Business Insurance

General liability, workers comp, BOP, and professional coverage for owners.

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Business insurance keeps one bad day — a customer injury, a lawsuit, a fire, an injured employee — from ending a company you've spent years building. Texas is one of the most small-business-friendly states in the country, but it's also one where workers' compensation is optional, contracts often require specific insurance limits, and a single liability claim can outpace a year of profit. The right package depends on whether you're a solo consultant, a contractor with crews, an e-commerce shop, or a brick-and-mortar with foot traffic.

What's typically covered

General liability

Pays for third-party bodily injury and property damage you cause — slip-and-falls on your premises, damage to a client's property at a job site, or product-related claims. Required by most commercial leases and client contracts.

Workers' compensation

Pays medical bills and lost wages for employees injured on the job. Optional in Texas (unlike every other state), but employers who opt out lose key legal protections and become exposed to negligence lawsuits.

Business owner's policy (BOP) / property

Bundles general liability with commercial property coverage — your building, equipment, inventory, and business income if a covered loss forces you to close. Often the most cost-effective package for small businesses under ~$10M in revenue.

Professional liability (E&O)

Covers claims of professional negligence, errors, or omissions — essential for consultants, accountants, tech firms, real-estate agents, insurance agents, and anyone whose work is advice or expertise.

What's typically NOT covered

Employee injuries (handled by workers' comp, not general liability)
Auto accidents in business-owned vehicles (need commercial auto)
Cyber breaches and data loss (need a separate cyber policy)
Intentional or criminal acts by the insured
Wear and tear on equipment or inventory

Common claim scenarios

Customer slips in a Dallas storefront

A customer slips on a wet floor and breaks an elbow. Medical bills, lost wages, and a settlement total $75,000. General liability pays the claim and your attorney fees, with no direct hit to the business's cash.

Contractor damages a client's property

A flooring contractor accidentally cracks a marble countertop on a high-end Houston remodel. General liability covers the $14,000 replacement so the project — and the relationship — survives.

Consultant sued over a missed deadline

A marketing consultant in Austin is sued by a client claiming a missed launch cost them sales. Professional liability (E&O) defends the consultant and pays the eventual settlement, even though no physical injury or property damage occurred.

What affects your price

Industry classification and risk profile
Annual revenue and payroll
Number of employees and 1099 contractors
Claims history of the business and the owner
Coverage limits, deductibles, and any required additional insureds
Location, square footage, and property value for BOPs

How Klever Coverage helps

We write small-business coverage across multiple carriers — so a single bad quote doesn't define your premium.
We read your client contracts and commercial leases for the exact limits and additional-insured language you need to comply.
We help Texas owners decide whether to carry workers' comp or non-subscribe, with the trade-offs spelled out.

Frequently asked questions

Is workers' comp required in Texas?

No — Texas is the only state where private employers can opt out. But non-subscribers lose key tort defenses and are exposed to direct employee lawsuits. We talk through both sides before you decide.

Do I need a BOP or just general liability?

If you own or lease physical space, equipment, or inventory, a BOP usually beats standalone general liability on both price and protection. Pure service businesses with no real property are sometimes fine with GL alone.

What limits should I carry?

Most small Texas businesses start at $1M per occurrence / $2M aggregate for general liability. Client contracts, commercial leases, and your industry often dictate higher limits.

Do I need cyber insurance?

If you store any customer data — names, emails, payment info, health records — yes. A standalone cyber policy covers breach notification, forensic costs, and ransomware response that GL won't touch.

How quickly can I get a certificate of insurance?

Once you're bound, usually same-day. We send certificates directly to landlords, general contractors, and clients on your behalf.