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, handymen, 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.


Handyman insurance is required in Texas if you are a licensed contractor working for a construction company or a contract with the government. As a profession that is physically demanding, requires the use of various tools and provides many specialized services, it is crucial for those who own this type of business to obtain insurance.

As a Handyman, general liability insurance, or commercial general liability (CGL) insurance, is a great way to protect yourself and your small business from claims of bodily injury, property damage, and/or personal injury. For example, you might face a bodily injury claim if your client trips over an electrical cord or a ladder; or a property damage claim if you or one of your employees accidentally damages or breaks something in a client’s home, while you are on the job. Your CGL policy could cover any associated medical costs for the bodily injury claim and/or the cost to replace the damaged good in your clients home. You can protect your Handyman business from hypothetical scenarios like these, among others, with general liability insurance from Hiscox. 


Photography is a powerful art form, but doing it professionally means that photographers need to make smart business decisions. Hiscox helps photographers in Texas protect themselves and their businesses from lawsuits concerning personal injury, property destruction, professional negligence and a variety of other variables that are often unforeseen in the photography business.

Professional liability insurance protects photographers from claims that may occur, for example, as a result of faulty or corrupt memory cards and hard drives that store valuable photographs for a client. It may also protect against dissatisfied clients who may have miscommunicated expectations for a project. Hiscox’s general liability insurance can protect a photographer from bodily injury claims if a customer slips and falls in a studio or trips over a wire and sustains an injury. Damage to a client’s home or event space would also be covered in this case, and while liability insurance is optional for photographers in Texas, it is highly recommended that professionals be covered in the event of these unfortunate mishaps.  


Professional liability insurance is the most common type of insurance obtained by accountants. It covers a wide range of claims, including negligence and accounting mistakes when delivering services to customers. If an accountant fails to fulfill contractual obligations on time, then this type of insurance could help cover the costs that result in a client’s claim of lost business revenue. 

Accountants also obtain general liability insurance to protect against bodily injury, personal injury, and property damage. This type of insurance protects an accountant from claims, for example, if a client slips in the office to claims of personal slander, and more. These hypotheticals do happen, and that’s why it’s important for accountants to obtain insurance to cover many of these unfortunate scenarios. 

Personal trainers

Personal trainers help clients get in shape, train for marathons and recover after injuries. Due to the nature of this business, personal trainers often obtain liability insurance to protect them from claims of negligence. Given the unfortunate event that a client needs medical help as a result of physical training sessions, liability insurance could help cover costs incurred by the client. General liability insurance from Hiscox also helps protect personal trainers in Texas from bodily injury and property damage claims. For example, if a client trips over training equipment and blames the personal trainer for not keeping the area organized and safe, Hiscox can help protect the trainer from the client’s and other third-party claims of bodily injury and payment of medical costs. 

Workers compensation insurance is not required for personal trainers in Texas. However, this is an industry that focuses heavily on fitness stress and, sometimes, pushing the physical limits of the body. 

In Texas, the top 10 natures of injury in the workplace were of the following: strains (27.40%), contusion with bruise on skin surface (12.50%), sprains (8.90%), fracture (break of bone or cartilage) (8.80%), laceration (6.60%), multiple physical injuries (2.80%), inflammation (1.90%), dermatitis (1.70%), burn (1.60%), and puncture (1.60%).

here is a heightened risk of bodily injury for employees working with clients in the fitness industry, and it would be advantageous for personal trainers to obtain coverage for their employees.

Therapists and counselors

Business owners in every industry face certain risks, and those in the therapy and counseling practices are no different. If a patient files a claim against a practice for dissatisfaction – if they are not making progress or not receiving the care they expected – professional liability insurance can go a long way. For instance, if a marriage still suffers after significant therapy, clients can sue, and that’s when a therapist’s practice could benefit from insurance. Hiscox covers a broad range of mental health services, including: family counselors, hypnotists, marriage counselors, occupational therapists, psychologists, and social workers.  

Most therapist services have their own office space where clients can visit professionals. General liability insurance covers office owners if a client slips and falls in the office or a small fire breaks out from a candle or space heater. These are just a few of the many risks that demonstrate why a therapist or counseling service should obtain various forms of liability insurance. 

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:

General Liability Insurance for Texas

General liability insurance, known as Commercial General Liability (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 booths 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 judgment.

Learn more about general liability insurance costs for your business. 

Professional Liability Insurance for Texas

Professional liability insurance, also known as errors and omissions insurance (E&O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

  • 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. A professional liability policy could protect the tax preparer.

Learn more about professional liability insurance.

Business Owners Policy for Texas

Business owners policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide 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 insurance.

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 4.8/5
Rated 4.8/5

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.”


See More Reviews

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.