Commercial Insurance in Texas

Business Insurance Solutions

Running a business comes with opportunity — but also risk. Having the right commercial insurance coverage helps protect your business, employees, and financial future when unexpected events occur.

At PARR Insurance Group, we help business owners in Texas find insurance solutions designed to protect their operations. As an independent agency, we work with multiple insurance carriers to compare options and help you find the right balance of coverage, price, and protection.

Whether you are starting a new business or reviewing your current coverage, our team is here to provide personalized advice and reliable results.

Texas Commercial Insurance Requirements

Texas has different insurance requirements than many other states when it comes to business insurance.

For example, workers’ compensation insurance is not required by Texas law for most private employers. However, many businesses still choose to carry this coverage because it helps protect employees and the company if a workplace injury occurs. Some government contracts may also require workers’ compensation coverage.

If your business owns vehicles, commercial auto insurance is required. Texas minimum liability limits currently include:

• $30,000 bodily injury per person
• $60,000 bodily injury per accident
• $25,000 property damage per accident

**Many businesses choose higher limits to better protect their company from financial risk.**

Common Commercial Insurance Coverages

Every business has different risks, which is why coverage should be tailored to the type of work you do.

Some common commercial insurance coverages include:

General Liability Insurance

Helps protect your business if a customer or third party is injured on your premises or if you are responsible for property damage. Many landlords require businesses to carry this coverage.

Professional Liability Insurance

Also known as errors and omissions insurance, this coverage helps protect businesses that provide professional advice or services if a client claims financial loss due to an error.

Workers’ Compensation Insurance

Workers’ compensation helps cover medical expenses and a portion of lost wages if an employee is injured or becomes ill due to a work-related incident. While not required for most private employers in Texas, many businesses carry this coverage to help protect both their employees and the business.

Cyber Liability Insurance

Provides protection if your business experiences a data breach, cyberattack, or other technology-related security incident, and can help cover recovery costs and legal expenses.

Business Owner’s Policy (BOP)

A Business Owner’s Policy combines general liability and commercial property coverage into one convenient policy designed for many small and mid-sized businesses.

Commercial Property Insurance

Helps protect your building, equipment, and business property from damage caused by covered events such as fire, storms, or theft.

Commercial Auto Insurance

Covers vehicles owned or used by your business for accidents, liability claims, and property damage.

Businesses We Commonly Help

At PARR Insurance Group, we work with a wide range of small and mid-sized businesses throughout Texas. Our goal is to help business owners understand their risks and find insurance solutions that properly protect their operations.

We frequently help businesses such as:

• Contractors and construction companies
• Plumbers, electricians, and HVAC companies
• Landscaping and lawn care businesses
• Cleaning and service businesses
• Retail stores and local shops
• Restaurants and food service businesses
• Real estate professionals and property managers
• Professional service providers and consultants

Every business is different, which is why we take the time to understand your operations, contracts, and potential exposures before recommending coverage options.

Get a Business Insurance Quote

If you own a business, PARR Insurance Group would be happy to help you review your commercial insurance options.

We can help you compare coverage options, review your current policies, and provide a free, no-obligation commercial insurance quote.