Choose The Hartford for All Your Texas Business Insurance Needs
More than 3 million small businesses call The Lone Star State home, making up 99% of Texas businesses and employing over 5 million people.1 Whether you're a new small business, have been around awhile or are expanding, business insurance has an important role in your company’s success.
The Hartford has more than 200 years of insurance experience and understands the unique risks small business owners in various industries face. It’s why we designed our insurance options with business owners like you in mind.
Who Needs Business Insurance in Texas?
Most businesses in Texas could benefit from having business insurance because it helps you be better prepared to deal with the challenges of running a small business. As a small business owner, you work hard and face unique risks every day during normal operations. Without coverage, you’d have to pay out of pocket for claims, which can be expensive.
The Hartford offers insurance solutions that can help protect businesses in various industries, including:
How Much Is Business Insurance in Texas?
In Texas, your cost for business insurance coverage varies. Our small business customers pay between $59 a month to $172 a month – depending on the type of coverage.**
How Much The Hartford’s Small Business Customers in Texas Pay for Insurance**
| Average Annual Premium | Average Monthly Premium | |
|---|---|---|
| General Liability Insurance | $853 | $71 |
| Business Owner’s Policy (BOP) | $2,072 | $172 |
| Workers’ Compensation Insurance | $714 | $59 |
Your business insurance costs may be different than the average as insurers use unique factors to determine premiums. The best way to find out your insurance cost is to get a quote.
Types of Texas Business Insurance We Offer
Every small business faces different challenges, so each insurance policy is unique to each company. The type of business insurance you’ll need depends on your risks. From bundled packages like a Business Owner’s Policy to commercial auto insurance, The Hartford makes it easy for you to get the coverage you need.
A Business Owner’s Policy (BOP) combines some of the most critical business insurance coverages your company needs into one convenient and cost-effective policy.
General liability insurance helps protect your Pennsylvania business from claims that it caused bodily injury or property damage to others.
Most state laws require you to carry this insurance to help compensate employees for expenses associated with work-related injuries or illnesses like medical bills, rehabilitation and lost wages.
Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.
Business property insurance, also called commercial property insurance, helps protect your owned or rented building, tools and the equipment you use to operate your business.
Professional liability insurance helps protect your Texas business from claims that it made a mistake in the professional services given to customers.
What Are the Minimum Business Insurance Requirements in Texas?
Texas does have minimum liability requirements for auto insurance. If you have a commercial auto insurance policy or hired and non-owned auto coverage, you should have at least:2
- Bodily injury liability: $30,000/$60,000
- Property damage liability: $25,000
Unlike most states, Texas doesn’t require most business owners to carry workers’ compensation insurance. However, if your business contracts with government entities, you’ll need to carry workers’ comp coverage.
Even if you’re not required to have workers’ compensation coverage, it’s still a good idea to have it because it can help your employees recover from work-related injuries or illnesses. Otherwise, you may have to pay out of pocket for their care costs.
Get a Quote for Small Business Insurance in Texas
With over 200 years of experience, we're proud to be an insurance company that’s helped more than 1 million small business owners get the coverage they need. Our specialists will work with you to understand your insurance needs and get you a business insurance quote that can better protect your Texas business.
What Our Customers in Texas Are Saying
“We unfortunately had a guest fall inside our restaurant and The Hartford handled the claim with kindness, empathy and professionalism.”
Jena, from Georgetown, Texas
“The claims process was easy and everything moved along quickly.”
Micheal, from Dumas, Texas
“Good, fast response and the whole claim is processing in a timely manner!”
Chuilai, from Addison, Texas
“Very competitive rates and their claim process is super smooth in the event you need to file one!”
Charles, from Forth Worth, Texas
“My claim experience with The Hartford has been excellent. The company is very professional, fast-acting, and efficient.”
Haylee, from Dallas, Texas
“The Hartford team is wonderful. Super empathetic and responsive.”
Shahab, from Stafford, Texas
Frequently Asked Questions About Business Insurance in Texas
What Insurance Is Required in Texas?
If you have a company-owned vehicle, Texas requires business owners to have car insurance coverage. Texas’ minimum required limits for car coverage are $30,000/$60,000 for bodily injury liability and $25,000 for property damage liability.
If your business has contracts with a government entity, you also need to have workers’ compensation coverage.
Do I Need Insurance for My LLC in Texas?
It’s a good idea to have insurance for a limited liability company (LLC) in Texas. Without insurance coverage, you’d have to pay out of pocket for claims. Having the right insurance coverage can help protect your business from different risks.
How Do I Get Texas Business Insurance?
The best way to get business insurance in Texas is to get a quote. In just a few minutes, you can get a free online quote from The Hartford and start better protecting your small business in Texas.
Last Updated: February 6, 2026
1 U.S. Small Business Administration, “2025 Small Business Profile: Texas,” viewed January 2026.
2 Texas Department of Insurance, "Shopping for Auto Insurance: What To Know Before You Buy a Policy,” viewed January 2026.
3 Texas Department of Insurance, “Workers’ Compensation Insurance Guide,” viewed January 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.