Texas Business Insurance

Secure Your Coverage in Just Minutes

A few simple clicks are all it takes.

Prefer to talk? Call us at 713-552-1900

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 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

Texas Risk Management Insurance Broker

Our experienced insurance brokers in Houston specialize in risk management solutions 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 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.

Prefer to talk? Call us at 713-552-1900

Common FAQ About Business Insurance in Texas

What is business insurance?
Business insurance protects against financial losses from incidents, theft, liability claims, and property damage.
Do I need business insurance in Texas ?
Yes, it’s essential for protecting your business from operational risks and liabilities.
What types of business insurance are available in Texas ?
Common types include general liability, professional liability, commercial property, workers’ compensation, and commercial auto insurance.
How much does business insurance cost in Texas ?
Costs vary based on coverage type, business size, industry, and claims history. Get quotes from multiple providers for accuracy.
Is workers' compensation insurance required in Texas?
No, but it is highly recommended to protect your employees and business.
What does general liability insurance cover?
It covers claims related to bodily injury, property damage, and advertising injury.
Do I need insurance for my LLC in Texas ?
Yes, insurance protects your LLC from claims during operations, preventing significant out-of-pocket expenses.
What is professional liability insurance?
It protects against claims of negligence, errors, or omissions in the services provided.
How much does product liability insurance cost for a Texas business?
Typically included in general liability insurance, costs vary based on several factors.
How do I file a claim for business insurance?
Contact your insurance provider directly, provide the necessary documentation, and follow their claims process.

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

Professional Liability Claim Examples in the Engineering World

The intricate engineering world, where designs and structures shape our daily lives, is not free from potential pitfalls. Errors, while
The Difference Between General and Professional Liability for Engineering Firms

The Difference Between General and Professional Liability for Engineering Firms

Navigating the insurance world can be a maze, especially when determining the appropriate coverage for specific risks that engineering firms
Mistakes Happen: How Professional Liability Protects Engineering Firms from Unforeseen Errors

Mistakes Happen: How Professional Liability Protects Engineering Firms from Unforeseen Errors

Engineering projects are a blend of precision, innovation, and expertise. Yet, like in any profession, mistakes can happen. Even the