Commercial insurance explained without the runaround.
Review commercial insurance options with Ashford Insurance and get coverage guidance that fits your household, property, or business.
What to review with commercial insurance
Commercial insurance should match the actual risks of your business. One size does not fit all, even within the same industry. Start with a risk review before comparing policies.
- General liability: Covers third-party bodily injury and property damage claims. Essential for almost every business, but limits should match your exposure.
- Property coverage: Protects your equipment, inventory, and workspace. Understand business interruption coverage if your operations stop after a loss.
- Workers compensation: Required if you have employees. Covers medical costs and lost wages for work-related injuries.
- Professional liability: Also called errors and omissions. Protects you if a client claims your advice or services caused financial harm.
- Cyber liability: If you handle customer data, this covers breach response costs and potential fines.
“The right coverage should make sense for your doctors, prescriptions, property, budget, and real life, not just look good in a brochure.”Ashford Insurance
Frequently asked questions
What does commercial insurance cover?
Commercial policies typically include general liability, property, business interruption, workers compensation, commercial auto, and professional liability. Coverage is tailored to your industry and risk profile.
Is commercial insurance required in Texas?
Workers compensation is optional for most private employers in Texas. Most other commercial coverages are not legally mandated, but they are often required by landlords, lenders, or contracts.
How much does small business insurance cost in Texas?
Costs vary widely based on industry, payroll, revenue, and coverage limits. A sole proprietor with low risk may pay a few hundred dollars a year, while higher-risk operations pay significantly more.
Want help comparing your options?
Call 817-952-3153 and talk through your situation with Ashford Insurance, or request help online and we’ll help you find the next right step.
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