Commercial Liability Insurance Quotes Texas (Quotes, Cost & Coverage)

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Frequently Asked Questions About
Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Commercial Liability Insurance Quotes Texas

TX Commercial Liability Insurance Quotes

Commercial Liability Insurance Quotes Texas. Protecting your TX business is important for many reasons. General liability insurance provides you with a safeguard in the event that someone makes a liability claim for bodily injury, or you need to cover the costs of property damage. With so many insurers on the market - more than $1.2 trillion worth of net premiums were written in the United States in 2015 alone, according to the Insurance Information Institute - it can be difficult to know where to start.

Here are some ideas how to find the best commercial liability insurance quotes Texas.

What is the best way to get commercial liability insurance quotes in Texas? Find out to protect your business from lawsuits, get a fast quote and your certificate of insurance now.

Use an Insurance Comparison Website

Type in "commercial liability insurance" into Google and you'll receive hundreds of thousands of results. There are hundreds of different insurers that offer this service, making your search for the best deals more like a headache. You will also find insurance comparison websites. These sites typically sell your quote request to multiple insurance agents - so get ready for a wave of phone calls. If you are willing to talk to multiple TX licensed brokers - this is one of the easiest ways to get quotes.

Use Third-Party Review Sites

Found a couple of insurers you are interested in? Head over to third-party review sites, where you'll find reviews from consumers who have used a particular type of commercial liability insurance quotes Texas in the past. This helps you decide on the best policy for you, and you can find out whether an insurer provides good customer service, flexible payment options, and a simple application process.

Talk to a Real Person

The internet can only give you so much information. If you really want to find the best quotes, contact a broker by phone and talk to a real person. An commercial insurance broker will tell you about the different options for your business, such as you how much your premiums will cost and the maximum amount you can claim per occurrence and aggregate. Remember, ask plenty of questions before you commit to any service. If you're not sure about a particular policy, take some time and think about it for a while before making up your mind.

Get Enough Coverage

The commercial liability insurance quote Texas you will be given will depend on the amount of coverage you need. Remember, you need a policy that covers your business properly. Not all insurance companies will give you the amount of coverage you need, however, and you might find that some events aren't even covered at all. That's why it's important to read through the quote before you set up TX commercial liability insurance.

Review Your Current Policies

If you already have TX commercial liability insurance with a company, contact them and ask them whether you currently have the best deal. Your insurer might recommend another service that benefits your company better, especially if you are paying for things on your policy that you don't need. Alternatively, you can contact the company where you hold other types of insurance and see whether they specialize in business liability insurance. Ask them to give you commercial liability insurance quote Texas and see how they compare with other insurers on the market. They might be able to offer you a reduce rate if you add a commercial liability policy to any existing insurance policies you currently hold with them.

Review Your Insurance on a Regular Basis

Just because you have the best deal right now, doesn't mean that things won't change. In order to get the best commercial general liability insurance deals, you'll want to review your policy once a year and compare it with other types of coverage on the market. You might find that another company is offering a very similar policy for a cheaper price, for example. Alternatively, you might want to upgrade your business insurance so you have more coverage if your the risks to your business have increased.

Commercial Liability Insurance Quotes

Searching for commercial liability insurance quotes doesn't have to be a headache. Use the internet to compare insurance, check out reviews, contact a broker directly, review your current plan, review your insurance on a regular basis and make sure you have enough coverage.

Texas Economic Outlook & Requirements For Commercial Insurance

Made In Texas

If you are considering opening up a business in the Lone Star State, you first want to make sure that it is a sound location for your operations. That means that you should understand some key information related to the state's economy, as well as the types of insurance coverages that businesses are legally required to carry.

Economic Outlook For The State Of Texas

In terms of the economy, Texas offers fantastic news for those who are thinking about starting up a business in this state. That's because the Lone Star State has the second largest economy of all 50 states in the nation. The gross state product is valued at an estimated at over $1.706 trillion in 2018. In 2015, the state was the headquarters for six of the top 50 Fortune 500 companies.

As expected, several industries contribute to the economy of Texas. One of the most notable industries is agriculture. In fact, this state has the highest production of cattle, sheep, and goat products. It is also the largest producer of cotton and cereal crops. Other crops that this state is famed for include cantaloupes, watermelons, and grapefruits.

Other leading industries in the State of Texas include:

  • Aeronautics
  • Defense
  • Computer Technology
  • Energy
  • Tourism
  • Entertainment
  • Healthcare

If you are considering going into business in TX, having an operation in any of these industries will likely afford you success.

Commercial Insurance Regulations For Business Owners In TX

The Texas Department of Insurance regulates is the main insurance regulatory agency in the Lone Star State. Texas is quite lenient when it comes to insurance requirements for business owners. In fact, there is only one type of insurance that business owners are legally required to carry, and that is commercial auto insurance. If you are planning on using a vehicle for anything related to your business, whether it's making deliveries, transporting goods, or meeting with clients, you must have a commercial auto insurance policy.

While Workers' Compensation coverage is required in every other state, in TX, is it not mandated; however, if you decide not to carry this type of coverage, you will be required to offer your employees some type of incentive package in the event that the do become injured or develop a work-related illness.

Additional Small Business Commercial Insurance Resources

Read informative articles on small business commercial insurance including costs and coverages.


Small Business Insurance Articles

Get useful tips and information about how much commercial insurance costs, small business risks and exposures, how insurance regulations effect your businesses' and detailed descriptions of coverages and exclusions and more. Most small businesses need to buy the following four types of insurance at a minimum to cover their operations from every day risks:

Property Insurance: This policy covers a business if the property used in the business is damaged or stolen as the result of common perils like fire or theft. Commercial property insurance covers the buildings, structures and also business personal property - which includes furniture, inventory, raw materials, machinery, computers and other items.

Liability Insurance: Any company can be sued. Slip-and fall lawsuits are very common and be costly. Customers can claim you injured them or damaged their property - and lawsuits are very expensive. Commercial liability insurance pays damages and can include attorney's fees and other legal expenses. It also ca pay for the medical bills of injured third parties

Commercial Auto Insurance: For vehicles owned by the business. Commercial auto insurance pays bodily injury or property damage costs for which the business is found liable - up the the policy limits for liability and property damage.

Workers Compensation Insurance: In almost every state employers must provide workers comp when there are W2 employees. Workers compensation pays for the medical care of employees and can replace a portion of lost wages - regardless of who was at fault for the injuries.


Request a free Commercial Liability Insurance Quotes Texas quote in Abilene, Allen, Alvin, Amarillo, Arlington, Austin, Balch Springs, Baytown, Beaumont, Bedford, Benbrook, Big Spring, Brownsville, Bryan, Burleson, Carrollton, Cedar Hill, Cedar Park, Cleburne, College Station, Colleyville, Conroe, Coppell, Copperas Cove, Corpus Christi, Corsicana, Dallas, DeSoto, Deer Park, Del Rio, Denison, Denton, Duncanville, Eagle Pass, Edinburg, El Paso, Euless, Farmers Branch, Flower Mound town, Fort Worth, Friendswood, Frisco, Galveston, Garland, Georgetown, Grand Prairie, Grapevine, Greenville, Haltom City, Harker Heights, Harlingen, Houston, Huntsville, Hurst, Irving, Keller, Kerrville, Killeen, Kingsville, Kyle, La Porte, Lake Jackson, Lancaster, Laredo, League City, Leander, Lewisville, Little Elm, Longview, Lubbock, Lufkin, Mansfield, Marshall, McAllen, McKinney, Mesquite, Midland, Mission, Missouri City, Nacogdoches, New Braunfels, North Richland Hills, Odessa, Paris, Pasadena, Pearland, Pflugerville, Pharr, Plainview, Plano, Port Arthur, Richardson, Rockwall, Rosenberg, Round Rock, Rowlett, Sachse, San Angelo, San Antonio, San Benito, San Juan, San Marcos, Schertz, Seguin, Sherman, Socorro, Southlake, Sugar Land, Temple, Texarkana, Texas City, The Colony, Tyler, University Park, Victoria, Waco, Watauga, Waxahachie, Weatherford, Weslaco, Wichita Falls, Wylie and all other cities in TX - The Lone Star State.


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Commercial Liability Insurance Quotes
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Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.

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