Texas does not require every business to carry the same insurance.
- Commercial auto insurance is required for vehicles used for business purposes.
- Workers’ compensation insurance is not mandatory for most private employers, but some government contracts require it and many businesses choose to carry it to reduce liability.
- General liability insurance is not required by Texas law, but landlords and clients often require it before signing leases or contracts.
Understanding what is legally required versus contractually required helps Texas business owners stay compliant while protecting their operations.
