General liability
The policy most leases and client contracts require before you start.
Business Insurance
Business startup insurance for year one.
Most new businesses buy insurance because a landlord or a client asked. That is a reasonable starting point — it is just not the whole answer.
New businesses rarely need everything at once, but they usually need more than the single policy someone demanded. The useful sequence is to cover what would end the business, satisfy what your contracts require, then add the rest as you grow.
What to buy first, and what can wait
General liability is almost always first, because leases and client contracts require it. Property or contents cover follows if you hold equipment or stock, and commercial auto the moment a vehicle is used for the business.
Professional liability comes next if clients rely on your advice or work, and cyber if you hold customer data. Workers compensation becomes relevant when you hire, and is often required by clients whatever Texas law says.
What it covers
The parts of a business startup insurance policy
Property and contents
Equipment, stock and any fit-out you have paid for.
Professional liability
Where clients rely on your advice, designs or services.
Commercial auto
From the first day a vehicle is used for the business.
Working with us
What we do differently
We are an independent agency, so we place your business startup insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Send us the lease and client contracts — they set the limits you need
- Review cover when you hire, take premises, or land a larger client
- Do not over-buy in year one, but do not skip what a contract requires
Common questions
Business Startup Insurance, answered
What insurance does a new Texas business need first?
Usually general liability, because leases and client contracts require it. Then property cover if you hold equipment or stock, and commercial auto as soon as a vehicle is used for work.
Do I need workers comp from day one?
Texas does not require it for most private employers, but it becomes relevant as soon as you hire, and many clients and general contractors require it regardless.
How often should I review cover?
Whenever something material changes — hiring, moving premises, adding a vehicle, or signing a client whose contract specifies limits. Annual renewal alone tends to lag behind a growing business.
Related cover
Often arranged alongside this
Business Insurance
A shop, a contractor and a software firm face entirely different risks. We place commercial cover across multiple carriers rather than fitting you to one company's template.
Read moreHome Based Business Insurance
Your homeowners policy covers your home. It covers almost nothing about the business being run inside it.
Read moreGeneral Liability Insurance
Commercial general liability covers claims brought against your business by other people. It is also the policy almost every client contract and commercial lease requires you to hold.
Read moreReady for a business startup insurance quote?
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