out of 5 customer review rating and 150,000+ policies sold.

Get Small Business Insurance Texas Companies Rely On

If you’re searching for the business insurance Texas companies trust, biBERK has a proven track record and the coverage you need. We offer different policies to protect you from the many types of risk businesses face.

Texas Workers' Compensation Insurance

Workers’ comp in Texas helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.

chevron_rightWorkers' Compensation
Texas General Liability Insurance

Also known as commercial liability insurance, a general liability policy covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability. We provide flexible coverage for general liability insurance in Texas.

chevron_rightGeneral Liability
Texas Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

chevron_rightBusiness Owners Policy
Texas Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees when someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability policies are important for business insurance in Texas, and should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

chevron_rightProfessional Liability
Texas Umbrella Insurance

Every liability insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

chevron_rightUmbrella
Texas Commercial Auto Insurance

If your company owns or leases vehicles, this policy protects your business. This type of business insurance in Texas can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

chevron_rightCommercial Auto
Texas Cyber Insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

chevron_rightCyber

We Cover all Kinds of Professionals in Texas, Including:

    • Advertisement companies
    • Aerobic studios
    • Air conditioning repair services
    • Aluminum awning companies
    • Automotive air conditioning companies
    • Cabinet/interior trim carpentry companies
    • Call centers
      Carpet/upholstery cleaning businesses
    • Clay and shale digging companies
    • Concrete cable tension system installation companies
    • Concrete construction companies
    • Consultants
    • Dentists
    • Exterminators
    • Farmers
    • Fire alarm installation and repair companies
    • Fire alarm companies 
    • Furniture stores
    • Glaziers
    • Heating and cooling companies
    • Landscaping and gardening services
    • Mailing companies
    • Home health care companies
    • Office clerical services
    • Oil and gas geologist services
    • Park operations
    • Piano tuning companies
    • Plumbing services
    • Precision-machined parts manufacturers
    • Residential domestic workers
    • Restaurants
    • Sheet metal companies
    • Tax and accounting services
    • Telecommunications companies
    • Trucking

Why Choose biBERK for Business Insurance in Texas?

We’re the experts when it comes to small business.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.

Experienced

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

 
Truck Driver

Why is biBERK Better for Workers’ Comp in Texas and Other Policies?

Whether it’s workers’ comp in Texas or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett started out as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

What do biBERK Customers Say?

out of 5 customer review rating and 100,000+ policies sold.







Requirements for Small Business Insurance in Texas

Workers’ Compensation

Texas has one of the lowest workers’ comp rates in the nation. It’s also one of the only states where, in certain instances and subject to state reporting and mandatory disclosures to your employees, you may not be required to carry workers’ compensation. Even when it’s not a legal requirement in specific instances, however, it’s still a good idea to purchase workers’ comp in Texas. Without a policy, you could have to pay out of pocket for medical costs, legal fees, and lost wages incurred by one of your employees if they’re injured or become ill while on the job. Also, if you don’t have a workers’ comp policy, you must file an annual notice with the Department of Workers’ Comp, post notices in all workplaces, and tell new employees in writing that they’re not covered by a workers’ comp policy.

Other Policy Considerations

While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

Special Considerations for Texas

Many locations in Texas have significant exposure to damages from hurricanes. In 2008, Hurricane Rita did more than $18 billion dollars worth of damage, and Hurricane Harvey caused $125 billion dollars in damage in 2017. A property and liability policy is the only way to protect your business from the costs associated with hurricane damage, so it’s important to be sure you understand what you are, and are not, covered for by talking with one of our licensed insurance experts. For example, insurers typically don’t cover flood damage resulting from a storm.

What Does Business Insurance in Texas Cost?

The cost of business insurance in Texas depends on a number of factors, including industry, number of employees, and the amount of payroll. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.

 

Frequently Asked Questions About Small Business Insurance in Texas

  • What types of small business insurance do I need in Texas?
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    Every Texas business is different, so the answer to that question varies. We can best advise you after learning about your company. However, if you have employees, it’s a good idea (and probably required by law) to have a workers’ compensation policy. General liability coverage is needed for many reasons, including if customers visit your premises or if you work as a contractor in someone’s home where you might accidentally damage their property. Errors and omissions insurance is important for individuals or businesses that provide a professional service or advice. If you have assets like equipment and furniture, or if you own buildings, a business owners policy or BOP (also called property & liability insurance) is crucial.

  • How long does it take to get small business insurance in Texas?
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    Getting a business insurance quote and then paying for one or more policies is fast and easy. It can take as little as five minutes, and your policy is issued immediately for the effective date.

  • Can I set up my policy to be paid automatically when premiums are due?
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    Yes, our autopay feature is easy to activate and signing up gives you one less task to worry about.

Small Business Insurance in Texas in Three Simple Steps

1. Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.

3. Report a Claim

In the unfortunate event that you have a claim, submit it online or by phone, and we’ll work quickly to pay your covered claims up to your policy’s limit.

2. Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.

1. Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.

2. Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.

3. Report a Claim

In the unfortunate event that you have a claim, submit it online or by phone, and we’ll work quickly to pay your covered claims up to your policy’s limit.

Get a Quote Today

Save up to 20% on business insurance in Texas.