Average Business Insurance Cost Texas (2026)

Construction is the most expensive Texas trade to insure, running from about $554 to $1,046 a month even for a small crew, because the physical risk is priced into every line. Figures use a pickup truck, the standard crew vehicle.

• Minimum: General liability and workers' comp together run about $554 a month ($343 and $211). Texas doesn't require workers' comp, but general contractors routinely carry it to win jobs, and job-site injury exposure is high.
• Recommended: Adding a pickup truck for hauling crew and materials brings the total to about $819 a month, since personal auto won't cover work use.
• Comprehensive: At roughly $1,046 a month, the package adds commercial property ($138) for tools and equipment and professional liability ($89) for design-build or contract disputes.

Trucking and freight run from about $1,543 to $1,905 a month, driven almost entirely by commercial auto, which reflects Texas's role as the nation's top freight and export corridor. Figures use a non-hazmat semi-truck.

• Minimum: General liability ($84) plus commercial auto on a semi ($1,460) comes to about $1,543 a month, with the truck as the single largest line by far.
• Recommended: Workers' comp for drivers and dock staff adds $226, pushing the total to roughly $1,769 a month.
• Comprehensive: Around $1,905 a month covers commercial property ($71) for terminal space and cyber ($65) for dispatch systems. Freight haulers typically also carry motor truck cargo insurance for the goods in transit, which commonly starts around $40 to $100 a month, according to Progressive Commercial; that line isn't in MoneyGeek's dataset.

Manufacturing runs from about $567 to $1,328 a month, with commercial property dominating the low end because plant equipment and inventory are the core exposure. Figures use a box truck.

• Minimum: General liability ($69) and commercial property ($498) for machinery and the facility come to about $567 a month.
• Recommended: Workers' comp for floor staff adds $108, bringing the total to roughly $674 a month, priced high because the work is physical.
• Comprehensive: At about $1,328 a month, the package adds a box truck ($576) for moving product and cyber ($78) for production systems. Many manufacturers also carry product liability, often folded into general liability, which covers claims that a finished product caused injury or damage, per the Insurance Information Institute.

Retail runs from about $343 to $716 a month, with commercial property doing most of the heavy lifting because inventory and a storefront are the main exposures. Figures use a van.

• Minimum: General liability ($110) for customer injuries and commercial property ($233) for the space and inventory total about $343 a month.
• Recommended: Adding workers' comp once there's sales-floor staff brings the total to roughly $384 a month.
• Comprehensive: For about $716 a month, the package adds cyber ($97) for card payments and a van ($235) for deliveries.

A Texas restaurant or food business runs from about $197 to $626 a month, with the jump at the top end coming from a vehicle rather than the core policies. Figures use a food truck, a common format in the state's urban markets.

• Minimum: General liability ($124) and commercial property ($73) for kitchen equipment come to about $197 a month.
• Recommended: Workers' comp for kitchen and service staff adds $30, bringing the total to roughly $227 a month.
• Comprehensive: Around $626 a month adds cyber ($88) for card payments and a food truck ($311) for catering or a mobile arm. Establishments serving alcohol in Texas also need liquor liability, which the Texas Alcoholic Beverage Commission requires many license holders to carry; it isn't part of MoneyGeek's dataset.

Healthcare runs from about $254 to $712 a month, with the range widening sharply once you add the building and equipment a clinic depends on. Figures use a van.

• Minimum: General liability ($209) and professional liability ($45) for claims tied to patient care total about $254 a month.
• Recommended: Adding workers' comp for clinical and front-desk staff brings the total to roughly $293 a month.
• Comprehensive: At about $712 a month, the package adds commercial property ($293) for the facility and cyber ($126) for patient records, a real exposure given medical data breach risk.

Cleaning businesses run from about $188 to $543 a month, with the cost climbing once crews start driving between job sites. Figures use a van.

• Minimum: General liability ($98) for damage at a client site and workers' comp ($90) come to about $188 a month, with the comp line priced up because the work is physical.
• Recommended: Adding a van for crews and equipment brings the total to roughly $446 a month.
• Comprehensive: For about $543 a month, the package adds commercial property ($27) for supplies and cyber ($71) for scheduling and payment systems. Many janitorial firms also add a janitorial bond, which reimburses clients for employee theft and often costs under $20 a month, according to Insureon; bonds aren't in MoneyGeek's dataset.

Tech and IT firms are among the cheapest to insure at the entry level, from about $102 to $341 a month, but the mix tilts toward cyber and professional liability rather than physical coverage. Figures use a van.

• Minimum: General liability ($27) and professional liability ($75) for errors in the work delivered total about $102 a month.
• Recommended: Cyber coverage adds $170, the largest single line for this field, bringing the total to roughly $271 a month given the data and systems these firms handle.
• Comprehensive: Around $341 a month adds workers' comp ($34) for employees and commercial property ($36) for office equipment.

Consulting is one of the lowest-cost fields to insure, running from about $84 to $208 a month, because there's little physical risk and the main exposure is the advice itself. Figures use a sedan.

• Minimum: General liability ($33) and professional liability ($51) for claims that guidance caused a client loss come to about $84 a month.
• Recommended: Adding cyber for client data held electronically brings the total to roughly $192 a month.
• Comprehensive: For about $208 a month, the package adds workers' comp once there's staff.

Real estate offices run from about $121 to $235 a month, with professional liability as the anchor because transaction and disclosure disputes are the main risk. Figures use an SUV.

• Minimum: General liability ($48) and professional liability ($73), often called errors and omissions in this field, total about $121 a month.
• Recommended: Adding cyber for client financial data and wire-fraud exposure brings the total to roughly $204 a month.
• Comprehensive: At about $235 a month, the package adds commercial property ($13) for the office and workers' comp ($18) for staff.

Gyms and studios run from about $135 to $301 a month, with general liability leading because client injury is the defining risk. Figures use a van.

• Minimum: General liability ($104) for member injuries and professional liability ($31) for instruction claims come to about $135 a month.
• Recommended: Workers' comp for trainers and front-desk staff adds $50, bringing the total to roughly $185 a month.
• Comprehensive: Around $301 a month adds commercial property ($33) for equipment and cyber ($82) for membership and payment data.

Salons, spas and wellness studios are inexpensive to insure, from about $76 to $203 a month, because most operate from a single fixed location without vehicles. This trade has no commercial auto rows in the data, so packages stay property- and liability-based.

• Minimum: General liability ($42) and professional liability ($34) for claims tied to treatments total about $76 a month.
• Recommended: Adding commercial property for chairs, equipment and product inventory brings the total to roughly $102 a month.
• Comprehensive: For about $203 a month, the package adds workers' comp ($13) for staff and cyber ($89) for booking and payment data.