Texas Business Insurance

Running a business in Texas comes with big opportunities—and big responsibilities. That’s why having the right business insurance is so important. GEICO Insurance Agency helps you find personalized coverage options to help protect your business from unexpected costs like property damage, liability claims, or employee injuries. Whether you’re based in Houston, Austin, or anywhere in between, we make it easy to get the business insurance you need to keep your business moving forward.

Types of Texas Business Insurance Policies

Every business is different, and the type of insurance you need depends on how you operate. From small businesses to growing teams, GEICO Insurance Agency can help you secure coverage to help protect your business from the risks that come with running it. Here are some of the most common types of business insurance policies available in Texas:

  • Business Owners Policy (BOP): Combines general liability and property insurance into one convenient package.
  • General Liability Insurance: Helps cover costs if your business is held responsible for third-party injuries or property damage.
  • Professional Liability Insurance: Also known as errors and omissions insurance, this helps protect service-based businesses from claims of negligence or mistakes.
  • Product Liability Insurance: Helps protect your business if a product you make or sell causes harm or injury. Can be part of a BOP or purchased separately.
  • Commercial Auto Insurance: Protects vehicles used for business purposes, including coverage for accidents, theft, and liability.
  • Cyber Liability Insurance: Helps cover the costs related to data breaches, cyberattacks, and other digital threats.
  • Restaurant Insurance: A bundle that can include property, liability, and food spoilage for food service businesses.

Who Needs Business Insurance in Texas

Business insurance isn’t just for big corporations—it’s for anyone who owns or runs a business in Texas, including:

  • Small businesses
  • Contractors and construction professionals
  • Real estate agents and property managers
  • Restaurants, food trucks, and catering businesses
  • Retail shop owners and e-commerce sellers
  • IT consultants, software developers, and tech startups
  • Landscapers, cleaners, and other service providers
  • Freelancers and self-employed professionals
  • Transportation and delivery services

Don’t see your profession listed? No problem! GEICO Insurance Agency helps insure a wide range of businesses across Texas. You can explore coverage tailored to your industry by visiting the GEICO Business Insurance page. Let us help you find coverage that fits what you do.

Is Business Insurance Required in Texas?

Texas doesn’t require most businesses to carry general liability or professional liability insurance, but some coverages are still legally necessary depending on how your business works. For example, if your company owns or uses vehicles for work, you’re required to carry commercial auto insurance that meets the state’s minimum liability limits.

Additionally, while workers’ compensation insurance isn’t mandatory for private employers in Texas, certain contracts—especially with government agencies or larger corporations—may require it, and you could be held responsible for workplace injuries if you don’t have it.

Business insurance requirements can also vary based on your industry, the number of employees you have, and the services you provide. Failing to carry required insurance can lead to fines, legal penalties, or being denied contracts. Even when it’s not required by law, having the right coverage helps protect your business financially and shows your clients and partners that you’re serious about doing business the right way.

Need help finding the right coverage for your business? Get a free Texas business insurance quote through GEICO Insurance Agency today!

How Much Does Business Insurance Cost in Texas?

The cost of business insurance in Texas depends on several factors, including your industry, the size of your business, the number of employees, and where you're located. The types of coverage you choose, your coverage limits, and how risky your business activities are can also affect your premium. GEICO Insurance Agency makes it easy to get business insurance that fits your needs and budget.

Why GEICO Insurance Agency is the Best Choice for Business Insurance in Texas

Thousands of business owners across the country trust GEICO Insurance Agency to help protect what they’ve built—and for good reason. We make it easy to get the right coverage with affordable rates, flexible policy options, and specialist support every step of the way.

From mom-and-pop shops in Fredericksburg to growing operations in Corpus Christi, businesses of all sizes turn to GEICO Insurance Agency for help in securing dependable protection.

Need help? Our dedicated team is here with fast, friendly service whenever you need it. Through GEICO Insurance Agency, you get coverage you can count on and the peace of mind to focus on what matters most: running your business.

Get a Free Business Insurance Quote Today!

Ready to protect your business in the Lone Star State? Get a free business insurance quote from GEICO online, or contact us for personalized guidance.

Texas Business Insurance FAQs

  • How do I get a business insurance quote in Texas?

    Getting a quote is quick and easy. Just answer a few questions about your business—like what you do, how many employees you have, and where you're located—and GEICO Insurance Agency will help you find the right coverage. You can get started online or speak with one of our insurance specialists for personalized assistance.

  • What factors affect my business insurance rate in Texas?

    Your rate depends on several things, including your industry, business size, location, number of employees, and the type of coverage you choose.

  • Does GEICO Insurance Agency help secure coverage for home-based businesses in Texas?

    Yes, GEICO Insurance Agency can help secure coverage options for many home-based businesses across Texas. Even if you work from home, you may still need business insurance to protect your equipment, inventory, and liability risks that aren’t covered by a standard homeowners policy.

  • How can I save money on business insurance in Texas?

    Bundling multiple coverages under a Business Owners Policy (BOP), choosing the right coverage limits, and maintaining a good claims history can all help lower your premium. GEICO Insurance Agency also helps you find competitive rates and flexible options to help you get the protection you need at a price that works for your budget.