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Texas Business Insurance

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Texas Small Business Insurance

Hiscox knows that deep in the heart of Texas are small businesses that are in need for the right insurance for their business. Since we specialize in small business insurance, we currently offer a range of coverage, tailored to your needs.

Hiscox small business insurance offered in Texas

All small business owners should consider protecting their business with the right small business insurance. Hiscox small business insurance products available in Texas include:


Professional Liability Insurance, sometimes called errors and omissions insurance (E&O insurance) which is coverage for another person's claims against businesses that provide professional and personal services. Some examples of what could be covered are below:

  • Dissatisfied client: A business consultant is hired to increase a company’s productivity. The consultant advises the company to implement several internal processes, however the recommendations are not implemented as specified and productivity decreases rather than improving, causing the client to sue the consultant. A professional liability policy could protect the consultant, even if no mistake was made.
  • Negligence: A tax accountant is preparing taxes for this client. The client asks about a deduction he heard about and the tax preparer adds it in without checking to make sure it is accurate and applies to his client. The IRS fines the client who sues the tax preparer for negligence.

Learn more about professional liability insurance.


Errors and Omissions Insurance also known as professional liability insurance offers your small business protection against accusations of negligence of the failure to perform your professional services that any professional services can be sued for, even if it hasn’t made a mistake. You should seriously consider errors and omissions coverage if your business:

  • Provides a professional service
  • Regularly gives advice
  • Is required by its clients to have E&O insurance


Learn more about errors and omissions insurance


General Liability Insurance known as Commercial General Liability Insurance (CGL) protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

  • Bodily Injury: An event planner is setting up some booth’s for a client’s demonstration. A customer comes to look at booth and trips over some wires the event planner left out. The event planner’s general liability insurance policy could cover the customer’s medical costs, that result from the injury.
  • Property damage and data loss: A consultant spills coffee on an architect’s server causing damage. General liability insurance coverage could cover the subsequent claim up to general liability policy limits.
  • Personal injury: An assistant at a hair salon is overheard speaking negatively about one of the salon’s customers on her lunch break to other customers. Word gets back to the customer who then sues the salon for slander. A general liability insurance policy could cover defense costs as well as any settlement or judgement.


Learn more about general liability insurance.


Business Owners Policy (BOP) combines general liability and business property insurance. BOP insurance is often used to provided balanced coverage for small businesses who also want to protect their own business equipment. Some examples of  what could be covered are below:

  • Office insurance for fire and business interruption.
  • Electronic data loss insurance.
  • Hired or non-owned vehicle liability insurance.
  • Commercial crime insurance to cover the dishonesty of employees.


Learn more about business owners policy insurance.


Professional services businesses we insure in Texas

Not sure what type of Texas business insurance is right for you?

Give one of our licensed advisors a call at 866-283-7545 Monday thru Friday from 8:00AM-10PM EST and we will help you find the right insurance for your business.

Our products have been approved by the Texas Department of Insurance and are underwritten by Hiscox Insurance Company Inc., a Chicago, Illinois insurance company whose license number is 14835.



Rated 4.8/5 for customer satisfaction on feefo – 8,531 reviews

Jorge, Houston, Texas
“Excellent service by Hiscox”
Very good, responded quickly, gave me a reasonable quote and I purchased.

Alessandra, Dallas, Texas
“Excellent service by Hiscox”
My first time, so far so good.  

Yale, Texas
Service Rating  "Excellent"
Good price for better coverage


Maria, TX
"Good experience, helpful, satisfied"
I was very satisfied with the customer service. The person I spoke with was helpful and thorough and did a good job with gathering information and clarifying my information so that I tailored my insurance to my needs.



Tom, San Antonio, Texas
"Painless and efficient"
Painless and efficient. Your staff is very helpful and gets things done quickly. Made doing business with Hiscox a breeze.


Michael Gonzalez, Pearland, TX
"Very professional, flexible policy options, very satisfied. Great! The policy was sent to me right after payment, they even offered a money-back guarantee.”



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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and may not be available in all states. 

Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and Washington, D.C. 520 Madison Avenue, 32nd Floor, New York, NY 10022.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


Mon-Fri: 8am - 10pm ET