Business insurance in Texas
From one-truck contractors to growing companies, we shop many carriers to protect what you've built, and we can usually turn around certificates fast.
Rather talk? Call or text (281) 379-5400
Coverage built around your life
General liability
Customer injuries, property damage, and advertising claims.
Business owner's policy
GL plus property in one affordable package.
Commercial auto
Trucks, vans, and cars used for work.
Workers' compensation
Medical and wage benefits for injured employees.
Professional & cyber
Errors and omissions, data breaches, and ransomware.
Property, bonds & umbrella
Buildings, equipment, builder's risk, surety bonds, and extra liability.
One local agent. Many carriers.
We compare quotes from top-rated carriers and walk you through the options. Farmers, Bristol West, and Foremost are our primary carriers, and we have access to many more.
Carrier availability depends on coverage type, property, and underwriting.
What Texans should know
Workers' comp is optional in Texas, with trade-offs
Texas is the only state that lets most private employers opt out of workers' compensation. Non-subscribers give up important legal protections and must notify employees and the state. Many government contracts and general contractors require coverage.
Personal auto may not cover work vehicles
Using a personal policy for business driving can leave claims unpaid. Vehicles titled to a business or used for hauling, deliveries, or job sites usually need commercial auto.
Hail and wind hit businesses too
Commercial property in Texas often carries separate wind/hail deductibles. Coastal properties may need TWIA windstorm coverage.
Certificates of insurance
Need a COI for a job? Email service@taltonagency.com with the certificate holder's details and we'll get it out quickly.
Common questions
What insurance does a small business need in Texas?
Most start with general liability, plus commercial auto if you have work vehicles and property coverage for your space and equipment. Contracts often add workers' comp, umbrella, or bonds.
Can you insure contractors and trades?
Yes. We work with carriers that specialize in contractors, from handyman and HVAC to roofing and remodeling.
Do you write surety bonds?
Yes. We can help with contract, license, and permit bonds through our surety partners.
How fast can I get a certificate of insurance?
Usually the same business day. Email service@taltonagency.com or call (281) 379-5400.
Can you bundle my business and personal policies?
Yes. Many owners like having one local agent for both.
Talk to a real Texas agent
25+ years helping Texans. Licensed in Texas, #3522877. Mon–Fri 8–5, Sat 9–1.
Check my priceCall (281) 379-5400