Commercial Insurance for Texas Businesses
Every business faces different risks. Lavon Insurance helps Texas business owners compare commercial insurance options from multiple carriers, with local service and personal attention.
From property and liability to commercial auto, workers’ compensation, cyber insurance and specialty coverage, we can help you build an insurance program around the way your business actually operates.
No Two Businesses Have the Same Risks
Property, employees, vehicles, customers, equipment, technology and daily operations can all create different insurance exposures.
There is no single commercial insurance policy that works for every company. The right combination of coverage depends on what your business does, what you own, who you employ, how you operate and the risks you face.
As an independent insurance agency, Lavon Insurance works with multiple insurance carriers and can help you compare available business insurance options based on your operations and coverage needs.
Start With the Basics
Many businesses begin with a combination of liability, property, vehicle and employee-related insurance.
Commercial Auto Insurance
Coverage options for company vehicles, work trucks and other vehicles used in business operations.
Learn About Commercial Auto →Business Owner’s Policy
A BOP can combine important property and liability coverages into one policy for eligible businesses.
Learn About BOP Coverage →Workers’ Compensation
Coverage that can provide benefits for covered work-related injuries and illnesses, subject to policy terms and applicable requirements.
Learn About Workers’ Compensation →What Does Small Business Insurance Cost in Texas?
See typical monthly costs, the factors that raise or lower premiums, how much coverage you need and how general liability, commercial property, business auto and a BOP compare.
Read the Small Business Insurance Guide →Business Property & Income Insurance
Your business depends on more than a building. Equipment, inventory, furniture, tools and other property may all be essential to daily operations.
Business Personal Property
Coverage for eligible equipment, inventory, furniture, tools and other business contents.
Learn More →Inland Marine
Coverage options for certain business property while in transit or away from your primary location.
Learn More →Business Interruption
Coverage options addressing certain income losses after a covered property loss.
Learn More →Equipment Breakdown
Coverage options for certain sudden mechanical or electrical equipment breakdowns.
Learn More →Commercial Crime
Coverage options for certain losses involving theft, fraud, forgery and other covered crimes.
Learn More →Business Liability Insurance
Liability exposures can arise from customers, employees, products, professional services, technology and everyday business operations.
General Liability
Coverage for certain third-party bodily injury, property damage and personal or advertising injury claims.
Learn More →Professional Liability & E&O
Coverage for certain claims arising from professional services, errors or omissions.
Learn More →Commercial Umbrella
Additional liability protection that may apply above certain underlying business policies.
Learn More →Employment Practices Liability
Coverage options for certain employment-related claims involving workplace practices.
Learn More →Business Liability Overview
Explore the different liability coverages that may help protect your business.
Explore Business Liability →E&S & Surplus Lines Insurance
Some businesses and properties do not fit neatly into the standard insurance market.
Excess and Surplus Lines insurance can provide options for certain unique, higher-risk or difficult-to-place commercial exposures when standard-market options are limited.
E&S insurance operates differently from standard insurance, including differences in regulation and consumer protections, so understanding those differences is important.
Commercial Insurance for a Variety of Texas Businesses
Contractors & Trades
Electricians, plumbers, HVAC techs and subcontractors: liability, tools, commercial auto, workers’ comp and fast certificates of insurance.
Explore Contractor Insurance →Retail Businesses
Property, inventory, customers, employees and day-to-day operating exposures.
Professional Businesses
Professional liability, cyber, property and other specialized business coverage.
Restaurants
Property, equipment, customers, employees and business interruption exposures.
Transportation Businesses
Commercial auto, trucking and other specialized transportation insurance needs.
Explore Trucking Insurance →Small Businesses
Flexible combinations of liability, property, BOP, commercial auto and other coverage.
Explore Small Business Insurance →Why Work With an Independent Insurance Agency?
Choosing commercial insurance is about more than buying a policy. It starts with understanding the risks your business actually faces.
Multiple Carriers
We can work with multiple insurance carriers and compare available options based on your business.
Personal Service
You work with someone who takes time to understand your business and explain available coverage options.
Coverage Built Around You
We start with your actual operations, property, vehicles, employees and other exposures.
One Agency for Multiple Needs
From liability and property to commercial auto and specialty coverage, we can help evaluate multiple business insurance needs.
How Commercial Insurance Works With Lavon Insurance
Tell Us About Your Business
We learn about your operations, property, vehicles, employees and other important insurance considerations.
We Compare Available Options
We review available insurance options from participating carriers based on the information you provide.
You Choose Your Coverage
We explain the available options so you can make an informed decision about the coverage that fits your business.
Commercial Insurance in Lavon and Throughout Texas
Lavon Insurance serves businesses throughout Texas, with a strong local focus on Lavon and surrounding North Texas communities.
If you’re searching for commercial insurance in Lavon, Wylie, Nevada, Josephine, Princeton, Royse City, Fate, Farmersville, Greenville, Murphy, Melissa, Rowlett, Rockwall, Sachse or nearby communities, our independent agency can help you explore available business insurance options.
Frequently Asked Questions About Commercial Insurance
What is commercial insurance?
Commercial insurance is a broad term for insurance products designed to help businesses manage different risks. Coverage may include general liability, commercial property, commercial auto, workers’ compensation, cyber insurance and other policies.
What commercial insurance does my business need?
It depends on your industry, operations, property, vehicles, employees, contracts and other exposures. There is no single commercial insurance package appropriate for every business.
How much does small business insurance cost in Texas?
Costs vary by industry, size, location, vehicles and claims history. Our small business insurance guide shows typical monthly costs for general liability, a BOP, workers’ compensation and commercial auto, plus how to decide how much coverage you need.
What insurance do contractors need in Texas?
Most trade contractors need general liability, tools and equipment coverage and commercial auto, and many need workers’ compensation and certificates of insurance to meet contract requirements. Our contractor insurance page covers electricians, plumbers, HVAC contractors and subcontractors, including Texas license insurance minimums.
What is a Business Owner’s Policy?
A Business Owner’s Policy, or BOP, combines certain commercial coverages into one policy for eligible businesses. A BOP commonly includes property and general liability coverage, although exact protection varies by insurer and policy.
Does my business need commercial auto insurance?
If vehicles are owned, leased or used for business purposes, commercial auto insurance may be appropriate. Personal auto policies can have limitations when vehicles are used for business.
What is the difference between business property and business liability?
Business property coverage generally addresses eligible physical property and related losses, while liability coverage addresses certain claims made against the business by customers, clients or other third parties.
Can Lavon Insurance compare multiple insurance companies?
Yes. Lavon Insurance is an independent insurance agency and can compare available commercial insurance options from participating carriers based on your business and coverage needs.
Get a Commercial Insurance Quote
Tell Lavon Insurance about your business and let us help you compare available commercial insurance options from multiple carriers.
Coverage, limits, exclusions, deductibles, eligibility and availability vary by insurance company and policy.