Business Insurance in Texas

Texas doesn't mandate workers' comp for private employers — but most clients require it. GL minimum is $300K. Find the right coverage for your industry with a free 10-minute quote.

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Insurance Requirements in Texas

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Workers Comp

Optional (not mandatory)

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GL Minimum

$300,000 per occurrence (typical)

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Key Requirement

Workers comp NOT mandatory (non-subscriber option)

Texas-Specific Requirements

  • ✓Workers comp NOT mandatory (non-subscriber option)
  • ✓TDLR licensing for some trades
  • ✓High hail and wind exposure — commercial property riders common
  • ✓Some cities require WC for public contracts

Insurance by Industry in Texas

Every industry has unique risk factors in Texas. Find your industry below.

🏗️General Contractor🍽️Restaurant🧹Cleaning Services🌿Landscaping & Lawn Care⚡Electrical Contractor🔧Plumbing Contractor❄️HVAC Contractor🏠Roofing Contractor🛠️Handyman Services✂️Hair Salon & Barbershop🏋️Personal Trainer🚛Trucking Company🔩Auto Repair Shop🧒Daycare & Childcare🛍️Retail Store💼Consulting Firm📷Photography & Videography🏡Real Estate Brokerage🏭Manufacturing👷Construction
View all industries →

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Business Insurance FAQs — Texas

Texas is the only state where workers' comp is not mandatory for private employers. However, most commercial clients and general contractors require proof of workers' comp as a contract condition. Businesses that opt out also lose legal defenses against employee injury lawsuits.