ERGO NEXT ranked first in MoneyGeek's analysis of Texas business insurance providers for strong customer service and broad coverage options. The Hartford and Simply Business also provide reliable coverage for Texas small business owners.
Best Small Business Insurance in Texas
Get quotes from Texas' best business insurance providers, The Hartford, ERGO NEXT and Simply Business, with rates starting at $6 monthly.
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Updated: February 5, 2026
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Business Insurance in Texas: Key Takeaways
ERGO NEXT offers the best small business insurance in Texas with top customer experience scores.
Small business insurance in Texas costs an average of $101 monthly or $1,216 annually across four core coverage types.
Find the right small business insurance coverage by assessing your risks, comparing quotes and maximizing discounts.
Best Small Business Insurance Companies in Texas
| ERGO NEXT | 4.64 | $101 | 1 | 2 |
| The Hartford | 4.63 | $85 | 2 | 3 |
| Simply Business | 4.50 | $98 | 5 | 1 |
| Nationwide | 4.48 | $102 | 2 | 4 |
| Coverdash | 4.42 | $102 | 6 | 2 |
| biBERK | 4.40 | $105 | 2 | 5 |
| Progressive Commercial | 4.34 | $100 | 7 | 5 |
| Thimble | 4.33 | $94 | 8 | 5 |
| Hiscox | 4.27 | $109 | 4 | 6 |
| Chubb | 4.26 | $118 | 3 | 4 |
*This data represents a small business with two employees, $150,000 in payroll and $300,000 in annual revenue. We calculated all scores for the four most common coverage types across 79 industries in the United States.
RESEARCH THE BEST BUSINESS INSURANCE IN TEXAS BY COVERAGE TYPE
Find the best or cheapest business insurer in Texas for your coverage type:
ERGO NEXT
Best Texas Business Insurance
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Cost of General Liability Insurance
$102Rates shown for small businesses with two employees across 79 industries. General liability policies only.Average Monthly Cost of Workers' Comp Insurance
$69Rates shown for small businesses with two employees across 79 industries. Workers' comp policies only.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
The Hartford
Cheapest Texas Business Insurance
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly Cost of General Liability Insurance
$83This rate is for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Average Monthly Cost of Workers' Comp Insurance
$70This rate is for small businesses with two employees across 79 major industries or business types and focus solely on workers' comp policies.Our Survey: Claims Process
4.5/5 (1st)Our Survey: Agent Service
4.5/5 (1st)
Simply Business
Best Commercial Coverage Options in Texas
MoneyGeek Rating
4.5/ 5
4.5/5Affordability
4.2/5Customer Experience
4.9/5Coverage Points
Average Monthly Cost of General Liability Insurance
$97This rate is for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Average Monthly Cost of Workers' Comp Insurance
$72This rate is for small businesses with two employees across 79 major industries or business types and focus solely on workers' comp policies.Our Research: Policy Management
3.7/5Our Survey: Likely to Be Recommended to Others
4.2/5
How Much Does Business Insurance Cost in Texas?
Business insurance in Texas costs $74 to $148 monthly, depending on coverage types. Industry and risk factors drive these price differences. Here are average rates for the four most common business insurance types in Texas:
- General liability: $104 monthly ($1,253 yearly)
- Workers' comp: $74 monthly ($890 yearly)
- Professional liability (E&O): $78 monthly ($939 yearly)
- Business owner's policy (BOP): $148 monthly ($1,781 yearly)
| BOP | $148 | $1,781 |
| General Liability | $104 | $1,253 |
| Professional Liability (E&O) | $78 | $939 |
| Workers Comp | $74 | $890 |
*We analyzed rates for your two-employee business across 79 industries, focusing on general liability, professional liability, workers' compensation and business owner's policies. Our Texas research covers the companies we surveyed and won't include every rate available to your specific business.
Texas Business Insurance Cost by Industry and Coverage
Business insurance in Texas costs $6 to $1,341 monthly, depending on industry and coverage type. Compare Texas commercial insurance costs by coverage type and industry:
Data filtered by:
General Liability
Select
| Accountants | General Liability | $22 | $268 |
| Ad Agency | General Liability | $36 | $430 |
| Auto Repair | General Liability | $154 | $1,848 |
| Automotive | General Liability | $54 | $648 |
| Bakery | General Liability | $92 | $1,099 |
| Barber | General Liability | $45 | $539 |
| Beauty Salon | General Liability | $68 | $812 |
| Bounce House | General Liability | $71 | $855 |
| Candle | General Liability | $56 | $668 |
| Cannabis | General Liability | $68 | $815 |
| Catering | General Liability | $89 | $1,066 |
| Cleaning | General Liability | $134 | $1,611 |
| Coffee Shop | General Liability | $91 | $1,091 |
| Computer Programming | General Liability | $29 | $353 |
| Computer Repair | General Liability | $48 | $579 |
| Construction | General Liability | $178 | $2,133 |
| Consulting | General Liability | $22 | $267 |
| Contractor | General Liability | $258 | $3,100 |
| Courier | General Liability | $198 | $2,377 |
| DJ | General Liability | $26 | $308 |
| Daycare | General Liability | $33 | $400 |
| Dental | General Liability | $22 | $261 |
| Dog Grooming | General Liability | $64 | $772 |
| Drone | General Liability | $17 | $203 |
| Ecommerce | General Liability | $74 | $890 |
| Electrical | General Liability | $114 | $1,368 |
| Engineering | General Liability | $40 | $485 |
| Excavation | General Liability | $472 | $5,664 |
| Florist | General Liability | $43 | $521 |
| Food | General Liability | $109 | $1,310 |
| Food Truck | General Liability | $144 | $1,724 |
| Funeral Home | General Liability | $61 | $734 |
| Gardening | General Liability | $114 | $1,367 |
| HVAC | General Liability | $249 | $2,984 |
| Handyman | General Liability | $247 | $2,969 |
| Home-based | General Liability | $24 | $289 |
| Home-based | General Liability | $46 | $557 |
| Hospitality | General Liability | $66 | $793 |
| Janitorial | General Liability | $139 | $1,668 |
| Jewelry | General Liability | $41 | $490 |
| Junk Removal | General Liability | $165 | $1,976 |
| Lawn/Landscaping | General Liability | $122 | $1,462 |
| Lawyers | General Liability | $23 | $277 |
| Manufacturing | General Liability | $65 | $777 |
| Marine | General Liability | $28 | $341 |
| Massage | General Liability | $97 | $1,166 |
| Mortgage Broker | General Liability | $23 | $278 |
| Moving | General Liability | $126 | $1,509 |
| Nonprofit | General Liability | $36 | $436 |
| Painting | General Liability | $146 | $1,749 |
| Party Rental | General Liability | $81 | $967 |
| Personal Training | General Liability | $24 | $290 |
| Pest Control | General Liability | $33 | $392 |
| Pet | General Liability | $57 | $682 |
| Pharmacy | General Liability | $63 | $752 |
| Photography | General Liability | $24 | $293 |
| Physical Therapy | General Liability | $112 | $1,340 |
| Plumbing | General Liability | $366 | $4,397 |
| Pressure Washing | General Liability | $928 | $11,135 |
| Real Estate | General Liability | $54 | $647 |
| Restaurant | General Liability | $147 | $1,764 |
| Retail | General Liability | $66 | $795 |
| Roofing | General Liability | $393 | $4,720 |
| Security | General Liability | $141 | $1,692 |
| Snack Bars | General Liability | $119 | $1,428 |
| Software | General Liability | $27 | $320 |
| Spa/Wellness | General Liability | $108 | $1,298 |
| Speech Therapist | General Liability | $32 | $380 |
| Startup | General Liability | $29 | $348 |
| Tech/IT | General Liability | $27 | $321 |
| Transportation | General Liability | $38 | $458 |
| Travel | General Liability | $21 | $254 |
| Tree Service | General Liability | $132 | $1,579 |
| Trucking | General Liability | $104 | $1,248 |
| Tutoring | General Liability | $31 | $368 |
| Veterinary | General Liability | $45 | $545 |
| Wedding Planning | General Liability | $28 | $337 |
| Welding | General Liability | $167 | $2,006 |
| Wholesale | General Liability | $45 | $543 |
| Window Cleaning | General Liability | $161 | $1,937 |
*We analyzed rates for your two-employee business across 79 industries, focusing on general liability, professional liability, workers' compensation and business owner's policies. Our Texas research covers the companies we surveyed and won't include every rate available to your specific business.
What Factors Affect Texas Business Insurance Costs?
Several factors affect small business insurance costs in Texas:
- Texas workers' compensation laws: Texas is one of two states where most private employers aren't required to carry workers' compensation insurance. About 40% of Texas employers choose "non-subscriber" status, opting out and saving on premiums. But employers without workers' comp lose legal protection, as injured employees can sue them directly.
- Weather and natural disaster risks: Texas averages more tornadoes annually than any other state. Cities near the Gulf Coast, Tornado Alley, North Texas and the Panhandle see the most activity. Coastal properties need separate windstorm policies through the Texas Windstorm Insurance Association because standard policies exclude wind and hail coverage. Insurers stop approving new policies when storms enter the Gulf. Flood policies take effect 30 days after purchase.
- Tort reform and liability environment: Texas implemented tort reform in 2003 with a $250,000 cap on non-economic damages in medical malpractice lawsuits. But Texas leads the nation in verdicts exceeding $10 million for injury cases, costing job creators over $45 billion from 2009 to 2023. Texas accounts for half of all nuclear verdicts nationwide (along with three other states), pushing up insurance costs statewide.
- Regional cost variations: Gulf Coast cities including Brownsville, Galveston, Houston and Port Arthur have the highest hurricane risk. Austin, Houston and Fort Worth need additional flood insurance coverage. Businesses in Austin pay different rates than businesses in Lubbock because of local weather patterns, crime rates and regional risk factors.
Texas Business Insurance Quotes
Get multiple business insurance quotes from Texas commercial insurers to save on your policy. Compare companies with identical coverage to evaluate rates accurately. Use MoneyGeek's quote tool below to find affordable small business insurance.
Get Texas Business Insurance Quotes from the Best Insurers
Select your industry and state to get a customized quote for your Texas business.
Industry
State
Texas Business Insurance Requirements
Texas keeps business insurance requirements simple. The state requires only a few coverage types:
Texas workers' comp insurance requirements
Texas makes workers' comp insurance optional for most businesses; only two states allow this. Without coverage, you lose legal protections against employee injury lawsuits. Government contracts require coverage while projects run.
Texas commercial auto insurance requirements
Texas law mandates insurance for all business-owned vehicles with minimum liability coverage of 30/60/25: $30,000 per person for bodily injury, $60,000 per accident for bodily injury and $25,000 for property damage. Trucking companies carrying household goods need at least $300,000 for cargo under 26,000 pounds. Vehicles crossing state lines over 10,000 pounds require $750,000 under federal law.
Texas professional liability insurance requirements
Licensed professionals like doctors, lawyers and real estate agents may need errors and omissions coverage to meet state licensing requirements. Contractors may need proof of liability insurance or a surety bond for certain contracts.
Texas unemployment insurance requirements
Texas businesses with employees must register with the Texas Workforce Commission and pay unemployment insurance taxes. These taxes provide financial support to workers who lose jobs through no fault of their own.
What Business Insurance Coverage Is Recommended for Texas Companies?
Texas doesn't heavily regulate business insurance, so you choose coverage that fits your needs. MoneyGeek analyzed what works best for major Texas industries.
Contractors and Construction | General liability, workers' compensation, commercial auto, tools and equipment coverage, employment practices liability | Construction businesses deal with high injury risks, equipment theft and property damage liability. One-person operations need protection from accidents and customer property damage. |
Oil Field Services | General liability, workers' compensation, commercial auto, pollution liability, cyber liability | Energy service companies work with hazardous materials in remote locations. Texas produces nearly half of the nation's oil, creating opportunities for specialized service contractors who need industry-specific coverage. |
Restaurants and Food Trucks | General liability, workers' compensation, commercial property, cyber liability, liquor liability (if applicable) | Food service operations encounter burn and cut risks, foodborne illness liability and equipment breakdown costs. Customer slip-and-falls and food safety incidents can shut down operations. |
Consultants and Professional Services | Professional liability, general liability, cyber liability, commercial property | Independent consultants, accountants and service providers are liable for client mistakes and data breaches. For growing firms, one lawsuit can exceed annual revenue. |
Dentists | Professional liability, general liability, cyber liability, workers' compensation | Dental practices risk procedure complications, HIPAA violations, patient slip-and-falls and equipment failures. Minor treatment issues can trigger malpractice claims. |
Veterinarians | Professional liability, general liability, cyber liability, workers' compensation, animal bailee coverage | Veterinary clinics have animal bite injuries, treatment malpractice claims, liability for animals in care and drug storage compliance. Animal bailee coverage protects against injury or death of animals under care. |
Retail Shops | General liability, commercial property, cyber liability, workers' compensation, crime coverage | Retail businesses see customer slip-and-falls, theft and data breaches. Employee theft and shoplifting hurt profit margins. |
Trucking and Delivery Services | Commercial auto, general liability, cargo coverage, workers' compensation | Trucking companies and delivery services encounter vehicle accidents and cargo theft. Texas' size means longer hauls and higher liability exposure. |
How to Get the Best Cheap Business Insurance in Texas
Finding the right Texas business insurance can feel overwhelming when you're running a small operation. Cut through the noise and get financial protection that fits your budget with these steps:
- 1Determine risks specific to your Texas business
Assess your business's exposures including Texas-specific hazards like coastal hurricanes, Houston-area flooding and workplace injuries (Texas had 210,000 non-fatal injuries in 2020). Consider customer foot traffic, employee count, data storage, vehicle ownership and professional services. Each creates liability risks requiring different coverage.
- 2Compare companies and Texas insurance programs
Match your risks to policies and limits based on contracts, leases and actual exposure. Review lease requirements (usually $1 million per occurrence/$2 million aggregate for general liability), client contract requirements and asset values to set coverage that protects without over-insuring.
- 3Choose providers based on service, not just price
Get quotes from top Texas business insurers including ERGO NEXT, The Hartford and Simply Business. Also explore Texas-specific programs for coastal windstorm and flood coverage.
- 4Take advantage of discounts and Texas incentives
Bundle policies into a business owner's policy (BOP) for 20% to 30% savings compared to buying general liability and property insurance separately. Implement Texas-documented safety programs to reduce workers' comp premiums by 5% to 15%, pay annually instead of monthly (saves 5% to 10%) and consider higher deductibles (increasing from $250 to $1,000 can save 10% to 20%).
- 5Review coverage annually
Reassess needs every 12 months when revenue, employees, equipment or services change — each requires immediate coverage adjustments. Shop quotes from two to three competitors annually even if satisfied with current coverage. Monitor your workers' comp EMR rating and update policies within 24 hours when hiring employees, purchasing equipment or signing new contracts with different insurance requirements.
Best Business Liability Insurance in Texas: Bottom Line
ERGO NEXT, The Hartford and Simply Business ranked as Texas' best business insurance providers in MoneyGeek's analysis. Your ideal choice depends on your business risks and employee needs. Research each company's service quality, maximize discounts and select coverage within your budget.
Business Insurance in Texas: FAQ
Small business owners have questions about Texas business insurance. Here are answers to the most common questions:
What business insurance is required by law in Texas?
Texas keeps it simple. You need commercial auto insurance if you own vehicles ($30,000/$60,000/$25,000 limits). Workers' comp is optional unless you have government contracts. Licensed contractors need surety bonds. State law doesn't mandate general liability, but landlords and clients usually require it.
How much does business insurance cost in Texas?
MoneyGeek's analysis shows costs range from $74 to $148 monthly, depending on coverage. Workers' comp is cheapest at $74, while BOPs cost $148. The Hartford averages $85 monthly across all coverage types in MoneyGeek's study. Actual costs depend on your industry, business size and claims history.
Which company has the cheapest business insurance in Texas?
The Hartford leads at $85 monthly, followed by Thimble ($94) and Simply Business ($98). The Hartford also has the lowest rates for individual coverage types in MoneyGeek's analysis: general liability ($83), professional liability ($72) and workers' comp ($70).
What business insurance do I need for my small business in Texas?
Start with general liability for customer injuries and property damage. Add workers' comp if you have employees and commercial auto for business vehicles. Consultants need professional liability (E&O), while restaurants should add cyber liability and commercial property coverage. Contractors need tools and equipment protection against theft.
How We Scored the Best Business Insurance Companies in Texas
Texas small business owners need reliable coverage without breaking their budgets. MoneyGeek's methodology helps entrepreneurs choose insurance for hurricane risks and the state's optional workers' compensation laws.
MoneyGeek studied thousands of quotes from 79 industries across four coverage types for a two-employee firm with $300,000 annual revenue and $150,000 payroll. All policies included $1 million per occurrence and $2 million total per year, with BOPs adding $5,000 business property coverage.
- Affordability (50%): Rates across all coverage types were compared to find cost-effective options for small businesses.
- Customer experience (30%): J.D. Power satisfaction ratings, NAIC complaint data, online reviews and independent agency feedback measured service quality for claims processing.
- Coverage options (15%): Coverage types, policy limits and add-on options were evaluated for Texas' diverse industries and growing businesses.
- Financial strength (5%): AM Best ratings, Moody's assessments and financial reports confirmed insurers can pay claims after Texas' frequent weather disasters.
This approach helps Texas small business owners compare insurers on what matters most: affordable premiums, reliable service, adequate coverage and financial stability.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
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- Simply Business. "Simply Business Offers Insurance to Third-Party Sellers Through Amazon Insurance Accelerator." Accessed February 7, 2026.
- The Hartford. "Customer Claims Ratings and Reviews." Accessed February 7, 2026.
- Texas Department of Insurance. "Auto Insurance Guide." Accessed February 7, 2026.
- Texas Department of Insurance. "Workers' Compensation Insurance Guide." Accessed February 7, 2026.
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- Trustpilot. "Simply Business US." Accessed February 7, 2026.
- Trustpilot. "The Hartford." Accessed February 7, 2026.
- U.S. Energy Information Administration. "Texas State Energy Profile." Accessed February 7, 2026.