our agents save you time by doing the work for you.
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We're local we know Texas state regulations and industry risks, first hand.
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Trusted since 1996 we’ve helped thousands of businesses secure reliable risk management solutions.
Texas small business insurance
Small Business insurance is a crucial investment for small business owners in Texas, providing protection against various risks and uncertainties. As a small business owner, it’s essential to understand the importance of business insurance and how it can help safeguard your company’s assets, employees, and reputation.
Coverage you can count on
With the right coverage, you can ensure that your business is well-covered and prepared for any unexpected events that may arise. In this section, we’ll explore the basics of business insurance and why it’s a must-have for small businesses in Texas.
Start a new online quote today or call us 972.991.9100 - We're always happy to help.
FAQs about business insurance
What does commercial business insurance cover in Texas?
Commercial business insurance in Texas typically includes general liability, commercial property insurance, workers’ compensation, and business interruption coverage. For example, if an accident occurs on your business premises, general liability insurance can help cover medical expenses and legal fees. Whether you run a startup, small business, or eCommerce brand, the right business insurance in Texas helps protect you from lawsuits, theft, natural disasters, and unexpected operational losses
Can I customize my business insurance coverage?
Yes, Texas commercial insurance coverage can be customized to match your specific business model and industry. You may also qualify for a discount when bundling multiple types of coverage into one comprehensive plan. Whether you run a retail shop, startup, or home-based business, you can combine general liability, cyber coverage, and commercial property insurance into one comprehensive, flexible plan.
How do I get a certificate of insurance in Texas?
A Certificate of Insurance (COI) proves your business holds active commercial insurance coverage. You can easily purchase your commercial insurance policy online and obtain a Certificate of Insurance from your provider. Whether required by vendors, landlords, or contracts, a COI can be obtained from your Texas commercial insurance provider and serves as official documentation of your coverage.
Can my business be liable for a data security breach?
Yes. If your Texas business stores or processes digital data, you can be held liable in the event of a data breach - per the Texas Business and Commerce Code, Section 521. Having the right resources and expert guidance in place is critical to defending your business from cyber threats and minimizing financial risk.
Cyber liability insurance helps cover legal fees, financial losses, and regulatory penalties following a breach. It’s especially important for online businesses, tech-driven startups, and any company handling customer data.
Does my industry affect my insurance requirements?
Yes, industry plays a significant role in determining your insurance needs. Restaurants, construction firms, professional services, and online businesses all face different risks and require different types of commercial insurance coverage to stay protected and compliant in Texas. For example, businesses in Austin and San Antonio may face different risks and insurance requirements compared to other regions in Texas.
How can I save money on commercial insurance in Texas?
To lower your Texas commercial insurance costs, compare policies from different providers and consider bundling coverage types like liability, property, and cyber protection. Finding affordable insurance options can help you manage costs while ensuring adequate coverage. Maintaining a strong claims history and implementing safety protocols can also help reduce your premiums.
What is the average cost of liability insurance?
The average cost in Texas can vary depending on several factors, including the type of business, industry, and location. However, on average, small business owners can expect to pay around $500 to $1,000 per year for general liability insurance. Professional liability insurance, also known as errors and omissions insurance, can cost between $500 to $2,000 per year, depending on the type of business and level of coverage. It’s essential to work with an insurance agent who can help you determine the right level of coverage for your business and provide you with a personalized quote.
Working with a independent insurance agency
When it comes to finding the best business insurance in Texas, working with an insurance broker like us can be a game-changer. Because we're independent, we're not tied to a single insurance company. This means we can shop around multiple carriers to find the best policy for your unique needs.
We have access to a wide range of trusted insurance companies and can offer you various policies to choose from. By leveraging our expertise and strong carrier relationships, we ensure your business gets the most comprehensive and cost-effective insurance protection available.
Why Texas businesses choose the Thumann Agency: What our customers say
⭐⭐⭐⭐⭐ 4.9 out of 5 based on 250+ reviews
Customers praise the Thumann Agency for its quick response times, money-saving results, and exceptional customer service. They mention receiving quotes within hours when other agencies couldn't deliver, and many report significant savings on their policies. Clients consistently highlight how the team makes insurance easy to understand and appreciate their honesty about rates and coverage options. Many are impressed with the comprehensive knowledge across both personal and business insurance needs.
Last Updated: 05.09.2025
Disclaimer: This information is provided for general educational purposes only and is not intended to be construed as legal advice or as a complete description of available insurance products or coverages. Coverage terms, conditions, limitations, and exclusions vary by state and insurance provider. Not all products, coverages, or discounts mentioned are available in all states, including Texas. The examples and descriptions provided are for illustrative purposes only. For specific information about your insurance needs or questions about coverage, please contact The Thumann Agency directly.
Reviews and ratings mentioned are collected from verified customers and represent their personal opinions and experiences. Individual results may vary. The Thumann Agency is licensed and operates in accordance with Texas Department of Insurance regulations.
