Texas Business Insurance

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Small business insurance in Texas

Business owners in the Lone Star State should consider several types of business insurance to protect against a variety of work-related incidents. The right coverage lets you face unexpected events with confidence, knowing you're prepared.

There are 3.5 million small businesses in Texas that account for 99.8% of all businesses in the state, according to the Small Business Administration (SBA). Collectively, they provide jobs for 5.1 million people. If you're one of these employers, we're here to help you protect what you've built.

Progressive Commercial can personalize a Texas business insurance policy with the coverage you need. Start a quote or call us for expert advice.

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Types of TX business insurance

General liability

General liability insurance in Texas is the most common type of business coverage for a good reason. It protects against a variety of everyday risks, like customer injury and property damage, including accidents like a slip and fall. It also covers personal and advertising injury and other claims related to your operations.

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Commercial auto

In Texas, you need commercial auto coverage if you use vehicles for your business, such as making deliveries or traveling between jobs. This coverage provides liability and physical damage coverage for your work vehicles and trailers that typically aren't covered by a personal auto policy.

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Workers' compensation

Workers' comp isn't usually required by Texas law, but you should consider getting it for the wellbeing of your business and employees. It helps pay for expenses related to employees who become injured or ill because of their job.

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Business owners policy (BOP)

A BOP packages property and liability coverage into a single policy. It's a popular option for small and medium-sized businesses that rent or own commercial buildings and have furniture, tools, and equipment they want to protect.

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Professional liability

Commonly known as errors and omissions insurance (E&O), Texas businesses that provide specialized services, such as accounting or legal services, should consider professional liability coverage. It protects against actual or alleged negligence and legal costs.

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Cyber

Cyber insurance protects your computer systems and data from electronic threats like breaches and cyber attacks. Texas businesses that store or manage sensitive data, like credit card numbers or medical records, should consider this coverage.

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How much is business insurance in Texas?

In 2024, the national median cost of business insurance for new Progressive Commercial customers ranged from $42 per month for professional liability to $80 per month for workers' comp.

Texas business insurance cost depends on the type of work you do and the risks you take on. For example, high-risk professions like general contractors and manufacturers often need specialized coverage that can have higher premiums.

Other factors that affect your price include business size, coverage needs, and location. For example, business insurance in Austin might cost more than in a smaller city like Lubbock due to population density, cost of living, and local ordinances.

Learn more about the factors that influence your cost and start a free online quote to find out how much you'll pay for coverage.

Texas business insurance requirements

Business insurance isn't usually required by Texas law, but there's one exception. Companies that have a contract with a government entity must provide workers' compensation in Texas for each employee until the project is complete.

Choosing not to have workers' comp or any other business liability insurance is risky because it eliminates some of your legal protection and could leave you vulnerable to expensive lawsuits.

We'll help you avoid these types of situations by personalizing commercial insurance to give you the peace of mind that you're protected. Start a quote online or call us to speak with a licensed agent.

Explore more essential business insurance resources.

Resources for Texas small business owners:

Texas Workers' Compensation (Texas Department of Insurance)
2025 Texas Small Business Profile (U.S. Small Business Administration)

Texas professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse other professions we insure.

Why choose Progressive Commercial

Options

We can help you find a policy during any stage of your business's development with the flexibility to adjust coverages as your company changes. Our agents will work with you to ensure you get business insurance that meets your needs and budget.

Experts

As America's #1 commercial auto insurer,^* you can trust us with your Texas business insurance needs. Our team of specially trained, in-house agents will assist you every step of the way to make sure you're getting the right coverage for your business.

Convenience

There are several ways to get a quote, whether you need a single Texas business insurance policy or a combination of coverages. Start a quote online or call us to speak with an agent.