Retail & Storefront Businesses
Contractors
Garages
Commercial Property
Restaurants
All Texas Industries
WHAT WE DO
Small Business Insurance Coverages for Every Texas Industry
Retail & Storefront Businesses
Whether you run a boutique, gift shop, convenience store, or any retail business — we protect your inventory, property, customers, and employees. Coverage includes general liability, commercial property, theft protection, and workers' compensation for your retail staff.
Contractors & Construction
Coverage for customer injuries, property damage, legal fees, attorney costs — plus equipment coverage, workers' comp, and financial planning for contractors.
Auto Garages & Repair Shops
Garage liability plus Garagekeepers insurance protecting customer vehicles in your care. Equipment coverage and workers' comp included.
Commercial Property
Expert coverage including coastal and hard-to-insure properties. Protection from fire, storms, theft, and vandalism — whether you occupy or rent the space.
Restaurants & Food Service
General liability, liquor liability, commercial auto, property damage, and loss of business income. Plans designed specifically for Texas restaurant owners.
FAQ
Frequently Asked Questions
How much does small business insurance cost in Texas?
The cost depends on your industry, business size, and coverage type. Most small Texas businesses pay between $500–$3,000 per year for general liability. Restaurants and contractors typically pay more due to higher risk. The best way to know your exact cost is a free quote — we shop multiple top-rated carriers to find you the best price.
What is the difference between general liability and commercial property insurance?
General liability covers injuries and damages to other people — like a customer slipping in your store. Commercial property covers damage to your own building, equipment, and inventory — like a fire or theft. Most Texas small businesses need both. We help you bundle them for the best coverage at the best price.
Do Texas restaurants need liquor liability insurance?
Yes — if your restaurant serves alcohol you need liquor liability insurance. Without it, you could be held personally responsible if a customer causes an accident after drinking at your establishment. Texas law allows lawsuits against businesses that over-serve alcohol. This coverage is affordable and essential for any Texas restaurant or bar.
Does my Texas contractor business need insurance?
Absolutely. Most Texas clients and general contractors require proof of insurance before hiring a subcontractor. Without it you cannot bid on most commercial jobs. Contractor insurance covers customer property damage, third-party bodily injury, equipment, and legal fees. We specialize in affordable contractor coverage throughout all of Texas.
Can you insure small businesses everywhere in Texas?
Yes — we insure small businesses throughout all of Texas including Houston, Dallas, Fort Worth, Austin, San Antonio, El Paso, Brownsville, and everywhere in between. As an independent agent we shop dozens of top-rated carriers to find the right coverage for your specific business and location.