We Help
Small Businesses
Protect daily operations, assets, and customer-facing risk.
- General Liability
- Business Owners Policy (BOP)
- Commercial Property
- Workers' Compensation
Commercial Insurance in Texas
Protect operations, people, and property with policy structures aligned to your industry, risk profile, and growth stage.
Running a business comes with risks, from liability claims to property damage and employee injuries. We support small businesses, contractors, and trucking operations across Texas with coverage tailored to the way you work.
25+
Years serving Texas businesses
85+
Store locations statewide
30+
Carrier options to compare
Business-Ready Coverage
Compare industry-fit options and build a program that grows with your operation.
Commercial insurance helps protect your business, employees, and assets from unexpected losses so you can focus on growth and success.
We Help
Protect daily operations, assets, and customer-facing risk.
We Help
Coverage tailored for job-site risk and active trades.
We Help
Keep vehicles compliant, covered, and moving.
Build a resilient business insurance program by understanding each coverage role.
Protects your business against third-party bodily injury and property damage claims.
Best for: Most businesses with customer, vendor, or public interaction
Covers business locations, inventory, equipment, and furnishings from covered losses.
Best for: Businesses with physical assets or leased commercial space
Supports employees and employers when job-related injuries or illnesses occur.
Best for: Businesses with staff or field operations
Coverage for business-use vehicles from single units to full operational fleets.
Best for: Contractors, logistics teams, and service fleets
Helps protect service-based businesses from claims related to mistakes or negligence.
Best for: Firms providing advice, design, or specialized services
Packages core liability and property coverage into one practical policy structure.
Best for: Small to mid-size businesses seeking bundled coverage
These underwriting factors usually shape premium, terms, and coverage structure.
Different industries present different exposure profiles that directly affect underwriting.
Scale metrics influence pricing because they correlate with exposure and claim potential.
Office, shop, and field geography can affect property and liability risk.
Fleet composition and equipment value influence premium and coverage structure.
Prior incidents and demonstrated risk controls both impact carrier appetite.
Coverage depth and cost-sharing decisions materially change premium and risk transfer.
Apply these strategies to improve total insurance value without introducing coverage gaps.
Combining policies can simplify renewals and produce stronger total-program pricing.
Review personal auto coverage pathways ->Documented safety controls can reduce claims and improve rate outcomes over time.
See homeowners risk-protection basics ->As operations grow, moving to proper commercial structures reduces coverage gaps.
Understand renters policy boundaries ->Carrier appetite shifts each year; periodic remarketing can surface better terms.
Learn about Amtex local support ->Choosing the right commercial insurance partner matters just as much as choosing the right coverage.
We compare rates and coverage options to find the best fit for your business.
Licensed local agents who know the communities and industries they serve.
We review and adjust coverage as you add vehicles, hire employees, or expand.
In the Field
Visual examples help business owners connect policy strategy to everyday operations. These common scenarios show why coverage must match industry, location, and growth stage.
Learn how local agents support commercial accounts ->Small Business
From storefront liability to leased-space property protection, align coverage with real customer traffic and daily operations.
See core coverage options ->Contractors
Contractors need policy structures built for changing job sites, tools, and subcontractor requirements.
Review underwriting factors ->Trucking
Vehicle usage, routes, and cargo risk can change quickly, so fleet coverage should be reviewed consistently.
Use the cost-control playbook ->
Local Support
Work with local agents who understand Texas regulations, certificates of insurance, and growth-stage adjustments.
Meet the Amtex team ->Straight answers for common Texas business insurance questions.
Most businesses with property, employees, customers, vehicles, or contract obligations need some form of commercial insurance.
Often yes. Business-use vehicles may require commercial auto coverage depending on usage, ownership, and contractual requirements.
General liability covers third-party injury and property claims, while a BOP typically combines liability and commercial property into one package.
Rates commonly depend on industry class, payroll/revenue, location, claims history, vehicles/equipment, and selected limits.
Yes. Policies should be reviewed and adjusted as you add staff, vehicles, locations, or services.
Initial options can often be reviewed quickly, while final terms depend on underwriting details and required documentation.
Build a practical commercial program designed for your operations, team, and growth plans.
Have questions? Ready for a quote? Reach out to us today.
1-866-MY-AMTEX
Mon-Fri: 8am - 8pm EST
quotes@amtexinsurance.com
We'll respond within 24 hours