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Small business insurance in Texas
Texas hosts 2.4 million small businesses—which employ over 4 million people (or about 46% of Texans employed in the private sector). So if you run a small business in Texas, you’re a major force of our economy, and you need small business insurance to stay protected against unexpected challenges. Huckleberry can get your business covered in about 5 minutes. (Everything’s online and super easy.)
The most common types of small business insurance in Texas
Workers’ comp 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.
If a third party ever sues your business for property damage or physical injury, general liability insurance 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. 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 do Texans pay for small business insurance?
The median amount that Huckleberry customers pay for their workers’ comp premium is $1,354 per year. (For a Business Owner’s Policy, it’s $502—and for general liability coverage, the median cost is $665.)
But—and this is important—the numbers can’t tell you what you’ll pay. Prices vary widely and your rate will change based on what industry you’re in and where you’re located in Texas, so your premium could be higher—or much lower. The best way to find out what you’d pay for small business insurance is to get a 60-second estimate here.
Other coverages you can add to your Texas policy
Protects your company if one of your employees claims you discriminated against them, mismanaged their benefits, or deprived them of a career opportunity.
Protects your business if someone from your company ever causes damage with a vehicle that isn’t owned by the business.
Covers your legal expenses 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.
3 reasons why business owners in Texas love Huckleberry
- It’s fast. 95% of Huckleberry customers get the coverage they need in five minutes (or even less).
- It’s super easy. We explain everything in simple English. And you’ll manage your account via our simple online portal.
- It’s affordable. There’s a good chance you’ll pay significantly less.
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