Commercial Insurance
Protect your business, your employees, and your livelihood from the unexpected. Our commercial insurance solutions are designed for Texas businesses — so you can focus on growth while we handle the “what ifs.”
About Commercial Insurance
Running a business means taking on risk every day, from natural disasters and theft to lawsuits and employee injuries. Commercial insurance protects your physical location, inventory, equipment, income, and people — so a single incident doesn’t jeopardize everything you’ve built.
Guard against lawsuits & liability
Even the smallest businesses face liability risks. A slip-and-fall on your property, a customer lawsuit over services, or allegations of faulty workmanship could cost thousands. Your policy steps in to cover legal fees, settlements, and damages.
Keep your business running after a disaster
If a fire, storm, or vandalism forces you to close temporarily, business interruption coverage can replace lost income, helping you pay rent, employees, and keep operations afloat until you reopen.
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Shield Your Business From Risk
Comprehensive commercial insurance does more than tick boxes for compliance — it gives you peace of mind to take on new opportunities knowing your business is shielded from major financial setbacks.
Industry-Specific Coverage
From restaurants to tech firms, we structure policies that fit your unique risks and regulatory requirements.
Employee-Focused Protections
We help you navigate workers comp, EPLI (employment practices liability), and other solutions that protect your team and keep you compliant.
Safeguard Your Reputation
Errors & omissions (E&O) insurance covers professional mistakes or oversights that could otherwise damage your reputation and finances.
Our Process
We make it easy for busy business owners to get robust, reliable protection.
01.
Understand your operations
We start with a deep dive into how your business runs, what assets you have, and your biggest risks.
02.
Craft a tailored insurance portfolio
Based on your goals and exposures, we build a mix of coverages — property, liability, income, cyber, and more.
03.
Fast approvals & certificates
We know time is money. We streamline underwriting so you can get COIs or meet vendor requirements quickly.
04.
Review & adjust as you grow
Your needs change. We’ll revisit your policies regularly so your coverage evolves with your business.
Why Businesses Partner With Us
You’ve invested your time, money, and sweat into building your business — we help make sure you don’t lose it all to one bad day.
We Speak Your Language
We break down complex insurance jargon into straightforward terms, so you understand exactly what’s protected.
Local & Industry Expertise
From construction to retail, we know the nuances of business risks in Texas and structure policies that make sense.
Proactive Advisors
We don’t disappear after the policy is signed. We’re here for guidance, claims support, and yearly reviews.
what our clients are saying
We take pride in delivering fast, honest service — and making sure our clients feel confident in their coverage. Here’s what they’ve shared:
“Farmers helped me find the right commercial insurance for my startup. Their personalized approach made me feel like I was in good hands.”
– John M
“Their team goes above and beyond to answer my questions and provide updates. It’s rare to find such genuine care and professionalism these days.”
– Emma
“Farmers Insurance has been with us for years, covering our home, auto, and even our boat. I trust them completely to take care of what matters most.”
– David
“I switched to Farmers for my business insurance, and it was the best decision ever. They offer tailored coverage and took the time to explain everything in detail.”
– Michael T
“Farmers Insurance has been a lifesaver for my family. Their team is always friendly, responsive, and ready to help. I feel confident knowing my home and car are protected with them.”
– Zhon
“Farmers Insurance has been a lifesaver for my family. Their team is always friendly, responsive, and ready to help. I feel confident knowing my home and car are protected with them.”
– Zhon
“I switched to Farmers for my business insurance, and it was the best decision ever. They offer tailored coverage and took the time to explain everything in detail.”
– Michael T
“Farmers Insurance has been with us for years, covering our home, auto, and even our boat. I trust them completely to take care of what matters most.”
– David
“Their team goes above and beyond to answer my questions and provide updates. It’s rare to find such genuine care and professionalism these days.”
– Emma
“Farmers helped me find the right commercial insurance for my startup. Their personalized approach made me feel like I was in good hands.”
– John M
Commercial Insurance FAQs
Answers to the top concerns we hear from local businesses.
What kinds of businesses do you cover?
Almost any — from sole proprietors to multi-location operations. We build packages for contractors, retailers, offices, restaurants, and more.
Do I really need business interruption insurance?
If your business couldn’t survive weeks or months of lost revenue after a disaster, then yes — it’s crucial protection.
Is workers comp required in Texas?
Texas doesn’t mandate it, but it’s highly recommended. It protects your employees and shields your business from costly lawsuits.
What’s the difference between general liability and professional liability?
General liability covers bodily injury or property damage. Professional liability (E&O) protects you against claims of errors, omissions, or negligence in your services.
How quickly can we get covered?
Often within a day or two for standard policies. More complex industries or larger operations may take a bit longer.
Our Insurance
Services
From your home to your car to your family’s future, we help Texans choose the right protection with fast service and expert guidance.
refer someone & get a $5 gift card!
Whether it’s your home, car, life, business, or the toys that make it all fun, we make getting covered simple.
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