Commercial Insurance · Statewide
Commercial Insurance for Texas Businesses
Protect your business, employees and assets with coverage built around your industry. We compare leading carriers and build a package that fits how your business actually runs, anywhere in Texas.
4.9 out of 5 starsGoogle reviews →What's covered
Commercial coverage options
General Liability
Covers third-party bodily injury, property damage and advertising injury claims against your business.
Business Owner's Policy (BOP)
Combines general liability and property coverage for small and mid-size businesses, often at a lower cost than buying them separately.
Commercial Property
Protects buildings, equipment, inventory and signage from fire, theft, wind and hail.
Workers' Compensation
Covers medical bills and lost wages for employees injured on the job and helps you meet contract requirements.
Commercial Auto & Fleet
Covers vehicles used for business, from a single work truck to a fleet.
Uber Black & Livery
Commercial auto coverage for Uber Black, Black SUV, limo and black car drivers.
Commercial Umbrella
Adds liability limits above your primary policies for protection against large claims.
Why Texas businesses work with an independent agency
No single insurance company is the best fit for every business. A restaurant in Houston, a roofing contractor in Fort Worth and a hotel in San Antonio have very different risks, and carriers price those risks differently. As an independent agency, Yeti Insurance can quote several carriers and explain the trade-offs in coverage, deductibles and price before you decide.
We start with a short conversation about your operations: what you do, where you work, your payroll and vehicles, and what your leases or contracts require. Then we build a package and walk you through it line by line.
What affects the cost of commercial insurance in Texas
- Industry and operations. Contractors and transportation businesses usually pay more than offices because the risk of injury and property damage is higher.
- Payroll and revenue. Workers' compensation and general liability are often rated on payroll or sales.
- Location and property. Building age, construction, roof condition and exposure to wind and hail matter for property coverage.
- Vehicles and drivers. Vehicle type, radius of operation and driving records drive commercial auto pricing.
- Claims history. A clean loss history usually earns better pricing.
Certificates of insurance, fast
Many Texas businesses need certificates of insurance (COIs) to start a job, sign a lease or win a bid. Existing clients can request a COI or an additional insured endorsement through our Client Service Center, and we often turn requests around the same business day.
Who we insure
- Restaurants
- Retail & convenience stores
- Gas stations
- Contractors
- Hotels & motels
- Landlords & property owners
- Trucking & transportation
- Uber Black & black car drivers
- Professional services
Thank you.
Your request was received. An agent will contact you within one business day. For immediate help call (469) 345-6419.
Reference
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Explore
Commercial insurance by type
General liability protects your business when a customer, vendor or member of the public claims your operations caused an injury or property damage.
Commercial PropertyCommercial property insurance protects the physical assets your business depends on, from the building and equipment to inventory and signage, against fire, theft and Texas storms.
Commercial Auto & FleetIf vehicles are part of how you do business, a personal auto policy usually won't cover them.
Workers' CompensationWorkers' compensation pays medical bills and lost wages when an employee is hurt on the job, and generally protects your business from related lawsuits.
Contractors InsuranceContractors face job-site, vehicle and equipment risks every day.
Uber Black & LiveryUber Black, Black SUV and other premium black car services typically require drivers to carry their own commercial auto (livery) insurance.
Commercial UmbrellaA commercial umbrella adds liability limits above your general liability, commercial auto and employer's liability policies, protecting your business from large claims.
Client reviews
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FAQ
Commercial insurance FAQ
How much does commercial insurance cost in Texas?
It depends on your industry, revenue, payroll, location, vehicles and claims history. Because we quote multiple carriers, we can usually show you more than one option at different price points.
What insurance does a small business need in Texas?
Most businesses start with general liability. Many add commercial property, a business owner's policy, commercial auto if vehicles are used for work, and workers' compensation if they have employees or contracts that require it.
Is workers' compensation required in Texas?
Texas does not require most private employers to carry workers' compensation, but employers who opt out lose important legal protections, and many contracts require it. See our workers' comp page for details.
Can you issue certificates of insurance quickly?
Yes. Existing clients can request certificates and additional insured endorsements, and we often handle them the same business day.