NEXT offers the best professional liability insurance in Texas, with competitive rates and strong customer service. The Hartford ranks second overall, while Simply Business rounds out the top three providers.
Professional Liability Insurance in Texas
NEXT earns the highest score of 4.73 out of 5 in our analysis of the best professional liability insurance in Texas.
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Updated: November 3, 2025
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Bets Professional Liability Insurance in Texas: Key Takeaways
NEXT is our top pick for professional liability insurance in Texas, followed by The Hartford and Simply Business.
Your industry risk, client contracts, potential claim costs and budget determine the best Texas professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best small business insurance for professional liability in Texas.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Professional Liability Insurance Companies in Texas
| NEXT Insurance | 4.73 | $73 |
| The Hartford | 4.62 | $72 |
| Simply Business | 4.51 | $77 |
| Coverdash | 4.45 | $78 |
| Nationwide | 4.44 | $83 |
| biBERK | 4.43 | $80 |
| Progressive Commercial | 4.40 | $76 |
| Hiscox | 4.36 | $78 |
| Chubb | 4.26 | $89 |
| Thimble | 4.25 | $76 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE
Professional liability coverage alone won't fully protect your Texas business. Understanding how different coverage types work together creates stronger financial protection for small businesses.
Best Texas Professional Liability Insurance Reviews
Most professionals need professional liability insurance, but not all providers offer the same value. We've broken down what differentiates these top providers and why they made our list for Texas businesses.
NEXT
Overall Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Premium
$73These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.9/5Our Survey: Recommend to Others
4.8/5
The Hartford
Runner-Up for Best Provider
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly Premium
$72These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
4.5/5Our Survey: Recommend to Others
4.5/5
Cheapest Professional Liability Insurance Companies in Texas
The Hartford provides the cheapest professional liability insurance in Texas at $72 monthly ($862 annually). NEXT offers another affordable option for business owners at $73 per month.
| The Hartford | $72 | $862 |
| NEXT Insurance | $73 | $875 |
| Progressive Commercial | $76 | $906 |
| Thimble | $76 | $915 |
| Simply Business | $77 | $923 |
| Hiscox | $78 | $934 |
| Coverdash | $78 | $942 |
| biBERK | $80 | $958 |
| Nationwide | $83 | $998 |
| Chubb | $89 | $1,071 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
Average Cost of Professional Liability Insurance in Texas
Professional liability insurance costs $78 monthly ($939 annually) in Texas, equal to the national average. Mortgage brokers pay the highest rates at $167 per month, while florists pay the lowest at $38. Your final rate depends on factors like business location, claims history and coverage limits.
| Accountants | $148 | $1,774 |
| Ad Agency | $100 | $1,194 |
| Auto Repair | $82 | $988 |
| Automotive | $77 | $924 |
| Bakery | $52 | $623 |
| Barber | $43 | $516 |
| Beauty Salon | $50 | $597 |
| Bounce House | $58 | $696 |
| Candle | $42 | $501 |
| Cannabis | $125 | $1,497 |
| Catering | $80 | $955 |
| Cleaning | $55 | $656 |
| Coffee Shop | $61 | $733 |
| Computer Programming | $106 | $1,272 |
| Computer Repair | $63 | $758 |
| Construction | $77 | $928 |
| Consulting | $107 | $1,287 |
| Contractor | $63 | $758 |
| Courier | $51 | $610 |
| DJ | $46 | $550 |
| Daycare | $110 | $1,319 |
| Dental | $85 | $1,022 |
| Dog Grooming | $56 | $667 |
| Drone | $106 | $1,268 |
| Ecommerce | $62 | $749 |
| Electrical | $64 | $766 |
| Engineering | $105 | $1,256 |
| Excavation | $68 | $822 |
| Florist | $38 | $457 |
| Food | $110 | $1,320 |
| Food Truck | $61 | $727 |
| Funeral Home | $81 | $976 |
| Gardening | $40 | $485 |
| HVAC | $83 | $991 |
| Handyman | $56 | $674 |
| Home-based business | $39 | $462 |
| Hospitality | $75 | $905 |
| Janitorial | $51 | $617 |
| Jewelry | $63 | $751 |
| Junk Removal | $68 | $810 |
| Lawn/Landscaping | $51 | $617 |
| Lawyers | $146 | $1,756 |
| Manufacturing | $60 | $719 |
| Marine | $89 | $1,070 |
| Massage | $107 | $1,284 |
| Mortgage Broker | $167 | $2,007 |
| Moving | $82 | $979 |
| Nonprofit | $50 | $597 |
| Painting | $64 | $766 |
| Party Rental | $55 | $663 |
| Personal Training | $70 | $844 |
| Pest Control | $95 | $1,138 |
| Pet | $45 | $543 |
| Pharmacy | $57 | $680 |
| Photography | $63 | $761 |
| Physical Therapy | $96 | $1,150 |
| Plumbing | $92 | $1,100 |
| Pressure Washing | $57 | $686 |
| Real Estate | $129 | $1,546 |
| Restaurant | $81 | $977 |
| Retail | $56 | $675 |
| Roofing | $98 | $1,180 |
| Security | $100 | $1,201 |
| Snack Bars | $47 | $566 |
| Software | $97 | $1,159 |
| Spa/Wellness | $110 | $1,325 |
| Speech Therapist | $100 | $1,196 |
| Startup | $73 | $873 |
| Tech/IT | $98 | $1,173 |
| Transportation | $95 | $1,144 |
| Travel | $97 | $1,164 |
| Tree Service | $75 | $906 |
| Trucking | $114 | $1,364 |
| Tutoring | $60 | $720 |
| Veterinary | $118 | $1,410 |
| Wedding Planning | $77 | $926 |
| Welding | $78 | $931 |
| Wholesale | $61 | $733 |
| Window Cleaning | $63 | $751 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
How Much Professional Liability Insurance Do I Need in Texas?
Professional liability insurance requirements differ by profession in Texas. Health care providers and attorneys often face mandatory coverage rules, while other fields rely on client contracts and industry standards. Even without legal requirements, your coverage amount should match your risk exposure and clients' expectations. Many higher-risk professions carry at least $1 million per occurrence and $3 million aggregate coverage.
Your coverage decision depends on three factors:
Your Industry Risk
Some industries in Texas carry greater liability exposure than others, affecting how much coverage you need. Technology consultants in Austin's tech corridor and architects designing major Dallas developments need higher limits since they face a higher exposure. Professional liability insurance for accountants in smaller Texas towns or residential real estate agents done require as much since their risks of lower. Your profession's claim frequency and severity should guide your decision on coverage amount.
Client Requirements
Many clients and contracts in Texas require proof of professional liability insurance at specific limits before you can begin work. Large Texas corporations, government contracts, and energy companies often demand minimum coverage of $1 million to $2 million. Meeting these requirements ensures you can pursue lucrative opportunities with major clients across the state.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a professional liability lawsuit in Texas courts. Small mistakes might result in claims of $10,000 to $50,000, while errors on major projects could lead to six-figure damages plus legal fees exceeding $100,000. Consider the largest project value you handle when determining appropriate coverage limits.
How to Get the Best Professional Liability Insurance in Texas
Our step-by-step guide explains how to get business insurance in Texas that matches your professional liability needs and budget.
- 1Evaluate Your Risk Exposure
Different businesses face varying liability risks across Texas. A consulting firm typically needs lower coverage limits than an engineering company. Review your industry standards and any coverage requirements in client contracts to determine appropriate protection levels.
- 2Find a Knowledgeable Local Agent
Look for agents who know the state's business landscape and understand how business insurance costs vary by location and industry. They can recommend coverage that fits your profession and meets regional client expectations. This expertise saves time and ensures proper protection.
- 3Collect and Compare Quotes
Request quotes from at least three insurers, comparing affordable business insurance rates and policy terms like exclusions and deductibles. A $1 million policy from one company may offer different terms than another.
- 4Research Insurer Reliability
When researching business insurance in Texas, look beyond price. Choose carriers with strong AM Best ratings and solid claims-handling reputations. Look for insurers experienced in your industry who understand your specific risks. Professional reviews and peer recommendations help identify trustworthy providers.
- 5Explore Bundling Opportunities
Many insurers offer discounts when you combine professional liability with other types of business insurance coverage, with general liability or business owner's policies. These bundles often reduce overall costs while simplifying policy management. Ask agents about available package deals in your area.
- 6Maintain Continuous Coverage
Professional liability operates on a claims-made basis, meaning your policy must be active when claims are filed. Avoid coverage gaps by securing prior acts coverage or purchasing tail coverage when switching insurers. Continuous protection prevents costly exposure.
How to Prevent Professional Liability Claims in Texas
Many professional liability claims happen because of miscommunication and unclear client expectations, not actual mistakes. Even small disputes can lead to thousands in legal fees. Use these strategies to avoid problems and protect your business from expensive claims.
Document Everything
Keep written proof of all client interactions, including email confirmations, scope changes and project approvals. This documentation helps prevent disputes by providing a clear record of what was agreed upon and when decisions were made.
Use Detailed Contracts with Clear Scope
Create contracts that define responsibilities, timelines and deliverables for every project. Outline what is included and excluded from your services to avoid conflicts over additional work or unexpected costs.
Communicate Project Changes Immediately
Confirm all client-requested changes in writing before moving forward with any modifications. Document how these changes affect timelines, budgets and final deliverables to prevent misunderstandings later.
Set Realistic Expectations Upfront
Be transparent about project timelines, potential challenges and expected results from the start. Honest communication about your capabilities helps avoid overpromising and reduces the likelihood of client disputes.
Keep Detailed Project Records
Maintain thorough records of all work performed, decisions made and the reasoning behind your professional recommendations. This documentation demonstrates your diligence and provides protection if your work is questioned later.
Texas Professional Liability: Bottom Line
Professional liability insurance decisions in Texas start with understanding your business risks and client needs. NEXT earns our top rating, but your industry requirements, contracts and budget matter most. Assess your specific risks first, then work with a local agent to compare options that deliver solid financial protection for your business.
Texas Professional Liability Insurance: FAQ
Here are frequently asked questions about professional liability insurance in Texas.
What does professional liability insurance cost in Texas?
Professional liability insurance in Texas costs between $72 and $89 monthly, based on provider data. Your premium depends on your industry's risk level, claims history, coverage limits and business location, making each company's rate unique.
Which professional liability insurance company is best in Texas?
NEXT tops professional liability insurance in Texas with a 4.73 out of 5 rating for its affordable coverage and strong customer service. The Hartford ranks second at 4.62, while Simply Business comes third at 4.51, both offering solid alternatives for business owners.
How much professional liability coverage do I need in Texas?
Professional liability coverage needs in Texas vary based on your industry's risk level, client contract demands and potential lawsuit expenses. High-risk professions like architects and consultants need higher coverage limits, while businesses in lower-risk fields may require less protection to safeguard their operations adequately.
Is there a difference between professional liability and E&O insurance?
Professional liability and errors and omissions (E&O) insurance are two names for the same coverage. Both protect you from claims about mistakes in your services. Some industries prefer one term, but they work the same way.
How We Scored the Best Professional Liability Insurance Companies in Texas
In order to find the best professional liability insurance in Texas for our readers, we analyzed 79 industries across the state, isolating only ones that need the coverage type for the most accurate recommendations. Our business profile we studied was a 2-employee business with $300,000 in annual revenue, $150,000 in payroll with a $1 million per occurrence and $2 million per year aggregate professional liability policy.
Our Professional Liability Insurance Scoring System
- Affordability (50%): We analyzed costs for professional liability insurance for Texas businesses for our base profile and any discounts specific to the area or industries providers offered for this score.
- Customer experience (30%): Professional liability claims create significant stress for business owners. We assessed Texas service quality through J.D. Power ratings, customer reviews on forums and complaint records from the Texas Department of Insurance.
- Coverage options (15%): We analyzed policy flexibility and exclusions to ensure they address the specific needs for professional liability policies.
- Financial strength (5%): We relied on AM Best financial ratings to confirm each insurer maintains the stability needed to pay professional liability claims reliably.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Alliance Health. "Provider Insurance Requirements." Accessed November 14, 2025.
- Better Business Bureau. "The Hartford Insurance Company | BBB Business Profile." Accessed November 14, 2025.