Business Insurance
Business Insurance in Plano, TX — Protect What You've Built
Compare commercial liability, property, cyber, BOP, and workers compensation from top carriers.
Coverage types
General Liability
Helps protect against third-party injury and property damage claims.
Commercial Property
Covers business buildings, equipment, and inventory after covered losses.
Cyber Liability
Helps with costs related to cyber incidents and digital risks.
Data Breach
Supports response costs when customer or business data is exposed.
BOP
Business Owners Policy packages common property and liability coverages.
Workers Comp
Helps cover employee injury costs. Requirements vary by state and payroll.
Texas has no mandatory workers comp
Unlike many states, Texas generally does not require private employers to carry workers compensation. That said, coverage can still be a smart way to protect your team and your business. We'll help you weigh the options.
Hotel & Motel owners
Learn about hospitality coverage, then start our guided hotel/motel quote.
Daycare & childcare
Coverage for schools and daycare facilities — plus a short conversational quote.
Surety bonds
Bid, performance, payment, license & permit, court, and more — for contractors and businesses that need a bond.
Frequently Asked Questions
Most small businesses need at minimum: General Liability (covers third-party bodily injury and property damage), Commercial Property (covers your building and equipment), and if you have employees, Workers Compensation. A Business Owner's Policy (BOP) bundles general liability and property into one cost-effective package. Depending on your industry, you may also need Cyber Liability, Professional Liability (E&O), or Commercial Auto.
Texas is the only state that does not require most private employers to carry workers compensation insurance. However, opting out carries significant risk — if an employee is injured and you have no coverage, you may face a lawsuit with no cap on damages. We strongly recommend discussing your options with us.
Cyber liability insurance covers costs related to data breaches and cyberattacks — including notification costs, credit monitoring for affected customers, regulatory fines, and legal fees. Even small businesses are frequent targets. If you store customer data, accept credit cards, or rely on computer systems, cyber coverage is worth considering.
A BOP bundles commercial general liability and commercial property insurance into a single, discounted policy designed for small to mid-sized businesses. It's typically more affordable than buying each coverage separately and is a great starting point for most small businesses.
Get a business insurance quote
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