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Yes and No. Small business insurance is a catch-all term that can include several different types of coverage, some required by the state of Texas and some not.
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[av_toggle title=’Okay, so if I run a small business in Texas, what types of small business insurance do I need to have?’ tags=”]
First, the state of Texas requires all employers to carry Workers’ Compensation insurance. That is one type of small business insurance that is absolutely mandatory. If you don’t have it, you can be fined or even sent to jail.

Another type of insurance that you may be required to carry is commercial auto. If any company vehicle, or a vehicle owned by an employee, is used to transport your employees, then it must be covered by commercial auto insurance. If no vehicle is used to transport employees, you may not be required to carry commercial auto for your small business, but it’s a good idea to have it anyway.

The third type of insurance that is usually thought of as essential for a small business insurance package, although not required by law, is general liability insurance. General liability protects a small business from having to pay large amounts out of pocket for bodily injury or property damage from an accident at your place of business or at a work site. Many clients require even the smallest businesses to have general liability coverage in order to do business with them. There is also specialized liability insurance for small businesses in certain industries. For example, Texas requires companies in the private security and investigation industry to have special liability insurance. There are also specialized liability coverages for janitorial, maintenance, and cleaning firms, as well as for contractors in the construction industry and building trades.
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You don’t want to pay for something you don’t need, and you don’t want to be caught without coverage you do need. There really is no standard one-size-fits-all small business insurance package. The types of coverage you need, and the amount of coverage you need, may not be the same as what another small business, even in the same industry, may need. Therefore, your best bet is to talk to an insurance professional to determine what and how much insurance is tight for your particular small business.

Many insurance providers will bundle two or more different types of coverage in a small business insurance package. It may be more convenient or cost-effective for you to pay one premium for all of your small business insurance than separate premiums for different coverages.

The most commonly bundled coverages are Workers’ Compensation, commercial auto, and general liability. Some insurance companies refer to this kind of small business insurance plan as a business owner’s policy, or simply small business insurance. Because of the lack of standard names for some insurance products and the wide variety of small business insurance coverages available, just make sure that you re speaking the same language as any insurance professionals you consult in search of the right small business insurance for your company.
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Southern State Insurance is a company that works with various carriers in order to provide our clients with more options and more competitive rates. Some of the carriers we have partnered with are:
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Southern State Insurance is a company that works with various carriers in order to provide our clients with more options and more competitive rates. Some of the carriers we have partnered with are:
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NOTICE:

We are not a marketing company. We do not sell your information, all information goes directly to an expert insurance broker. Serious inquiries only.

California License #0G05840

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[av_testimonial_single src=” name=’Anwaar S.’ subtitle=’Chula Vista, CA’ link=’http://’ linktext=”]
“Most agents sell you an insurance policy and forget about servicing it. I am glad to know that my agent is not like that. Very attentive to my needs and I get my certificates right the way Thank you again for being great agent”
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[av_testimonial_single src=” name=’Joe R.’ subtitle=’San Jose, CA’ link=” linktext=”]
“Southern State Insurance has been our provider of business liability insurance for the past 2 years. They are very responsive when need anything, and we find their pricing to be competitive. We are happy with the insurance services we have with Southern State.”
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[av_testimonial_single src=” name=’Chris C.’ subtitle=’Fresno, CA’ link=” linktext=”]
“Great company,great service Anyone who answers the phone is able to take care of all my requests… Nick,Carolina,Karen or Alfa
Good price and even better service”

Owner Colbern Communications

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[av_testimonial_single src=” name=’Attila V.’ subtitle=’San Diego, CA’ link=” linktext=”]
“After being ripped off at other insurance places i came down to this office where they were able to get me a significantly lower rate and got rid of my previous issue i had with my other company. everyone was friendly and cheerful 6 months later i got a call from Alfa who was so nice she was able to get my insurance down another 5$ monthly and still keep my benefits. I’m definitely sticking with these guys forget those other rip offs.”
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