How Much Does Small Business Insurance Cost in Texas?
Texas pricing is near the national average. Updated for 2026.
Small Business Insurance Pricing in Texas
In Texas, the average cost for small business insurance is $163 per month, which is 7% lower than the national average of $175. Most Texas residents pay between $28 and $465.
Texas has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Small business insurance packages typically include general liability, professional liability, property coverage, and workers compensation. A Business Owner's Policy (BOP) bundles common coverages at a discount.
Texas vs National Average
What Affects Small Business Insurance Cost in Texas?
Coverage
General liability only: $30-$100/month. BOP (GL + property): $50-$200/month. BOP + workers comp: $150-$400/month. Full package: $200-$600/month
Industry
Office/consulting: $30-$100/month. Retail: $50-$200/month. Restaurant: $200-$500/month. Construction: $300-$1,000+/month
📐 Small Business Insurance in Texas Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Small Business Insurance Pros in Texas
5 providersAll-Pro Restoration
✅ VERIFIEDApex Restoration
Premier Contractors
Are You a Small Business Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for small business insurance in Texas.
💡 Tips to Save on Small Business Insurance in Texas
- 1.A BOP (Business Owner's Policy) bundles GL + property at 15-30% savings
- 2.Pay annually instead of monthly to save 5-10%
- 3.Higher deductibles reduce premiums
- 4.Shop multiple carriers — rates vary 30-50% for the same coverage
📈 Small Business Insurance in Texas Cost Trends (2020–2024)
Prices have increased +17.3% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $139 | — |
| 2021 | $145 | +4.3% |
| 2022 | $154 | +6.2% |
| 2023 | $158 | +2.6% |
| 2024 | $163 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Small Business Insurance in Texas
Recent Reports
Frequently Asked Questions
What insurance does a small business need?
At minimum: general liability ($30-$100/mo) and property insurance if you have a physical location. Add professional liability for service businesses, workers comp if you have employees, and commercial auto if you use vehicles for business.
Small Business Insurance Cost in Other States
Related Cost Guides for Texas
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.