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
👷
Workers Comp
Optional (not mandatory)
🛡️
Typical GL Carried
$300,000 per occurrence (market standard — not a state law)
📋
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
Business Insurance in Nearby States
Operating across state lines? Compare coverage requirements for neighboring states.
Popular Industries in Texas
Get coverage tailored to your trade — including Texas workers' comp rules, licensing requirements, and cost estimates.
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Business Insurance FAQs — Texas
Is workers' compensation required in Texas?+
Texas has the broadest workers comp opt-out provisions of any state — workers comp is not mandatory for most 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.
What is the minimum general liability limit in Texas?+
Most Texas businesses carry at least $300,000 in GL coverage per occurrence. Commercial leases and client contracts often require $1M–$2M aggregate. Higher-risk industries and government contracts may require $5M+ in coverage.
How much does business insurance cost in Texas?+
Texas business insurance costs vary by industry. General liability runs $50–$500/month for most small businesses. Texas rates are typically near or slightly below the national average because workers' comp is not mandatory, reducing required premium bundles.
What is the Texas non-subscriber workers' comp option?+
Texas employers who opt out of workers' comp are called "non-subscribers." They lose common law defenses (assumption of risk, comparative negligence) in employee injury lawsuits. Most non-subscribers face higher legal exposure. Carrying workers' comp voluntarily is recommended for any Texas business with employees.
Texas-specific insurance requirements — what should I know?+
Workers comp NOT mandatory (non-subscriber option) TDLR licensing for some trades High hail and wind exposure — commercial property riders common
Can I get proof of insurance instantly in Texas?+
Yes. NEXT Insurance provides an instant certificate of insurance (COI) after you buy your policy online — no agent call required. Most Texas businesses are covered and have their COI in under 10 minutes. You can share it digitally with clients and general contractors.
About this content: Insurance Pro Agencies is a licensed independent insurance agency headquartered in Chicago, IL, serving clients since 1982. State regulatory information on this page — including workers' compensation thresholds, licensing requirements, and GL standards — was reviewed by the Insurance Pro Agencies editorial team, which includes licensed property and casualty insurance professionals. Regulatory details are verified against primary government sources including state department of insurance websites and workers' compensation commission publications. Laws and requirements are subject to change; verify current requirements with your state's licensing authority before making coverage decisions. Last reviewed: October 2026. Editorial Policy