{"id":2856,"date":"2023-10-29T23:02:30","date_gmt":"2023-10-29T23:02:30","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=2856"},"modified":"2023-11-01T01:33:43","modified_gmt":"2023-11-01T01:33:43","slug":"business-insurance-texas","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/business-insurance\/business-insurance-texas\/","title":{"rendered":"Business Insurance Texas: Coverage, Types, Cost &amp; More"},"content":{"rendered":"<p>Obtaining quick and affordable business liability insurance in Texas is easier than ever. Business liability specialists make qualifying for lower rates and faster liability insurance quotes with one or more insurance providers more accessible and convenient than ever. Experts in this field can help you, whether you want to procure your TX business insurance or receive immediate business insurance quotes online.<\/p><h2 class=\"wp-block-heading\" id=\"h-business-insurance-texas-nbsp\"><span id=\"business-insurance-texas\"><strong>Business Insurance Texas&nbsp;<\/strong><\/span><\/h2><p>Although Texas does not have a general requirement for business insurance, certain types of policies or plans may require a certain amount of coverage. Regardless, the following are ones that a small business owner should be aware of and consider:<\/p><h3 class=\"wp-block-heading\" id=\"h-1-general-liability-business\"><span id=\"1-general-liability-business\"><strong>#1. General Liability Business<\/strong><\/span><\/h3><p>In Texas, general liability insurance offers comprehensive protection for your business against lawsuits from outside parties. Three main areas are the focus of these claims:<\/p><ul class=\"wp-block-list\"><li>Property damage<\/li>\n\n<li>Bodily injuries<\/li>\n\n<li>Advertising and personal harm<\/li><\/ul><p>Because of how comprehensive the coverage is, this is one of the most crucial policies a business should have. If your company&#8217;s negligence harms someone or their property, you can file a general liability claim.<\/p><p>Read also: <a href=\"https:\/\/businessyield.com\/ins\/car-insurance\/tow-truck-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">TOW TRUCK INSURANCE: Coverage, Cost and Requirements<\/a><\/p><p>Product liability coverage is often included with general liability to protect against claims from products you manufacture or distribute. It might also be insurance against harm done to a building that your company leases.<\/p><h3 class=\"wp-block-heading\" id=\"h-2-professional-liability\"><span id=\"2-professional-liability\"><strong>#2. Professional Liability<\/strong><\/span><\/h3><p>Professional liability insurance, often known as errors and omissions (E&amp;O) insurance, is targeted chiefly at service-related companies. You would look to this coverage for assistance if someone said you failed to fulfill a contract or offered them poor financial advice. You should consider this policy if you own an architecture firm or financial planning business in Texas.<\/p><h3 class=\"wp-block-heading\" id=\"h-3-commercial-property\"><span id=\"3-commercial-property\"><strong>#3. Commercial Property<\/strong><\/span><\/h3><p>Since it is first-party coverage, it is just for your property and not that of another party. You should consider getting this insurance if you own a building, have furnished a rented office space, or have a warehouse full of goods. The policy may include additional coverage for tools and equipment, or you may need to obtain separate insurance, depending on how the provider constructs the policy.<\/p><p>Coverage is usually restricted to the specified location, and losses are handled on a named-peril basis. This indicates that the kinds of losses insured are defined in the policy; for example, losses resulting from vandalism, theft, or fire may be covered. However, the roof and office couch&#8217;s wear and tear are not covered.<\/p><p>See: <a href=\"https:\/\/businessyield.com\/ins\/home-insurance\/best-homeowner-insurance-texas\/\" target=\"_blank\" rel=\"noreferrer noopener\">BEST HOMEOWNERS INSURANCE IN TEXAS FOR 2023<\/a><\/p><h3 class=\"wp-block-heading\" id=\"h-4-business-income-insurance\"><span id=\"4-business-income-insurance\"><strong>#4. Business Income Insurance<\/strong><\/span><\/h3><p>When a Texas company suffers property damage from an insured peril like a fire, theft, or natural disaster, business income insurance steps in to help make up for lost revenue. You can protect your company&#8217;s income against several threats with the help of business income insurance. Business owners in Texas may want to consider business income insurance if they have any of the following:<\/p><ul class=\"wp-block-list\"><li>Businesses selling goods to the general public, either online or in physical stores.<\/li>\n\n<li>Organizations that keep their data with cloud storage providers<\/li>\n\n<li>Businesses providing a service, such as a hair salon, must have a specific location to function.<\/li><\/ul><h3 class=\"wp-block-heading\" id=\"h-5-business-owner-policy-bop\"><span id=\"5-business-owner-policy-bop\"><strong>#5. Business Owner Policy (BOP)<\/strong><\/span><\/h3><p>Business property and general liability insurance are combined into a straightforward policy called a business owner&#8217;s policy. Data breach coverage is only one of several optional coverages Texas companies can add to their BOP.&nbsp;<\/p><p>When should you think about getting a business owner&#8217;s policy?<\/p><ul class=\"wp-block-list\"><li>You can get this policy if your company has a physical presence in Texas, whether it is an office, a storefront, or a house.<\/li>\n\n<li>You have business assets that can be damaged or stolen, such as goods, furniture, and digital assets.<\/li><\/ul><h3 class=\"wp-block-heading\" id=\"h-6-cyber-liability\"><span id=\"6-cyber-liability\"><strong>#6. Cyber Liability<\/strong><\/span><\/h3><p>Cyber liability insurance is typically divided between first- and third-party coverage, similar to a BOP. First-party cyber liability covers the costs associated with a data breach, such as investigating and alerting those affected.<\/p><p>Third-party liability is insurance that can help your company if a customer decides to sue you for negligence. This policy section can also assist with fines and penalties imposed by the government or private entities.<\/p><h2 class=\"wp-block-heading\" id=\"h-general-liability-business-insurance-texas-nbsp\"><span id=\"general-liability-business-insurance-texas\"><strong>General Liability Business Insurance Texas&nbsp;<\/strong><\/span><\/h2><p>The state of Texas requires general liability insurance for most business owners. General liability coverage aims to protect Texas business owners against direct or indirect damages from another party. Your liability insurance helps compensate for damages caused by your company&#8217;s or employees&#8217; activities. <\/p><p>Texas general liability insurance covers property damage and bodily injuries sustained by customers, visitors, and subcontractors. Texas business owners have options regarding insurance deductibles and policy restrictions.<\/p><p>General liability insurance shields your small business from complaints that it caused injury or property damage to other parties. You would have to pay for these claims out of pocket if you did not have general liability coverage. Commercial general liability insurance, comprehensive general liability (CGL), and &#8220;general liability insurance&#8221; (GLI) are all other names for the same thing.<\/p><p>You&#8217;ll be protected from claims of:&nbsp;<\/p><ul class=\"wp-block-list\"><li>Physical injury<\/li>\n\n<li>Damage to property<\/li>\n\n<li>Reputational damage<\/li>\n\n<li>Advertising injury<\/li>\n\n<li>Damage to rented property:&nbsp;<\/li><\/ul><p>Start protecting your business. Get a quote for general liability insurance for your small business today.<\/p><pre class=\"wp-block-verse\"><strong>Tip:&nbsp;<\/strong>Obtaining a quote is the easiest approach to determining the cost of your general liability insurance.<\/pre><h2 class=\"wp-block-heading\" id=\"h-business-insurance-texas-cost-nbsp\"><span id=\"business-insurance-texas-cost\"><strong>Business Insurance Texas Cost&nbsp;<\/strong><\/span><\/h2><p>The cost of liability insurance in Texas can vary significantly between insurance companies. Taking this into account is a standard method of calculating liability insurance rates.\u00a0<\/p><p>a) the business&#8217;s gross sales,&nbsp;<\/p><p>b) the gross payroll for employees and owners,&nbsp;<\/p><p>c) the square measurement of the premises and\u00a0<\/p><p>d) any subcontractor exposures (if applicable).&nbsp;<\/p><p>The insurance cost is determined at a rate per $1,000 using one or more of the previously mentioned factors.<\/p><p>A typical small business in Texas should expect to pay between $300 and $5,000 per year for general liability insurance. The final cost of liability coverage will differ markedly from one business to the next based on the SIC code or the insurance company&#8217;s classification scheme for the GL rating. When calculating insurance prices, additional considerations include the kind of company you operate, its physical location, prior claims experience, and years in business.<\/p><h2 class=\"wp-block-heading\" id=\"h-business-insurance-texas-for-llc\"><span id=\"business-insurance-texas-for-llc\"><strong>Business Insurance Texas for LLC<\/strong><\/span><\/h2><p>Commercial general liability insurance is not required in Texas, but it protects business owners from liability claims for bodily harm, property damage, and personal and advertising injury (slander). The Texas Department of Insurance has more information on Texas business insurance regulations.<\/p><p>Members of an LLC enjoy some shielding from personal liability, but this is not permanent; your company is still vulnerable to lawsuits. LLC general liability insurance protects your company from legal action by injured or damaged third parties.<\/p><h5 class=\"wp-block-heading\" id=\"h-related-texas-business-insurance-cost-best-services-amp-amp-quotes\"><span id=\"related-texas-business-insurance-cost-best-services-amp-quotes\">Related: <a href=\"https:\/\/businessyield.com\/ins\/business-insurance\/texas-business-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>TEXAS BUSINESS INSURANCE: Cost, Best Services &amp;amp; Quotes<\/strong><\/a><\/span><\/h5><h2 class=\"wp-block-heading\" id=\"h-what-insurance-is-needed-for-a-texas-business-nbsp\"><span id=\"what-insurance-is-needed-for-a-texas-business\"><strong>What Insurance is Needed for a Texas business?&nbsp;<\/strong><\/span><\/h2><p>This form of business liability coverage is essential for all Texas businesses. It protects against third-party hazards and is required for most business leases.<\/p><h2 class=\"wp-block-heading\" id=\"h-is-llc-required-to-have-insurance-in-texas-nbsp\"><span id=\"is-llc-required-to-have-insurance-in-texas\"><strong>Is LLC Required to Have Insurance in Texas?&nbsp;<\/strong><\/span><\/h2><p>Commercial general Liability insurance is not required in Texas, but it protects business owners from liability claims for bodily harm, property damage, and personal and advertising injury (slander).<\/p><h2 class=\"wp-block-heading\" id=\"h-how-much-is-general-liability-insurance-for-an-llc-in-texas-nbsp\"><span id=\"how-much-is-general-liability-insurance-for-an-llc-in-texas\"><strong>How Much Is General Liability Insurance for an LLC in Texas?&nbsp;<\/strong><\/span><\/h2><p>A typical small business in Texas should expect to pay between $300 and $5,000 per year for general liability insurance. The final cost of liability coverage will differ significantly from one business to the next based on the SIC code or the insurance company&#8217;s classification scheme for the GL rating.<\/p><h2 class=\"wp-block-heading\" id=\"h-do-small-businesses-in-texas-have-to-offer-health-insurance-nbsp\"><span id=\"do-small-businesses-in-texas-have-to-offer-health-insurance\"><strong>Do Small Businesses in Texas Have to Offer Health Insurance?&nbsp;<\/strong><\/span><\/h2><p>The number of employees determines it. As previously stated, companies with over 50 employees must provide affordable health insurance under the Affordable Care Act. This is a federal law, not a Texas law.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-does-llc-protect-you-from-in-texas-nbsp\"><span id=\"what-does-llc-protect-you-from-in-texas\"><strong>What Does LLC Protect You From in Texas?&nbsp;<\/strong><\/span><\/h2><p>LLCs include the components of a partnership, a single proprietorship and a corporation. One advantage of founding an LLC in Texas is that you will be protected if the LLC incurs debts or is sued.<\/p><h2 class=\"wp-block-heading\" id=\"h-who-is-liable-for-llc-texas-nbsp\"><span id=\"who-is-liable-for-llc-texas\"><strong>Who Is Liable for LLC Texas?&nbsp;<\/strong><\/span><\/h2><p>Owners of a limited liability company (LLC) are called &#8220;members.&#8221; Any person or organization, including but not limited to a partnership, corporation, trust, or other business, can become a member. Members may benefit from the pass-through tax status given to partners in a partnership and have their liability limited to the amount they have invested.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-is-the-difference-between-a-sole-proprietorship-and-an-llc-nbsp\"><span id=\"what-is-the-difference-between-a-sole-proprietorship-and-an-llc\"><strong>What Is the Difference Between a Sole Proprietorship and an LLC?&nbsp;<\/strong><\/span><\/h2><p>The main distinction is whether, in the event of a lawsuit or debt collection, you bear the responsibilities and obligations of the company or if you have limited liability for the business&#8217;s debts and obligations, as with an LLC.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-happens-if-i-don-t-get-business-insurance-nbsp\"><span id=\"what-happens-if-i-dont-get-business-insurance\"><strong>What Happens If I Don&#8217;t Get Business Insurance?&nbsp;<\/strong><\/span><\/h2><p>If something were to happen to your building, you wouldn&#8217;t be able to keep operating, and eventually, you would lose custody of your property.<\/p><h2 class=\"wp-block-heading\" id=\"h-when-should-i-get-business-insurance\"><span id=\"when-should-i-get-business-insurance\"><strong>When Should I Get Business Insurance?<\/strong><\/span><\/h2><p>&nbsp;Getting business insurance is an intelligent move when starting a small company. When your company opens for business, you can help protect it against various hazards by getting business insurance. Specific business insurance policies, such as workers&#8217; compensation insurance, are mandated.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-taxes-do-llcs-pay-in-texas-nbsp\"><span id=\"what-taxes-do-llcs-pay-in-texas\"><strong>What Taxes Do LLCs Pay in Texas?&nbsp;<\/strong><\/span><\/h2><p>The combined self-employment tax of 15.3% is payable by LLC members (12.4% for Social Security and 2.9% for Medicare). Texas offers businesses the advantage of having no state income tax on either individual or corporate income. Texas does have an annual franchise tax, but most LLCs are exempt from it.<\/p><p>See: <a href=\"https:\/\/businessyield.com\/ins\/business-insurance\/self-employed-business-insurance-cost-types-coverage\/\">Self-employed Business Insurance: Cost, Types &amp; Coverage<\/a><\/p><h2 class=\"wp-block-heading\" id=\"h-can-an-llc-be-sued-in-texas\"><span id=\"can-an-llc-be-sued-in-texas\"><strong>Can an LLC Be Sued in Texas?<\/strong><\/span><\/h2><p>Although the LLC itself may be sued, an LLC organization typically protects its owners from personal liability.<\/p><h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span id=\"conclusion\"><strong>Conclusion<\/strong><\/span><\/h2><p>Small-business entrepreneurs are the lifeblood of the Texas economy, located in the heart of the Lone Star State. Business insurance in Texas is not required by law but is essential for a company&#8217;s survival. General liability, commercial property, and workers&#8217; compensation are the three most important policies. Likewise, get insurance rates for your company at low cost and risk.<\/p><h2 class=\"wp-block-heading\" id=\"h-related-posts\"><span id=\"related-posts\"><strong>Related Posts<\/strong><\/span><\/h2><ol class=\"wp-block-list\"><li><a href=\"https:\/\/businessyield.com\/ins\/business-insurance\/llc-business-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">LLC Business Insurance: What It Means &amp;amp; Why You Need It<\/a><\/li>\n\n<li><a href=\"https:\/\/businessyield.com\/ins\/business-insurance\/top-best-business-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">TOP BEST BUSINESS INSURANCE FOR LLC 2023<\/a><\/li>\n\n<li><a href=\"https:\/\/businessyield.com\/ins\/business-insurance\/business-insurance-colorado\/\">Business Insurance Colorado: Coverage, Types &amp; Cost<\/a><\/li><\/ol><h2 class=\"wp-block-heading\" id=\"h-references\"><span id=\"references\"><strong>References<\/strong><\/span><\/h2><ul class=\"wp-block-list\"><li><a href=\"https:\/\/fitsmallbusiness.com\/texas-business-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Fitsmallbusiness.com<\/a><\/li>\n\n<li><a href=\"https:\/\/www.thehartford.com\/business-insurance\/texas\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Thehartford.com<\/a><\/li>\n\n<li><a href=\"https:\/\/www.generalliabilityshop.com\/state-gl-info\/texas-general-liability-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Generalliabilityshop.com<\/a><\/li><\/ul>","protected":false},"excerpt":{"rendered":"Obtaining quick and affordable business liability insurance in Texas is easier than ever. Business liability specialists make qualifying&hellip;\n","protected":false},"author":285,"featured_media":2869,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-2856","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business-insurance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Business Insurance Texas<\/title>\n<meta name=\"description\" content=\"Although Texas does not have a general requirement for business insurance, certain types of policies or plans may require a certain amount of coverage. Regardless, the following are ones that a small business owner should be aware of and consider:\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessyield.com\/ins\/business-insurance\/business-insurance-texas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business Insurance Texas\" \/>\n<meta property=\"og:description\" content=\"Although Texas does not have a general requirement for business insurance, certain types of policies or plans may require a certain amount of coverage. 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