Small business insurance in Texas
Texas hosts 2.4 million small businesses, employing over 4 million people (or about 46% of Texans employed in the private sector). So if you’re a small business owner in the Lone Star State, you’re a significant force of our economy, and you need small business insurance to stay protected against unexpected challenges. Huckleberry can get your business covered in minutes. (Everything’s online and super easy. Ditch the slow insurance agents.)
The most common types of small business insurance in Texas
Workers’ compensation will protect and compensate your employees if they ever get sick or injured on the job. It’ll pay for lost wages, medical treatment, and ongoing rehabilitation.
A Business Owner’s Policy (often called a BOP) is a bundle of important coverages that protects your business in many circumstances. It includes general liability insurance, property insurance, and business interruption insurance.
Suppose a third party ever sues your business for property damage, bodily injury, or advertising injury. In that case, a commercial general liability insurance policy can cover the cost of your legal expenses and financial settlement.
Business property insurance covers your building (if it’s ever damaged or destroyed due to a covered reason), while business personal property insurance covers items inside your building.
Business interruption coverage helps your business survive a temporary shutdown of business operations. It’ll pay out to cover fixed expenses like payroll and tax payments—or even the cost of a temporary location—while you work to get your business running again.
How much does Texas small business insurance cost?
The average amount that Huckleberry customers pay for their workers’ compensation premium is $94 per month. (For a Business Owner’s Policy, it’s $85 per month—and for general liability coverage, the average cost is $63 per month.)
But—and this is important—the numbers can’t tell you what you’ll pay. Insurance companies’ rates vary widely based on what industry you’re in, where you’re located in Texas, and how much your insurance needs change. So your premium could be higher—or much lower. The best way to find out what you’d pay for small business coverage is to get a 60-second estimate here.
Other insurance coverages you can add to your Texas policy
Employment Practices Liability Insurance
Protects your company if one of your employees claims you discriminated against them, mismanaged their benefits, or deprived them of a career opportunity.
Hired and Non-Owned Auto Insurance
A type of commercial auto insurance policy. Protects your business if someone from your company ever causes damage with a vehicle that isn’t owned by the business.
Professional Liability Insurance
Also called errors and omissions insurance. Covers your legal defense costs and the cost of a settlement if you make a mistake that harms a client.
Pays for legal expenses, medical expenses, and property damage if your restaurant serves liquor to a visibly intoxicated customer who then causes damage to someone or something.
Pays out to cover your financial losses if you lose food or beverages from a power outage or other covered event.
Pays to repair or replace the electrical or mechanical equipment your business needs to operate.
A bundle of handy coverages which protects your restaurant in many unexpected situations.
Compensates your business for financial losses if one of your employees ever steals from you (directly or indirectly).
The most common industries getting Texas business insurance:
3 reasons why business owners in Texas love Huckleberry
- It’s fast. 95% of Huckleberry customers get the coverage they need in minutes. So long, brick and mortar insurance agencies!
- It’s super easy. We explain everything in simple English. And you’ll manage your account via our simple online business insurance portal.
- It’s affordable. There’s a good chance you’ll pay significantly less than you would with a legacy insurer, whether you’re in Austin, Dallas, Houston, or El Paso. Or anywhere else.
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