Coverage for Austin small business
Austin’s growth corridor keeps contractors, restaurants and service businesses busy —
and exposed. The three policies most local businesses actually need:
General liability
Covers third-party bodily injury and property damage from your operations. Almost every
commercial lease, and most clients, require a certificate naming them as additional insured.
Limits of $1M per occurrence / $2M aggregate are the standard starting point.
Business owners policy (BOP)
Bundles general liability with commercial property — building, contents, and often
business income. It is usually the most cost-effective structure for a restaurant, salon,
retail shop or small office.
Commercial auto
If a vehicle is used for business — including a pickup hauling tools to job sites —
a personal auto policy will not respond to a business-use claim. For contractors this is the
single most common coverage gap we find.
Texas-specific requirements
- Workers’ compensation is optional in Texas for most private employers, which is exactly why so many contracts now require proof of it.
- Commercial auto liability minimums are higher than personal auto and scale with vehicle weight.
- Certificate of insurance requests from GCs and landlords are routine; we issue them same-day.
Call (737) 265-7967 to walk through what your business
actually does and what it needs.