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Texas Commercial insurance coverage

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Commercial Insurance in Texas

Commercial General Liability Insurance

CGL cover four types of claims: bodily injury resulting in actual physical damage or loss, property damage or loss, personal injury (including slander or libel), and advertising injury. Often, it is offered in a package with your Property or Business Personal Property at competitive rates.

Commercial Property

Property insurance protects your business property against physical loss or damage by theft, fire or other perils. If you own your building this coverage should be one of the first you look at getting. You can usually package this with a CGL to save in cost.

Business Personal Property (BPP)

This will cover everything that is inside your building. Coverage includes office supplies, furniture, computers, machinery – basically everything except for the building itself.

Business Owners Policy (BOP)

Combines protection for property and liability risks in one insurance package. This type of policy assembles the basic coverages required by a business owner in one bundle. A BOP includes your Property, your Business Personal Property and your General Liability all in one.

Workers Compensation

This policy provides monetary benefits to workers who become injured or disabled in the course of their employment.

Commercial Auto

Are your Autos in your Business Name? Then Commercial Auto is the coverage you will need.


An Umbrella policy is designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the Commercial Auto, Commercial General Liability (CGL), a Business Owners Policy (BOP) or an Employers Liability. Umbrella policies can provide excess limits when an underlying limit has exhausted itself.

Lessor Risk

This is a policy that covers the Building and the General Liability. Usually when a company owns a building and leases to other businesses this is the coverage you will require.

Professional Liability

Coverage that is designed to protect professionals like accountants, attorneys, consultants, real estate brokers etc. against liability incurred as a result of errors and omissions in performing their professional services.

Error and Omissions

An insurance form that protects the insured against liability for committing an error or omission in performance of professional duties. Generally, such policies are designed to cover financial losses rather than liability for bodily injury and property damage.


Commercial flood insurance coverage helps protect your business from the damage costs that come from floodwater. A commercial flood insurance policy can help protect the location of your business. It can also help protect the physical contents and assets.

Directors and Officers

A liability insurance that covers directors and officers for claims made against them while serving on a board of directors and/or as an officer for-profit businesses, privately held firms, non-profit organizations, and educational institutions.

Cyber and Privacy Insurance

This type of insurance is designed to cover a variety of both liability and property losses that may result when a business engages in a data breach involving sensitive customer information, such as Social Security numbers, credit card numbers, account numbers, driver's license numbers and health records.

Builders Risk

This policy is designed to cover property in the course of construction.


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Servicing States

  • Texas