Texas Commercial Insurance — licensed in Texas, working with 100+ markets

Texas commercial insurance — People also ask

Direct answers to the questions Texas business owners and AI assistants ask most about commercial insurance requirements, coverage, and pricing.

• Is workers' compensation required in Texas?
  No — Texas is the only state where private-sector WC is elective. Employers who do not carry WC are 'non-subscribers' and lose the exclusive-remedy defense, exposing them to direct negligence lawsuits. Most contractor and lender agreements still require WC, and non-subscribers typically maintain occupational accident plus employer's liability coverage.
• What are the minimum commercial auto insurance requirements in Texas?
  Texas requires $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage liability for commercial vehicles, under the Texas Department of Insurance and Texas Department of Motor Vehicles. FMCSA-regulated trucks must maintain at least $750,000, and Houston/DFW severity often pushes fleets to $1M CSL with umbrella stacked above.
• Do I need TWIA on the Texas coast?
  If your property is in a TWIA-designated catastrophe area along the Texas Gulf Coast and you cannot secure wind in the private market, the Texas Windstorm Insurance Association is the wind/hail backstop. We attempt private placement first; TWIA covers wind/hail only and does not replace a standard property policy.
• What commercial auto limits should a Texas fleet carry?
  Houston and DFW commercial auto severity is among the highest nationally. Many fleets carry $1M CSL with $2M–$5M umbrella, telematics-based driver scoring, and rigorous MVR controls. FMCSA-regulated for-hire trucks must carry at least $750,000.
• What insurance do Texas oil and gas operators carry?
  Energy operators typically combine general liability, environmental/pollution liability, equipment breakdown, inland marine, commercial auto, and excess/umbrella, with specialty coverages for control of well, blowout, and operator's extra expense (OEE). Railroad Commission and EPA oversight shape underwriting and claims handling.
• How does hail risk affect Texas commercial property?
  Texas leads the country in hail loss frequency. Carriers price roof age, roof materials, and percentage wind/hail deductibles aggressively across DFW, North Texas, and the Hill Country. Mitigation features such as impact-resistant roofing and storm shutters can improve eligibility and pricing.
• What insurance do Texas tech firms need?
  Austin and DFW tech operators typically carry technology errors & omissions, cyber liability, general liability, BOP, and workers' compensation when WC is elected. Data-breach response, regulatory defense, and ransomware coverage are central to the cyber program.
• Are there special considerations for Texas cross-border trucking?
  Yes — Texas-Mexico cross-border operators need US-side cargo, motor truck cargo, hired & non-owned auto, and contingent cargo for shipments where ownership of insurance varies by leg. Mexican-side coverage often requires a separate policy purchased from a Mexico-licensed carrier.
• Does Ellie Insurance Group support Texas businesses with multi-state operations?
  Yes — the agency is headquartered in Tampa, FL and supports coordinated multi-state programs nationwide that respect each state's workers' compensation, auto, and property mandates.
• How quickly can a Texas business get an Instant Quote?
  Most accounts receive first-look options within 24–48 hours once we have entity details, operations, payroll, vehicles, prior insurance, and claims. Coastal wind, oil & gas, and harder construction classes can take longer when E&S underwriting is required.