How much is business insurance in Texas?

The cost depends on your industry, payroll, revenue, and risk level.

For many small businesses:

  • General liability insurance typically costs $20 to $40 per month, or about $250 to $500 per year.
  • A Business Owner’s Policy (BOP) often starts around $40 per month.
  • Workers’ compensation insurance varies based on payroll and job classification.

Higher-risk industries such as construction, medical services, and skilled trades usually pay more. However, most small businesses find coverage affordable compared to the cost of a single lawsuit.

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.