Texas has multiple laws and regulations concerning business insurance requirements across a wide swath of industries operating within the state. The size of your business, industry, and number of employees will have the biggest role in determining insurance requirements for your business. Workers Compensations Insurance and General Liability Insurance are the most common coverages in Texas. There are several factors that will mandate Workers Compensation Insurance in Texas. A licensed insurance advisor will be able to determine if your business falls within any of these requirements and if any exemptions are applicable.

The cost of business insurance in Texas can vary widely based on several factors. Business size, industry, and amount of coverage all affect monthly premiums in Texas. For example, the cost of a Business Owners Policy for a manufacturing company operating in Houston will be very different from a Business Owners Policy for a hardware store in Dallas. Other considerations such as annual sales, payroll, company assets, and claims history also help determine the cost of business insurance in Texas. A licensed insurance advisor will be able to identify Business Insurance discounts in Texas that you may qualify for, along with discounts for bundling Business Insurance in Texas.