Small Business Insurance in Texas

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844--9933 anytime.

Better, Regardless of Your Size

  • Access to expert advice on your time

    Texas business owners are always on the go, but you still deserve answers to your questions. CoverWallet experts are available anytime you need advice, either online or by phone.

  • File a claim from anywhere

    Claims are unexpected and stressful. CoverWallet customers love that they can file a claim from anywhere using our online customer portal.

  • Maintain a positive business reputation

    CoverWallet makes it easy for businesses to request, send, and show proof of insurance so you don’t risk your reputation.

  • Focus on what you do best

    Trying to navigate or understand insurance takes you away from what you do best, running your business. Our team of experts is here to make it simple so you can focus on what matters.

Coverage Plans for All Your Needs

Starting a business in Texas opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.

BASIC

Essential coverage for your Texas business

General Liability

From
29
Month
Instant quote »

Includes:

  • Bodily Injury
  • Damage to third party property
  • Personal Injury
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
39
Month
Instant quote »

All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records
Get STANDARD plan

PRO

When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

From
39 *
Month

* Plus Workers Compensation

Instant quote »

All standard plan benefits and:

  • Coverage for work-related accidents and diseases and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery
    • Legal fees
Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

From
___
Month
Instant quote »
  • Choose your coverage

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

We've Got You Covered with Coverage You Need

Whether you’re looking to satisfy Texas requirements with Workers Comp and Disability Insurance or know insurance is the only way to protect your finances, we’ve got you covered.

General Liability

Arguably the most important policy for any Texas business, it protects against more than slip and fall claims. It covers defense and settlement expenses for injury, property damage, and libel and slander claims from third-parties.

Commercial Property

Whether you own or rent your building, the assets you need to run a business are expensive to replace. Commercial Property Insurance pays to rebuild or replace your belongings after a covered incident causes damage.

Workers Comp

While not mandatory like it is many states, Workers Comp protects you from being sued by injured employees. It covers medical expenses and lost wages for employees injured on the job.

Umbrella Liability

Umbrella liability insurance is an additional layer of protection that protects you once your general liability policy reaches maximum limits.

Health Insurance

Current federal laws require individuals have health insurance or pay a fine, which has increased the number of employees who rely on their employer to provide it for them.

Employment Practices Liability

EPL insurance or EPLI protects businesses from employee related claims alleging discrimination, harassment, defamation, retaliation, or a hostile work environment.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Get a free quote, all you need to enter is your zip code to get started.

Or call (646) 844--9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

Why do I need business insurance?

Business insurance protects you from paying out expenses when a claim or lawsuit occurs and your business is found liable for the outcome.

What limits should I carry on my General Liability Insurance?

It depends on your business, financial resources, and the types of services you offer. Carrying at least $1,000k/$2,000k is a popular option for small businesses.

Am I required to carry Workers Comp?

The state of Texas does not mandate employees carry Workers Comp Insurance. However, if you don’t carry insurance you must report every work-related injury or disease to the DWC.

What happens if I don’t buy business insurance?

If you forego buying insurance for your business, you risk having to pay all of the expenses associated with potential lawsuits which, depending on nature, can result in thousands of dollars.

What are the loss control requirements in Texas?

Texas law requires insurance carriers provide policy holders with valuable loss control information that can benefit your business and minimize risks.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

why coverwallet

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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Already insured?

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The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
State of the Art Technology

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

Are you ready to get down to business?

Enter your zipcode to get started or call (646) 844--9933 anytime.

References for Small Businesses in Texas

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

SBA office of Dallas/Ft. Worth

4300 Amon Carter Blvd Suite 114, Fort Worth, TX, 76155
Mon through Fri from 8:00 AM to 4:30 PM
(817) 684-5500
Visit the website

Texas Department of Insurance

333 Guadalupe, Austin, TX, 78701
Mon through Fri from 8:00 AM to 5:00 PM
(800) 578-4677
Visit the website