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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🏆A+ AM Best Rated (Munich Re)🏢750,000+ Businesses Insured⚡Get a Quote in 10 Minutes📄Instant Certificate of Insurance🕐24/7 Online Policy Management
Insurance Requirements in Texas
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Workers Comp
Optional (not mandatory)
🛡️
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🔩Auto Repair Shop🧒Daycare & Childcare🛍️Retail Store💼Consulting Firm📷Photography & Videography🏡Real Estate Brokerage🏭Manufacturing👷Construction🚗Car Wash Business🐾Veterinary Practice🛒Grocery Store & Supermarket📐Architecture Firm👕Laundromat & Coin Laundry💍Jewelry Store👗Clothing & Apparel Store🔧Auto Parts Store🛋️Furniture Store & Showroom💒Wedding Planner & Event Coordinator🖼️Interior Design Firm🏗️Drywall Contractor🧱Concrete Contractor🛣️Paving & Asphalt Contractor🚧Excavation & Grading Contractor🔲Tile & Stone Flooring Contractor🏠Insulation Contractor🏡Siding Contractor💧Waterproofing Contractor🛢️Oil Change Station🔄Tire Shop🪟Glazier (Glass Installation)🏗️Fence Installation Contractor🏚️Plastering & Stucco Contractor🪧Sign Installation Contractor🗑️Debris Removal & Hauling🚛Septic Tank Cleaning & Service🔨Home Renovation Contractor📈Financial Advisor🏘️Real Estate Investor🏠Real Estate Appraiser🔍Private Investigator🌉Civil Engineer📐Land Surveyor📋Insurance Claims Appraiser🔧Hardware Store📱Electronics Store💍Pawn Shop🖨️3D Printing Services🎤AV Equipment Rental for Events📊Actuarial Services📋Administrative Support Services📣Advertising & Promotions Agency🌿Alternative & Holistic Healing🖼️Art Classes & Studios🎨Art Restoration & Conservation🏛️Art Space & Gallery Rentals🎛️Audio & Video Equipment Technicians🌿Ayurveda Practice🪕Banjo Lessons🏦Banks & Credit Unions🏖️Beach Equipment Rentals💄Beautician🥤Beverage Manufacturing🚲Bike Rentals💨Blow Dry & Out Services🎯Bocce Ball Facility🎳Bowling Alley🥊Boxing Gym🍺Brewery📡Broadcast Technician🔍Building Inspector🤝Business Association🩺CPR & First Aid Training📞Call Center Service📷Camera & Photographic Equipment Repair🛠️Career & Technical Education Teachers🛋️Carpet & Upholstery Cleaning💵Check Cashing & Payday Loans🍎Cidery☕Coffee Shop🫖Coffee & Tea Manufacturing🌿Colonics & Colon Hydrotherapy🌻Community Garden💄Cosmetics & Beauty Supply💅Cosmetologist🎓Cosmetology Schools🪡Costume Attendants🎭Costumed Character Entertainment⛳Country Clubs🎨Craft Artists🧊Cryotherapy🧖Day Spas💳Debt Relief Services📣Demonstrators and Product Promoters🏬Department Stores🥗Dietitians and Nutritionists🏷️Discount Store📦Distributor🗑️Dumpster Rental✏️Editorial Services🎓Educational Guidance & Vocational Counselors🚨Emergency Management Directors💼Employment Agencies🏡Estate Liquidation🔍Etchers and Engravers🍽️Event Help and Wait Staff👓Eyewear and Optician Store🚧Fence and Gate Installation🤺Fencing Instructor💼Financial Adviser🔎Financial Examiners🎨Fine Artists🏋️Fitness and Exercise Equipment Store🏪Flea Markets🥫Food Banks🌍Foreign Language Teachers🤝Fundraisers⚱️Funeral Service Managers🕹️Game Centers🫧Glass Blowing Studios🪟Glass Dealers and Glaziers🤸Gymnastics Centers🏥Health Educators👂Hearing Aid Providers🦻Hearing Aid Specialists📜Historians🔋Home Energy Auditors🏠Home Inspectors🐴Horse Equipment Shops🔨In-Person Auctioneers🔍Insurance Inspectors💻Internet Cafes🔪Knife Sharpening Services💡Lighting Store🛏️Linen Supply Services🍾Liquor Store🏦Loan Officer🔑Locksmith⚙️Machine Shop📮Mailing Services💑Marriage and Family Therapist🧘Meditation Instruction🧠Mental Health Counselor⛳Miniature Golf Course🕊️Mortuary Services🎬Movie Theater🎛️Music Production Services🎸Musical Instrument Repair & Sales📰Newspaper & Magazine Store🌱Nurseries & Garden Center🦴Offices of Chiropractors🔭Optical Goods Manufacturing📦Packing Supplies Store🎨Paint Store🏠Paperhanger & Wallcovering Installer🎉Party Equipment Rentals🎭Performing Arts📋Personal Assistant✂️Pet Groomer💊Pharmacy & Drug Store📱Phone & Tablet Repair🖼️Photo Editing, Scanning & Restoration🛝Play Equipment Construction🍿Popcorn Shop📚Print Binding & Finishing📰Print Media🖨️Printing Services🎙️Radio & Television Announcer🎙️Recording & Rehearsal Studio♻️Recycling Center🙌Reiki Practitioner📰Reporter & Correspondent🪑Reupholstery & Furniture Repair🤝Independent Salesperson🗺️Scavenger Hunt & Adventure Game Operator🏫School (Private & Charter)👕Screen Printing & T-Shirt Printing📈Securities & Financial Services Sales Agent🗄️Self Storage Facility🎭Set & Exhibit Designer👟Shoe Repair Shop🪧Sign Making & Sign Installation🧀Specialty Food Store🎤Speech Training & Communication Coach⚽Sporting Goods Retailer🏋️Sporting & Athletic Goods Manufacturing🧵Tailor, Dressmaker & Custom Sewer☀️Tanning Salon🦷Teeth Whitening📞Telemarketing and Telesales Services🚗Title Loans🚬Tobacco Shop🌿Traditional Chinese Medicine🧭Travel Guides🏁Umpires Referees and Sports Officials🏙️Urban and Regional Planners🎰Vending Machine Operator📼Video Transfer Services🎬Video and Film Production📹Videographer💊Vitamins and Supplements Store🎤Vocal Coach💍Wedding Officiant⚖️Weight Loss Center🍷Winery🪵Wood Products Manufacturing✍️Writer🔧Mechanic Shop🏎️Garage Liability🚗Car Repair Shop🪚Subcontractor🏡Home Improvement Contractor🏗️Construction Company👨🍳Restaurant Owner🍱Food Service Business🍺Bar and Grill🌿Lawn Care Business🌱Lawn Service🏌️Groundskeeping❄️Air Conditioning Contractor🔥Heating Contractor🧹Commercial Cleaning Business🧽Janitorial Services🧺Maid Service🔌Electrical Contractor🪛Wiring Contractor🏚️Roofing Contractor🔨Roof Repair🚿Plumbing Contractor🧒Childcare Center🎒After School Program🏠Home Daycare💼Salon Owner✂️Hair Salon💈Barbershop Liability🏋️Fitness Center🏊Health Club🐩Dog Grooming🐾Veterinary Practice🏢Property Management Liability💻IT Consulting🖥️Software Company🎪Event Venue🍽️Catering Company🚚Food Truck Business🌮Mobile Food Vendor🏪Retail Store👗Boutique Shop🏭Warehouse Liability⚙️Manufacturing Plant🤝Nonprofit Organization⛪Church Liability📱Mobile Business🎨Painting Contractor🪚Carpentry & Woodworking🐛Pest Control🍺Bar & Nightclub🚗Auto Dealer⚖️Law Firm📣Marketing Agency🖥️IT Services & MSP👥Staffing Agency🏥Medical Office🦷Dental Practice💪Physical Therapy🦴Chiropractic Practice🏠Home Health Care🔑Landlord / Rental Property📦Delivery & Courier🐾Pet Grooming🎨Tattoo Shop & Body Piercing🥫Food Manufacturing📦Wholesale & Distribution💡Technology Company❤️Nonprofit Organization⛪Church & Religious Organization🏨Hotel & Motel📦Moving Company🌾Agriculture & Farming🛡️Insurance Agency💰Financial Services🏦Mortgage Broker🧘Wellness Center👴Senior Care & Assisted Living☀️Solar Installation🏗️Fence Contractor💐Florist & Flower Shop📚Tutoring & Education Services📊Bookkeeper & Bookkeeping Service🎨Graphic Designer💻Web Developer & Web Design🧑🍳Personal Chef & Private Catering🏃♀️Fitness Instructor🧹House Cleaning & Maid Service🔧Mobile Mechanic🤸Pilates Studio🏡Real Estate Agent💼Business Consultant📈Management Consultant🌟Life Coach💄Makeup Artist & Beauty Services🎹Music Teacher & Instructor📱Social Media Manager🎧DJ & Entertainment Services👥HR Consultant
Get Covered in Texas — 10 Minutes Online
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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.