Texas Business Insurance
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Risk Specialty Group: Your Texas Business Insurance Partner
Texas small businesses drive the economy, and Risk Specialty Group is here to protect them. We offer tailored business insurance solutions to safeguard your company against unexpected risks.
Texas Business Owner’s Policy (BOP)
Our Texas BOP combines general liability and business property insurance in one simple policy. Customize it with options like data breach protection. A BOP is ideal if:
- Your business has a physical location in Texas.
- You face risks like customer lawsuits.
- You have valuable assets that need protection.
Trust Risk Specialty Group to keep your Texas business secure.
Texas Risk Management Insurance Broker
Our experienced insurance brokers in Houston specialize in risk management services tailored to your business. We identify potential risks, assess their impact, and develop effective mitigation strategies.
Errors and Omissions Insurance in Texas
Errors and omissions insurance, also known as E&O insurance or professional liability insurance, helps protect your business from claims of:
- Negligence
- Errors or omissions in your services
- Violation of good faith and fair dealing
- Misrepresentation
- Inaccurate advice
Professional Liability Insurance in Texas
Professional liability insurance is not just a necessity; it’s a source of peace of mind for businesses offering services or advice in Texas. At Risk Specialty Group, we offer a range of specialized insurance products to protect your business and its unique needs.
Our Texas professional liability services include:
With Risk Specialty Group, you can rest assured that your business is fully protected from the risks unique to your profession.
What Is Covered by Professional Liability Insurance Services in Texas?
Your Professional liability insurance policy is a comprehensive shield for your business, safeguarding it from claims related to errors or omissions in your services. It covers a wide range of scenarios, including:
- For instance, imagine an accounting firm providing financial advice that leads to significant losses for a client, resulting in a lawsuit. In this scenario, your professional liability insurance would cover the legal fees and any potential settlement, saving your business from a significant financial burden. An interior designer repainting the wrong room in a client’s home leads to a lawsuit to cover the costs of correcting the mistake.
- A real estate firm is sued after one of its agents provides inaccurate information to a client about a property, affecting the client’s purchasing decision.
What Is Not Covered by Professional Liability Insurance?
While E&O insurance provides crucial protection, it does not cover every situation. It will not protect your business from claims related to:
- Work-related injuries
- Auto accidents during business-related driving
- Customer slips and falls at your location
- False advertising
For these types of claims, additional policies such as commercial auto insurance or general liability insurance are necessary.
Examples of scenarios not covered by E&O insurance include:
- An employee accidentally damaged a customer’s property while delivering furniture, resulting in a property damage claim.
- A customer is slipping and falling on your premises and filing a claim for medical expenses.
- Multiple customers are filing lawsuits due to misleading information in your advertisements.
Is Professional Liability Insurance Required in Texas?
In Texas, E&O insurance is strongly recommended for businesses offering professional services or advice. It’s crucial to be aware of and comply with state and industry-specific insurance requirements. Without the right coverage, you may have to pay significant legal costs out of pocket, potentially harming your business’s financial health.
For businesses operating in Texas, Risk Specialty Group is here to support you:
What Our Clients Are Saying
Get a Quote for Professional Liability Insurance in Texas Today
The best way to secure the right business insurance is by comparing multiple quotes. Risk Specialty Group offers customized insurance solutions tailored to your needs. With over 150 years of combined experience, we’ve built a reputation for exceptional customer service and dependable coverage for Texas businesses.
Secure Your Coverage in Just Minutes
A few simple clicks are all it takes.
Texas Business Insurance
Welcome to The Risk Specialty Group, your trusted Texas insurance agency serving design professionals and businesses across the entire Texas. We specialize in providing comprehensive and tailored insurance solutions that protect your professional practice and business interests, no matter where your business operates. Explore our wide range of services designed to meet the unique needs of businesses across the Texas.
We proudly serve all states, including but not limited to:
United States
Arizona
Arkansas
Oklahoma
Texas
Common FAQ About Business Insurance in Texas
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Stay Informed with Our Insurance Blog
Risk Specialty Group’s insurance blog provides insights on professional liability coverage and essential business insurance tips specifically for the United States. Access the latest updates and expert advice tailored to your needs.
Professional Liability Claim Examples in the Engineering World
The Difference Between General and Professional Liability for Engineering Firms
