Texas Commercial Business Insurance
From an Independent Agency Texans Have Trusted Since 2002
Running a business in Texas comes with risks — and the right insurance protects everything you have built. Whether you are a contractor, restaurant owner, retailer, trucker, or office-based professional, we shop numerous carriers to build the right commercial policy at the right price.
What Commercial Insurance Covers
General Liability Insurance
Covers third-party bodily injury, property damage, and advertising injury claims against your business.
Business Owners Policy (BOP)
Bundles general liability with commercial property insurance — cost-effective for small businesses.
Commercial Auto
Covers vehicles used for business: trucks, vans, fleets, and tools-of-the-trade.
Workers Compensation
Covers medical bills and lost wages for injured employees. Helps protect your business from lawsuits.
Professional Liability (E&O)
Covers claims that your professional advice or services caused a client financial loss.
Commercial Property
Covers your building, equipment, inventory, and tools from fire, theft, and weather.
Cyber Liability
Protects against data breaches, ransomware, and cyber attacks on your business systems.
Why Texans Choose A-Tex for Commercial Insurance
Independent Agency
We work for you, not the insurance company. We compare numerous carriers to find your best rate.
Family-Owned Since 2002
Two decades of helping Texans protect what matters most. Family-owned, Christian-based, locally trusted.
Real People, Real Service
No call centers. No runaround. Talk to the same friendly Texans every time you call.
Commercial Insurance FAQs
What is a Business Owners Policy (BOP)? +
A BOP bundles general liability and commercial property insurance into one cost-effective policy designed for small to mid-size businesses. It is often cheaper than buying both separately.
Is workers compensation required in Texas? +
Texas is the only state that does not require most private employers to carry workers compensation. However, going without it leaves your business exposed to costly employee injury lawsuits. We strongly recommend it.
Do I need commercial auto insurance for a personal vehicle used for work? +
Most likely yes. Personal auto policies typically exclude coverage when a vehicle is used for business purposes (deliveries, hauling, client visits). A commercial auto policy fills the gap.
What does general liability cover for a Texas contractor? +
It covers third-party injuries on the job site, damage to a client's property, and certain completed-work claims. Most general contractors and subs are required to carry it to bid jobs.
How much commercial insurance do I need? +
It depends on your industry, revenue, employees, assets, and contracts. We will sit down with you and tailor a policy to your specific business.
Ready to Get Started?
Get a free, no-obligation commercial insurance quote in minutes. We will compare numerous carriers and respond within one business day.