Business Insurance in Houston
Confused About What Insurance Your Business Actually Needs?
You’re not alone. Many Texas small business owners feel overwhelmed choosing coverage. As a top independent agency, we learn how you operate, then match you with commercial insurance insurance coverage that fits - without the hassle. Think of us as your Houston insurance partner.
Why Choose Us?
Insurance shouldn’t feel like a guessing game - it should feel like peace of mind. At Thumann Agency, we specialize in straightforward, reliable business insurance in Houston, TX designed to protect your people, property, and progress.
Why Texas businesses choose Thumann Agency:
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More Options: Access to 80+ top-rated insurance companies—Travelers, Chubb, The Hartford, Liberty Mutual, Nationwide & more.
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Same-Day Quotes: Fast turnaround so you can stay focused on your business.
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Customized Policies: Coverage built around your operations, contract requirements, and budget.
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Texas Risk Specialists: Based in Dallas, serving Houston and all of Texas—we understand Gulf weather, flood exposure, and busy vehicle traffic risks.
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Trusted Since 1996: Thousands of Texas small business owners rely on Thumann Agency for peace of mind.
Start your quote | Call (972) 991-9100
Why Businesses Trust Us ⭐⭐⭐⭐⭐
Augustus
“Desni Cox went above and beyond to constantly update my insurance to help get me the lowest costs! Highly recommend this company, very quick responses and kind people.”
Kaylee Sarte (Local Guide)
“I’m so happy I found the Thumann Agency because I don’t have to worry about shopping around for insurance on my own. They always find great options for me.”
Best Business Insurance Brokers in Houston, TX
Running a business comes with risks, but with the right commercial insurance insurance coverage, you don’t face them alone. We deliver tailored protection—clear explanations, practical guidance, and help at claim time so policies do what you expect.
For nearly three decades, we’ve served companies across Texas. With thousands of satisfied clients and access to 80+ carriers, we deliver real protection - not just policies. From startups to growing enterprises, we tailor coverage to your risks, operations, and goals, and we make it easy to scale as you grow.
Let’s explore options that fit your business.
Protection for Your Business
General Liability Coverage
Protects against third-party claims like customer injuries or property damage (e.g., slip-and-fall, damage at a client site). Essential for leased spaces and customer-facing operations in Houston. This general liability coverage can help cover medical bills and legal defense if someone is hurt.
Best for: customer-facing businesses • leased spaces • advertising exposure
Typical from: $65–$90/month*
Workers’ Compensation Insurance
Not required for most private employers in Texas, but often required by contracts and leases. Helps cover medical bills and lost wages if an employee is injured—important factors for job sites and growing teams.
Best for: businesses with employees • physical labor roles • contract compliance
Typical from: $85–$140/month*
Professional Liability Insurance (Errors & Omissions)
Also called omissions insurance or E&O, professional liability insurance protects service and advice-based work (consultants, tech, healthcare, real estate, design). If a client alleges an error, it helps with defense and settlements. Many contracts list E&O as a requirement.
Best for: consultants/advisors • service businesses • contract requirements
Typical from: $55–$110/month*
Commercial Property Insurance
Protects buildings, tenant improvements, equipment, inventory, and business income from fire, theft, vandalism, and wind. (Note: standard property policies exclude flood—common around Houston—add flood separately.) For owners and tenants, property limits and deductibles are key factors we’ll review.
Best for: retail • offices • equipment-heavy businesses • inventory protection
Typical from: $75–$120/month*
Commercial Auto Insurance
Required for business-titled vehicles. Covers liability and physical damage—vital for contractor fleets, delivery, and sales teams on Houston’s busy roads. We’ll help set driver criteria and review radius and use—important factors for pricing.
Best for: delivery/transport • contractor fleets • employee-driven vehicles
Typical from: $120–$190/month per vehicle*
Cyber Insurance
Helps with breach response, legal costs, notification, credit monitoring, and system recovery—critical for any business taking payments or storing data. (If you’re Googling “cyber insuranc” after a scare—yes, that’s cyber insurance, and we’ll set it up right.)
Best for: data-driven firms • online payments • compliance-sensitive industries
Typical from: $80–$150/month*
Business Owner’s Policy (BOP)
A business owner’s policy bundles general liability coverage and commercial property—often the best-value starting point for many Houston small business owners. We’ll tune limits and add-ons based on your contract obligations and risk profile.
Risk Management for Houston Businesses
We help you reduce risk proactively so premiums stay competitive and operations stay steady:
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Identify local exposures (flood, wind, theft, cyber) by location and industry.
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Recommend safety programs to reduce workplace injuries and cover medical bills faster through proper reporting.
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Strengthen cybersecurity and vendor requirements (a common contract clause).
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Align coverages and endorsements with your business owner’s policy or standalone lines.
Protect your business with proactive, Houston-ready strategies.
Industry-Specific Coverage
Contractors & Construction – Tools/equipment, GL, Auto, Umbrella; fast COIs and contract wording (AI, Primary/Non-Contrib, Waiver).
Retail & Restaurants – Property, Business Income, GL, Liquor (as applicable), Theft.
Tech & Professional Services – Professional liability insurance + cyber insurance bundles; data-handling and vendor compliance.
Healthcare & Wellness – Omissions insurance (E&O), general liability coverage, cyber insurance for patient data.
Real Estate & Building Owners – Property, GL, Umbrella; lender/lease contract compliance.
We make it simple
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Listen: your operations, locations, payroll, vehicles, and key contracts.
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Shop: compare 80+ carriers for fit and value across all major lines.
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Explain: what’s covered, what’s not, and the factors that drive price.
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Set up: COIs for landlords/GCs, clean docs, reminders.
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Support: renewals, reviews, and hands-on claims help.
Start your quote | Call (972) 991-9100
FAQs about Houston Business Insurance
What does business insurance typically cover?
Common protections include general liability coverage, commercial property, professional liability insurance (aka omissions insurance), business owner’s policy, cyber insurance, and commercial auto for vehicles. We’ll tailor to your industry, location, and contract needs.
Do I need flood insurance in Houston?
If you’re near flood-prone areas—or just want peace of mind—yes. Standard property policies exclude flood; we’ll price NFIP and private options and explain the factors that affect cost.
How much does business insurance cost in Houston?
Pricing varies by industry, revenue, payroll, vehicles, limits, and claims history. Your business owner’s policy or standalone lines will be quoted across multiple carriers so you can compare coverage and price. We’ll outline the key factors behind each option.
How fast can I get a Certificate of Insurance (COI)?
Often same day. Share your deadline and any contract wording; we’ll get it done.
We believe business insurance in Houston should be simple, supportive, and stress-free.
Let Thumann Agency be your go-to guide for commercial insurance insurance coverage that truly protects what you’ve built - without the overwhelm.
See how much you could save - start a new quote for business insurance in Houston, TX today.
