Commercial Insurance in Texas
Coverage built around the way your business works.
Every business has a different combination of property, people, vehicles, contracts and customer obligations. Tran & Lee Insurance Agency helps owners identify exposures and review practical commercial insurance options.
Start with your actual exposures
Commercial policies are not one-size-fits-all, and Texas commercial property forms are not standardized. Coverage depends on the insurer, policy form, endorsements and business operations disclosed in the application. We learn how your business operates before discussing limits, deductibles and coverage.
General Liability
May respond to covered third-party bodily injury, property damage and certain personal or advertising injury claims.
Commercial Property
Can protect an insured building, equipment, inventory, furniture and other business property against covered causes of loss.
Business Owners Policy
A BOP may combine property and liability protection for eligible small and midsize businesses, often with optional endorsements.
Commercial Auto
Covers eligible vehicles used in the business, with available liability and physical-damage selections.
Workers' Compensation
Can provide statutory benefits for covered work-related injuries and employer-liability protection. Texas rules and client contracts should be reviewed carefully.
Professional Liability
May address covered claims alleging errors, omissions or failure in professional services. Forms are tailored to the profession.
Cyber Liability
May help with specified data breach, privacy, network-security, notification and cyber-extortion expenses.
Umbrella or Excess
Can add limits above certain underlying liability policies, subject to its own terms and required underlying coverage.
Details that shape a business quote
- Legal entity, ownership, locations and years in business
- Exact operations, services, products and customer types
- Annual revenue, payroll and number of employees
- Building construction, occupancy, protection systems and equipment values
- Vehicles, drivers and business use
- Subcontractor practices and certificates of insurance
- Prior coverage, losses and contract requirements
Review after important changes.
Contact us before opening a location, adding a service, hiring employees, buying a vehicle or equipment, signing a large contract, working in another state, storing customer data differently or substantially increasing sales. A policy written for yesterday's operations may not fit today's risk.
Frequently asked questions
What is a certificate of insurance?
A certificate summarizes certain coverage in force on the date issued. It is not the policy and does not create or change coverage. Contract requirements should be reviewed before work begins.
Does general liability cover professional mistakes?
Usually not in the same way as professional liability. Businesses providing advice or specialized services should discuss errors-and-omissions or professional-liability coverage.
Can a personal auto policy cover business driving?
Some incidental use may be allowed, but exclusions and limitations apply. Vehicles titled to a business, deliveries, transporting people or equipment, and regular business use need careful review.
Can you quote a startup?
Options depend on the industry, experience, location, projected sales and other underwriting factors. New ventures should provide a clear description of operations and relevant prior experience.
Request a Texas commercial insurance review.
Tell us what you do, where you work and what you need to protect.
Start a Business Quote →Coverage disclaimer: General information only. Commercial coverage varies substantially by insurer and policy form. Coverage applies only as stated in the issued policy and is subject to all terms, limits, deductibles, conditions and exclusions.