Commercial Insurance Industry

Protect Your Texas Business with Custom Commercial Insurance Coverage

Every business faces unique risks, from property damage to liability claims. At TIA-Texas Insurance Agency, we provide comprehensive commercial insurance solutions tailored to your industry, risk profile, and company size. Whether you’re a small retail shop or a large commercial enterprise, we help you secure the right coverage that protects your assets, employees, and future.

At TIA-Texas Insurance Agency, our experienced Texas agents work with multiple carriers to find affordable commercial insurance coverage without unnecessary extras. Speak with a Texas insurance expert today.

What Is Commercial Insurance?

Commercial insurance (also called business insurance) is a portfolio of policies designed to protect your company from financial loss due to covered events, legal liabilities, and day-to-day business risks. It’s not one size fits all; it’s customized to your industry, operations, and exposure. 

Why it matters:
Without proper coverage, even a single claim, like a customer injury, data breach, or property fire, can lead to significant expenses and business disruption.

Core Commercial Insurance Policies 

General Liability Insurance

Protects your business from claims of bodily injury, property damage, or advertising injury that happen during normal business activities.

Commercial Property Insurance

Covers damage to your physical assets, buildings, equipment, and inventory due to fire, theft, vandalism, or other covered perils. 

Commercial Auto Insurance

Protects vehicles owned by your business, including liability for accidents, collision, comprehensive loss, and uninsured and underinsured motorist exposure. 

Workers’ Compensation

Covers employee injuries or illnesses on the job, including medical costs and lost wages, and helps your business comply with Texas requirements.

Business Interruption Insurance

Replaces lost income and covers ongoing expenses if a covered peril forces temporary closure or disrupts operations.

Professional Liability (E&O) Insurance

Protects professionals and service providers from claims of negligence, errors, or omissions in the work they perform. 

Cyber Liability Insurance

Safeguards your business from data breaches, cyberattacks, ransomware, and digital risks facing modern enterprises. 

Commercial Umbrella Insurance

Provides extra liability protection beyond the limits of General Liability policies for greater financial security.

Industry-Specific Commercial Insurance Solutions

We serve many industries across Texas with tailored solutions:

Retail & Hospitality

Protect against slip-and-fall claims, theft, employee injuries, and inventory loss.

Contractors & Trades

Custom coverage for general contractors, subcontractors, and skilled trades, including tools, equipment, inland marine, and liability.

Transportation & Logistics

Covers fleets, cargo, drivers, and commercial auto exposures with flexible limits.

Manufacturing & Wholesale

Protects operations, products, and property against liability, property damage, and employee exposure.

Professional Services

E&O and professional liability for accountants, consultants, tech firms, and service providers.

Why Choose Our Commercial Insurance Services

Customized, Not One-Size-Fits-All

We don’t sell boxed policies; we build solutions that match your business risks and goals. 

Multi-Carrier Comparison

We compare top insurance carriers to get you competitive pricing without sacrificing coverage. 

Local Texas Risk Expertise

We understand Texas industries, so you get practical, relevant protection.

Fast Support & Responsive Service

Our team guides you through quotes, explanations, and endorsements with clarity and professionalism.

Common Commercial Insurance Terms (Explained)

Premium: Your regular payment in exchange for coverage.
Policy Limits: The maximum amount an insurer will pay for a covered loss.
Deductible: Amount you pay before insurance kicks in.
Endorsement: Add-on coverage that enhances your base policy.