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.

What-Is-Professional-Liability-Insurance-Coverage

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.

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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

     EXCELLENT  
  18 reviews

    
 
 
      Posted on Google  
   
   Bobbie Llenz 
 20 December 2023
 
 
  I cannot say enough good things about Risk Specialty Group.  Their team is professional, and they have your best interest in mind.  I highly recommend them.   Our agent is Travis Landers and his team always take care of us every step of the way through the renewal process down to a dreaded claim.  We have been in business 27 years and believe me you want these people on your side.
  
 
     Posted on Google  
   
   JMD Engineering LLC 
 27 November 2023
 
 
  Couldn't be more pleased with the level of service and competitive pricing.  I have a niche business that falls outside the norm of most. Risk Specialty Group took the time to understand my business and provide the perfect solution of coverage for me. I highly recommend them to any small business in need of coverage.
  
 
     Posted on Google  
   
   Jill Bard 
 20 November 2023
 
 
  When I started my business 4 years ago, the team at Risk Specialty Group was recommended to me by a long-time colleague to handle business and professional liability insurance.  I could not be happier!  Travis, Deanna, and the entire team are wonderful to work with.  They consistently provide excellent service and go above and beyond to make sure I have what I need, when I need it.  One example: I purchased a new vehicle for the business and was signing paperwork late on a Friday afternoon not realizing I would need auto insurance before I drove it off of the lot.  Travis and his team took my call at 5pm and made sure I had coverage so I could drive home before 6pm, on a Friday!  Just one example of their excellent service and responsiveness.
  
 
     Posted on Google  
   
   Chris Abell 
 17 November 2023
 
 
  I've been partnering with Risk Specialty Group for last few years, and they consistently deliver exceptional service. The team's responsiveness is truly commendable being both prompt and efficient. The account managers at Risk Specialty Group are clearly experienced, making the process of navigating insurance requirements seamless. I appreciate their attention to detail and the assurance that my business is in capable hands. I highly recommend them to any business in search of a reliable insurance partner.
  
 
     Posted on Google  
   
   Blyss 
 16 November 2023
 
 
  I would highly recommend Risk Specialty Group to anyone looking for reliable and helpful insurance professionals who go above and beyond to ensure customer satisfaction. Travis and Leah have consistently shown exceptional reliability, proving to be significant assets in navigating the complexities of insurance policies. Their unwavering commitment to providing assistance is evident in prompt and thorough responses, along with valuable feedback. Barron Engineering appreciates all of your help and support!
  
 
     Posted on Google  
   
   Nicola Hartman 
 15 November 2023
 
 
  The Risk Specialty Group was recommended to TTL by another client of theirs. We have not been disappointed! Both Travis and Candi have been wonderful to work with - the communication is exceptional and the overall switch from a different company has been seamless. I look forward to working with them for many more years to come.
  
 
     Posted on Google  
   
   Real David N 
 12 October 2021
 
 
  Risk Specialty Group has handled my micro-company's insurance for almost five years.  They have consistently provided prompt, professional, friendly, and effective customer service. I am always sure that I have access to their "A" team and that they are in my corner.  Of all my service providers, they are #1 in that department.  6 stars if I could.
  
 
     Posted on Google  
   
   J Smith 
 31 January 2019
 
 
  Prompt, knowledgeable, and courteous. Enjoyed working with the Risk Specialty Group team.
  
 
     Posted on Google  
   
   Brian Richardson 
 28 January 2019
 
 
  My company, EFR Contracting LLC, uses Risk Specialty Group because of their industry expertise, professionalism, superior customer service and attention to detail. I highly recommend them.
  
 
     Posted on Google  
   
   Elizabeth Schlitzberger 
 17 January 2019
 
 
  Very professional group with great attention to detail. They care about their customers! I highly recommend them!

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.

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

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

California

New Mexico

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

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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

David Nelson

15:10 01 Apr 19

Risk Specialty Group has handled my micro-company's insurance for almost three years. They have consistently provided prompt, professional, friendly, and effective customer service. I am always sure that I have access to their "A" team and that they are in my corner. Of all my service providers, they are #1 in that department. 6 stars if I could.

Todd McMakin

16:00 04 Dec 18

We have been using the Risk Specialty Group for our company insurance for two years and have been very happy with our rates and with the customer service that we have received. They are always quick to respond to questions and requests. Highly recommended!

Su Young

18:52 04 Dec 18

Risk Specialty's owner is great to work with, excellent knowledge of the marketplace and clients' insurance needs. The staff is thorough, experienced and friendly. Great shop to consider for your insurance needs.

Elizabeth Schlitzberger

15:23 17 Jan 19

Very professional group with great attention to detail. They care about their customers! I highly recommend them!

Parallax Consulting Group

01:30 19 Dec 18

I am currently renewing my coverage for year (2) of my business. Everyone at RSG has been extremely helpful, while also being clear and concise with all my options and/or questions through every step of my growth, risk management and company success. I would highly advise and/or recommend RSG to anyone looking to find a firm you can count on...but most importantly, trust!