Business Insurance in Texas
Simple and easy insurance for your Texas business.
We cover many types of businesses and professionals in Texas
Owning a small business in Texas is an exciting venture, but it comes with its share of risks. Your hard work and dedication deserve protection, and that’s where we come in.
Accountants Professional Liability Insurance in Texas
Coverage highlights:
- Stacking deductible waivers that can add up to a full deductible waiver, in most cases
- Up to $750 per day in lost wage reimbursement for attendance at a trial or mediation/arbitration
- Disabled partner replacement/addition: expenses incurred to hire a qualified replacement
- Disciplinary proceedings: expenses incurred while defending an inquiry, complaint, or mis-conduct allegation from a state bar association or regulatory agency
- Subpoena assistance: expenses incurred while preparing to answer a subpoena summons
- Reputation protection: expenses incurred while responding to damaging information shared in print, online, or on social media
- Broad coverage limits up to $2M available
- Experts who specialize in accountants’ risks to help ensure you’re covered for industry-specific losses
Engineers Professional Liability Insurance in Texas
Engineers play a crucial role in shaping Texas’ infrastructure and development. However, with this responsibility comes the risk of errors or omissions in your work. And we know that with professional liability insurance, one size does not fit all. We work with ASCE, whose expanded program includes higher limits and broader coverage to protect you from potential lawsuits and claims.
Coverage highlights:
- Coverage limits up to $10 million1
- Professional services including engineer, surveyor, and architect with broader definitions available2
- Supplementary payout to offset claims expenses (e.g., court costs, lawyers, witnesses)
- Loss of earnings reimbursement
- Reputation management expenses in the event of a crisis (e.g., advertising, PR, media analysis)
- Legal counsel and defense of all claims
1Available to qualifying firms; subject to underwriting.
2Depending on plan, may be included or may be specifically named by endorsement if exposure is reported.
Lawyers Professional Liability Insurance in Texas
Coverage highlights:
- Limits up to $10 million for qualified insureds (additional amounts available through quota and excess policies)
- No hammer clause—we’ll never settle a claim without your consent
- Free extended reporting period in the event of death, disability, or retirement
Real Estate Errors & Omissions (E&O) Insurance in Texas
As a real estate professional in Texas, your clients rely on your expertise to navigate complex transactions. However, mistakes can happen, leading to potential legal actions. We offer an E&O policy that’s designed by and for real estate professionals—not something generic that’s been modified, pieced together, and missing what you need.
Coverage highlights:
- Agent-owned residential property transaction coverage option
- Subpoena assistance (no-cost legal assistance)
- Lockbox and open house coverage to full policy limits
- Mold coverage with limits beginning at $250,000
- Public relations advisory services
- Fair housing discrimination claims
- Environmental “Failure to Advise” coverage
Orthodontists Malpractice Insurance in Texas
Orthodontists in Texas provide essential dental care, but even the most skilled professionals can face malpractice claims. From misdiagnoses to treatment errors, malpractice insurance ensures you can continue to provide quality care without added stress. AAOIC provides a stable, affordable source of professional liability insurance for members of the AAO who practice in the United States. Plus, it’s the only malpractice insurance that’s endorsed by the AAO.
Coverage highlights:
- First-time buyers’ credit
- Policyholders become shareholders
- Premium credit (share in the profits)
- No hammer clause
- Additional discounts available
Garage Liability Insurance in Texas
Coverage highlights:
- Exclusive product through AmTrust North America
- Limited access to this exclusive product
- Longevity—specialized program since 2016
- In-house underwriting authority
- Policy form designed for risks specific to the repair/aftermarket industry
Business Owners Policy (BOP) Insurance in Texas
As a business owner, you pour your heart and soul into making your venture a success—protecting it with comprehensive insurance is crucial.
A Business Owners Policy (BOP) provides a solid foundation of coverage, combining essential protections into one convenient package.
Coverage highlights:
- General liability coverage—helps protect your business from claims of bodily injury or property damage caused by your operations, products, or premises
- Property coverage—safeguards your business property, including buildings, equipment, inventory, and furniture, against threats such as fire, theft, vandalism, and natural disasters
- Business interruption coverage—helps replace financial losses resulting from temporary closure or suspension of your operations due to covered threats
Cyber Liability Insurance in Texas
In today’s digital age, technology plays a vital role in the success of businesses. With increased connectivity and reliance on digital systems, the risk of cyber threats and data breaches is ever-present.
Cyber Liability Insurance offers comprehensive protection tailored to the unique challenges of the digital landscape. From network security breaches to cyber extortion and business interruption, this insurance coverage shields your business from the financial and reputational damages caused by cyber incidents.
Coverage highlights:
- Data breach response—covers the costs associated with responding to a data breach, including notifying affected individuals, providing credit monitoring services, and more
- Cyber extortion coverage—for expenses related to responding to cyber extortion threats, including ransomware attacks, and the costs of negotiating with and paying extortionists
- Cyber risk management—offers resources and guidance to help you mitigate cyber risks before an attack occurs, potentially saving you thousands
Employment Practices Liability Insurance in Texas
Fostering a positive work environment and ensuring fair employment practices are vital to the success of any organization. As a business owner, you invest significant time and effort in building a strong team and nurturing a culture of inclusivity. However, even with the best intentions, employment-related disputes can arise. Employment Practices Liability Insurance (EPLI) provides protection against malpractice suits and physical damages to your office and its contents, as well as claims of discrimination, sexual harassment, and wrongful termination.
Coverage highlights:
- Wrongful termination protection—shields your business against claims of wrongful termination, including allegations of discrimination, retaliation, or violation of employment contracts
- Harassment and discrimination coverage—for claims related to harassment or discrimination based on factors such as age, gender, race, religion, or disability
- Wage and hour dispute protection—for claims related to alleged violations of wage and hour laws, including allegations of unpaid wages, overtime, or improper classification of employees
Workers Compensation Insurance in Texas
At the heart of every thriving organization are the dedicated individuals who bring their skills and talents to the table. As an employer, it’s your responsibility to ensure their well-being and provide a safe work environment. Workers Compensation Insurance offers a safety net for both you and your employees, offering financial protection and support in the event of work-related injuries or illnesses.
Coverage highlights:
- Medical expenses coverage—for treatment and rehabilitation costs for employees injured on the job
- Lost wages and disability benefits—provision of compensation to employees unable to work due to work-related injuries or illnesses, including disability benefits
- Death benefits—financial support for the dependents of employees who suffer fatal work-related injuries or illnesses
Other Insurance in Texas
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