Texas Business Insurance

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Small business insurance in the Lone Star State

If you’re one of Texas’s 2.6 million small business founders, you have a lot of reasons to be proud. Small businesses in Texas play a major role in the state’s economic health, employing 4.7 million employees, or nearly half of all available workers in this sizable state. In order to encourage entrepreneurs to start and grow their businesses here, Texas keeps its industry regulations fairly lax. However, many entrepreneurs have discovered that true opportunities for business advancement come not from the lack of state oversight but from the feeling of security imbued by protecting their business from potential liabilities. 

Top covered industries in Texas

Hiscox offers custom insurance, tailored toward the specific needs and risks present in each of Texas’s most prominent industries.

Photographers, handypersons, accountants, personal trainers and therapists/counselors are just a few of our most popular professionals to insure in Texas – each with an insurance policy customized to the risks in their industry.

More professions we insure in Texas

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.

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

Key Texas laws and conditions driving increased business liability rates

Texas is quite different from other states when it comes to small business insurance. While workers compensation insurance is not a state requirement, small business owners in Texas are required to pay for an employee’s occupational injury expenses. Other forms of commercial insurance are sometimes also required, and Hiscox can help businesses with such requirements.

While many other forms of insurance are not required, they are highly recommended in order to protect small business owners from claims of liability due to bodily injury, property damage, personal injury and advertising injury. Having the right insurance can empower entrepreneurs to make the decisions necessary to grow their businesses without fear. Small business insurance, through Hiscox, can protect you and your business with insurance tailored towards the risks in your industry. 


Texas Workers Compensation laws

While workers compensation insurance is optional for most small business owners in the state, Texas requires that construction companies on contract for governmental entities to obtain coverage. According to the National Federation of Independent Businesses (NFIB), employers not carrying insurance are non-subscribers and must notify employees; however, they could still be liable in a civil suit. Workers have the legal right to file compensation claims if they think they have a genuine case and their employer refuses to pay benefits.

It is highly recommended to carry insurance that would cover your business and employees. According to ProActive Partners, Texas has held the record for the most fatalities on the job (exceeding 100) in a year. In 2017, the largest number of injury claims were found in the following industries: educational services (11,736), manufacturing (11,405), public administration (10,445), admin and support and waste management (8,330), construction (8,149), and healthcare and social assistance (6,468).

How can Hiscox help your business in Texas?

One-size-fits-all insurance policies are a thing of the past! At Hiscox, we work to build deep understandings of the risks in each of the industries we serve in order to provide YOU solutions that are tailored to fit the unique needs of your business.

In addition, we offer a range of benefits designed to let you take the next step with your business while we worry about the risks:

  • Flexible payment options: Managing your cash flow can be tough. Take advantage of our monthly payment option (with no fees) to help you take control of your future.
  • Tailored insurance: We offer you the ability to custom build your own insurance plan to meet the needs of your business and save you money.
  • Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
  • Worldwide coverage: A Texas business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.

Get a fast, free quote now and get that Hiscox confidence behind your Texas business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.

Hiscox Customer Reviews

Hiscox rated 4.7/5
Rated 4.7/5

5 Stars

Jorge, Houston, Texas

“Excellent service by Hiscox”

Very good, responded quickly, gave me a reasonable quote and I purchased.


5 Stars

Alessandra, Dallas, Texas

“Excellent service by Hiscox”

My first time, so far so good.


5 Stars

Yale, Texas

Service Rating "Excellent"

Good price for better coverage


4 Stars

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.


5 Stars

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.


5 Stars

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. 5 Concourse Parkway, 21st Floor, Atlanta, GA 30328.