Business Insurance in Houston, TX

Getting Small Business Insurance in Houston, TX

Houston is the fourth largest city in the U.S. So, it’s not surprising that with its size, it’s home to a diverse talent pool and positive business climate. In fact, the Space City has seen over 760 business expansions and relocations from 2018 to 2020.¹If you have a business here, you can also see growth and success, but you’ll need to have Texas business insurance.

As a small business owner, you face risks every day. Claims can come up during normal business operations. Without insurance coverage, you’d have to cover these claims out of pocket. That’s where business insurance, or commercial insurance, can help. With the right type of business insurance in Houston, TX, you can help protect your business and run a successful company.

How Much Is Business Insurance in Houston?

Business owners all pay different prices for business insurance in Houston. Your total cost will depend on unique factors, like what you do and how big your business is. Typically, the more coverage you need, the higher your business insurance costs. In addition, when you get business insurance, insurers can look at different factors to determine your cost. Some of these may include your business’:

Claims history
Years of experience
Size

The best way to find out how much you’d have to pay is to get an insurance quote.

What Types of Insurance Do Houston Businesses Need?

We offer different types of commercial insurance to help protect your Houston business. The more coverage you get, the more protection you give your company. Common coverages you can choose include:

Professional liability insurance Texas to help cover lawsuits claiming you made a mistake in the professional services given.
General liability insurance, which helps protect a business from claims that it caused bodily injury, advertising injury or property damage.
Commercial property insurance to help protect your owned or rented building and business property.
Commercial auto insurance to help protect you and your employees on the road if you get drive for business.
Workers’ compensation insurance, which gives your employees benefits to help them recover from a work-related injury or illness. When it comes to workers’ compensation in Texas, the state doesn’t require employers to carry this insurance.

Who Needs Small Business Insurance in Houston?

Companies in any industry need small business insurance in Houston. We offer coverage that can help businesses in many industries, including:

Business Insurance in Other Texas Cities

Our Texas business insurance can help businesses in Houston and other cities in the state. We offer coverage throughout the state, such as:

Get a Quote for Business Insurance in Houston, TX

You’ll want to work with an experienced insurance company when trying to protect your small business in Houston, TX. We have more than 200 years of experience and have helped more than 1 million small business owners. Our specialists can do the same for you to help protect your business. Whether it’s getting coverage or helping you file a claim, we’ve got your back. Get a quote for business insurance in Houston, TX today.

Common Questions About Austin, TX Business Insurance

Do I Need Insurance For My LLC in Houston?

Your limited liability company (LLC) separates your personal and business assets. But, you’ll still need insurance to help protect it from claims that can come up during normal business operations. That’s why LLC insurance is important. Without it, you’d have to cover claims out of pocket, which can get costly.

How Much Does Product Liability Insurance Cost for a Houston Business?

Product liability insurance is typically included in a general liability insurance policy. Your cost for liability coverage in Houston can depend on different factors. The best way to find out how much you’ll pay for liability insurance is to get a quote from an insurance company or work with an insurance agency.

¹ Greater Houston Partnership, “Why Houston?”