Texas small business insurance
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Get small business insurance Texas companies rely on.
Are you searching for the business insurance Texas companies trust? If so, biBerk has a proven track record and the coverage you need. We offer different policies to protect you from the many types of risk businesses face. Let’s take a look at available coverage options.
Texas Workers' Compensation insurance
Workers’ comp in Texas helps protect your business if an employee gets hurt, sick, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.
Workers' Compensationchevron_rightTexas General Liability insurance
Also known as commercial liability insurance, general liability insurance in Texas covers damages and legal costs associated with injury claims from people who don’t work for you (like customers), damage to other people's property your business caused, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability. We provide flexible coverage for general liability insurance in Texas.
General Liabilitychevron_rightTexas Business Owners Policy (BOP)
Also called property & liability insurance, a business owners policy (BOP) conveniently combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Business Owners Policychevron_rightTexas Professional Liability insurance
You might hear this called errors and omissions (E&O) insurance. It can protect you from the cost of damages and legal fees when someone says your professional service caused financial harm to them or their business. Coverage includes both mistakes by your business (errors) and the failure to perform a service (omissions). Professional liability is an important type of business insurance in Texas. You should consider getting coverage if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.
Professional Liabilitychevron_rightTexas Commercial Auto insurance
If your company owns or leases vehicles, this policy protects your business. It’s an important type of business insurance in Texas that can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.
Commercial Autochevron_rightTexas Cyber insurance
You can buy this coverage as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches where sensitive information has been stolen and fraud has occurred or it’s reasonable to think it might occur.
Cyber Insurancechevron_rightTexas Umbrella insurance
As you’d probably expect, every liability insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you might be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.
Umbrella Insurancechevron_rightWe cover all kinds of professionals and businesses in Texas, including:
- Advertisement companies
- Aerobic studios
- Air conditioning repair services
- Aluminum awning companies
- Automotive air conditioning companies
- Cabinet/interior trim carpentry companies
- Call centers
Carpet/upholstery cleaning businesses - Clay and shale digging companies
- Concrete cable tension system installation companies
- Concrete construction companies
- Consultants
- Dentists
- Exterminators
- Farmers
- Fire alarm installation and repair companies
- Fire alarm companies
- Furniture stores
- Glaziers
- Heating and cooling companies
- Landscaping and gardening services
- Mailing companies
- Home health care companies
- Office clerical services
- Oil and gas geologist services
- Park operations
- Piano tuning companies
- Plumbing services
- Precision-machined parts manufacturers
- Residential domestic workers
- Restaurants
- Sheet metal companies
- Tax and accounting services
- Telecommunications companies
- Trucking companies
Why choose biBerk for business insurance in Texas?
We’re the experts when it comes to small business insurance.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Why is biBerk better for Workers’ Comp in Texas and other policies?
Whether it’s workers’ comp or other commercial insurance in Texas, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in lots of ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett started out as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.
Who relies on biBerk for business insurance in Texas?
The people who look to us for crucial business insurance in Texas cover the spectrum, from new business owners to those who’ve got decades of experience. People who’ve just started a business value our help in understanding their coverage needs. When they’ve got questions, we’ve got answers! For example, we can talk with them about what a Texas contractor’s insurance needs might be. We can also provide guidance on which coverages are likely to be required in their states or how to find that information. They also appreciate that our budget-friendly prices can be as much as 20% less than other providers. Ultimately, we help new business owners get their ventures off to solid starts.
A partner to seasoned business owners
Experienced business owners see biBerk as a partner in their success. They count on us for assistance as their businesses grow and expand. We ensure they maintain adequate coverage to protect their assets and operations. These professionals also like that our website and licensed insurance experts are great resources for information on managing risks effectively.
Guiding professional service providers
Businesses that provide professional advice or services have unique needs. Owners of these companies look to biBerk for advice on how to protect their businesses from claims of errors or omissions, which can be costly—especially for companies that aren’t adequately insured. They appreciate the many benefits of the policies we offer, including payment for legal expenses and damages in our professional liability coverage.
Requirements for small business insurance in Texas
Workers' Compensation
Texas has one of the lowest workers’ comp rates in the nation. It’s also one of the only states where, in certain instances and subject to state reporting and mandatory disclosures to your employees, you may not be required to carry workers’ compensation. Even when it’s not a legal requirement in specific instances, however, it’s still a good idea to purchase workers’ comp in Texas. Without a policy, you could have to pay out of pocket for medical costs, legal fees, and lost wages incurred by one of your employees if they’re injured or become ill while on the job. Also, if you don’t have a workers’ comp policy, you must file an annual notice with the Department of Workers’ Comp, post notices in all workplaces, and tell new employees in writing that they’re not covered by a workers’ comp policy.
Other policy considerations
While the law may not state it, there’s a good chance you need to carry other small business insurance in Texas in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company with commercial insurance in Texas is one of the smartest business decisions you can make.
Special considerations for Texas
Many locations in Texas have significant exposure to damages from hurricanes. In 2008, Hurricane Rita did more than $18 billion dollars worth of damage, and Hurricane Harvey caused $125 billion dollars in damage in 2017. A property and liability policy is the only way to protect your business from the costs associated with hurricane damage, so it’s important to be sure you understand what you are, and are not, covered for by talking with one of our licensed insurance experts. For example, insurers typically don’t cover flood damage resulting from a storm.
What does business insurance in Texas cost?
The cost of business insurance in Texas depends on multiple factors—things like your industry, number of employees, and the amount of your payroll. Your claims history will also influence your policy cost. Companies with fewer claims typically pay lower premiums.
Frequently asked questions about small business insurance in Texas
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What types of small business insurance do I need in Texas?
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Every Texas business is different, so the answer to that question varies. We can best advise you after learning about your company. However, if you have employees, it’s a good idea (and probably required by law) to have a workers’ compensation policy. General liability is another type of business insurance Texas companies often need for many reasons, including if customers visit your premises or if you work as a contractor in someone’s home where you might accidentally damage their property. Errors and omissions insurance is important for individuals or businesses that provide a professional service or advice. If you have assets like equipment and furniture, or if you own buildings, a business owners policy or BOP (also called property & liability insurance) is crucial.
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How long does it take to get small business insurance in Texas?
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Getting a business insurance quote and then paying for one or more policies is fast and easy. It can take as little as five minutes, and your policy is issued immediately for the effective date.
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Can I set up my policy to be paid automatically when premiums are due?
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Yes, our autopay feature is easy to activate and signing up gives you one less task to worry about.
Small Business Insurance in Texas in Three Simple Steps
Get a quote.
Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.
Buy a policy.
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a certificate.
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.