Question 1

What types of insurance does Texas Policies offer?

Accepted Answer

We place Commercial & Business coverage including business auto, general liability, commercial property, workers compensation, business owners policies (BOP), professional liability, bonds, group benefits, excess liability, and contractors equipment (inland marine).

Question 2

What types of insurance do Texas businesses and contractors need?

Accepted Answer

Many Texas businesses start with general liability, then add commercial auto, commercial property, workers compensation (especially with employees or contract requirements), and sometimes a business owners policy (BOP). Contractors often also need inland marine coverage for tools and equipment, plus bonds for certain jobs. Exact needs depend on your trade, contracts, payroll, and vehicles.

Question 3

Is general liability insurance required in Texas?

Accepted Answer

Texas does not require general liability insurance by law for most private businesses, but clients, landlords, and general contractors often require it before you can bid or start work. It is also one of the most important protections against third-party bodily injury and property damage claims.

Question 4

What is a Business Owners Policy (BOP)?

Accepted Answer

A Business Owners Policy packages property and liability coverage into one policy for many small and mid-sized businesses. It can be more convenient and cost-effective than buying separate commercial property and general liability policies, and it can often be enhanced with optional coverages based on your operations.

Question 5

Is workers compensation required in Texas?

Accepted Answer

Texas does not require most private employers to carry workers compensation, but opting out can leave you with unlimited personal liability for workplace injuries. Many clients and general contractors also require proof of workers compensation before hiring you. Employers liability coverage, typically included with workers compensation, helps protect against related employee lawsuits.

Question 6

What is professional liability (errors and omissions) insurance?

Accepted Answer

Professional liability, also called errors and omissions (E&O) coverage, helps protect you when a client claims your advice, design, consulting, or professional services caused a financial loss. General liability focuses more on bodily injury and property damage, so service businesses often need both.

Question 7

What is inland marine or contractors equipment coverage?

Accepted Answer

Inland marine coverage protects tools, equipment, and materials that move between job sites, vehicles, and storage locations. Standard commercial property policies often do not fully cover mobile equipment away from your main location, which is why contractors and service businesses frequently need this coverage.

Question 8

When do I need a surety bond?

Accepted Answer

Surety bonds are commonly required for construction bids, performance and payment obligations, licenses and permits, and certain contracts. If a city, general contractor, or project owner asks for bonding capacity, we can help you identify the bond type and next steps.

Question 9

Can I bundle business policies?

Accepted Answer

Yes. Many carriers offer discounts for combining business coverages in a BOP or multi-policy commercial package. We can review whether bundling or keeping specialized policies separate makes more sense for your situation.

Question 10

How quickly can I get a quote?

Accepted Answer

We can typically provide quotes within 24 hours of receiving your information. For urgent needs, same-day quotes are often possible. Timing depends on the complexity of your business coverage and the carriers involved.

Question 11

What information do I need to get a quote?

Accepted Answer

For business insurance, we typically need business name and address, years in operation, industry or trade, revenue, employee or payroll details, vehicles or equipment if applicable, and any certificate or contract requirements.

Question 12

What is a certificate of insurance and why do I need it?

Accepted Answer

A certificate of insurance (COI) proves you have active coverage. Landlords, clients, and general contractors often require COIs before you can work on a job or occupy a space. Once your policy is active, we can usually provide certificates quickly.

Question 13

Do you work with multiple insurance carriers?

Accepted Answer

Yes. As an independent agency, we work with multiple carriers so we can compare coverage and pricing instead of locking you into a single company. That helps us look for policies that match your needs and budget.

Question 14

How do I know if I have enough coverage?

Accepted Answer

Adequate coverage depends on your assets, liabilities, contract requirements, and how you operate your business. We can review your current policies, identify gaps, and recommend limits that protect what matters without unnecessary extras.

Question 15

What happens if I have a claim?

Accepted Answer

Contact your insurance carrier as soon as possible and document what happened. Keep photos, receipts, and related records ready for the adjuster. If you need help understanding next steps or coverage questions, our team can help guide you through the process.