Texas Small Business Insurance Essentials: A 10-Point Checklist from TGH Insurance

Running a business in Texas means protecting employees, customers, vehicles, equipment, and your financial future. The right insurance plan keeps your company safe from accidents, lawsuits, and unexpected losses. At TGH Insurance, we help Texas small business owners understand exactly what they need – without paying for what they don’t.

This simple 10-point checklist will help you make smart coverage decisions for your business in Conroe, Willis, Montgomery County, and throughout Texas.

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10-Point Texas Small Business Insurance Checklist

1 General Liability Insurance

This protects your business if someone claims bodily injury, property damage, or advertising injury.
✔ Required for most leases and service contracts.

2 Commercial Property Insurance

Covers your building, inventory, and equipment from fire, theft, vandalism, or storm damage.
✔ Essential for retail shops, offices, contractors, and warehouses.

3 Business Owners Policy (BOP)

A bundled policy combining General Liability + Property Insurance at a lower price.
✔ The most common option for small businesses in Texas.

4 Workers’ Compensation Insurance

Pays medical costs and lost wages if an employee gets hurt on the job.
✔ Texas does not mandate workers comp, but…
✔ It prevents lawsuits and is required for many contracts.

5 Commercial Auto Insurance

Protects vehicles used for business, including work trucks, vans, and delivery vehicles.
✔ Critical for contractors, real estate agents, and mobile service providers.

6 Hired and Non-Owned Auto Coverage

Covers employees who use their own vehicles for business activities like deliveries or jobsite travel.
✔ A major gap many Texas businesses overlook.

7 Professional Liability (E&O Insurance)

Protects against negligence claims or service mistakes.
✔ Ideal for consultants, real estate professionals, contractors, and tech providers.

8 Commercial Umbrella Policy

Provides extra liability limits above your other policies in case of large claims or lawsuits.
✔ An affordable way to protect against big financial risks.

9 Cyber Liability Insurance

Covers data breaches, phishing, and online fraud – a growing threat to Texas businesses.
✔ Especially important if you store customer information or take online payments.

10 Business Income / Interruption Coverage

Pays ongoing expenses if your business cannot operate due to a covered loss…
like fire, storm damage, or forced business shutdowns.

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Why Insurance Needs Change as You Grow

As your business expands – new employees, vehicles, jobsites, or contracts – your risk changes.
This checklist should be reviewed every year to make sure your coverage keeps up.

At TGH Insurance, we provide:
✅ Local Texas support
✅ A+-rated carriers (Progressive®, Travelers®, Safeco®)
✅ Fast certificates for contractors
✅ Honest pricing with zero pressure

Call us locally: (936) 465-9981
Get a Texas business insurance quote online:
https://tghinsurance.com/business-insurance/

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Quick Q&A: What Do Texas Business Owners Ask Most?

“Is workers comp required in Texas?”
No – but without it, businesses can be sued for workplace injuries. Most partners and hiring organizations require it.

“Do I need commercial auto if we only use personal cars?”
Yes – if a car is driven for work, personal auto insurance may deny claims.

“How much liability coverage should my business carry?”
Most Texas businesses choose $1M – $2M, and add an umbrella for extra protection.

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Final Thought from TGH Insurance

“Smart insurance is not about paying more – it’s about protecting what you’ve worked hard to build.”

Let us review your coverage using this checklist and design a plan that protects your business at every stage.

Start your coverage plan today
https://www.tghinsurance.com/get-quote/