Business Insurance Tomball, TX
Reliable Protection When You Need It Most

Most Texas businesses start with general liability and commercial property insurance or a Business Owner’s Policy (BOP). Depending on your operations, you may also need workers’ compensation, commercial auto, professional liability (E&O), cyber liability, or a commercial umbrella policy. At TWFG Luarca Insurance in Tomball, we’ll help you tailor coverage to your industry and risk level.

Texas does not require most private employers to carry workers’ compensation insurance. However, many business owners choose it to protect employees and limit liability in case of an on-the-job injury. Certain contracts, government projects, and industries may require it as part of doing business.

General liability covers bodily injury, property damage, and advertising injury caused by your business operations. It’s essential protection for customer-facing businesses or those that work on clients’ property.

A BOP combines general liability and commercial property insurance into a single, affordable policy. It’s ideal for small and medium-sized businesses like shops, restaurants, offices, and service providers across Tomball and the surrounding areas.

Rates vary based on your industry, number of employees, claims history, vehicles, and coverage limits. On average, small businesses spend between $50 and $200 per month for general liability insurance. We compare rates from multiple carriers to find affordable coverage for your needs.

Usually not. Most homeowners policies exclude business activities and equipment. If you run a business from your home, we recommend adding a home business endorsement or purchasing a separate business policy to protect your inventory, tools, and liability exposure.

Personal auto policies don’t cover business-related driving. If you or your employees use vehicles for work — deliveries, service calls, or client visits — you’ll need commercial auto insurance for liability, collision, and property damage protection.

If your business stores customer data, processes credit cards, or relies on computer systems, yes. Cyber liability insurance covers data breaches, hacking, ransomware attacks, and the costs of notifying affected customers and restoring systems.

Most property policies include wind and hail coverage but exclude flooding. Since Tomball and the greater Houston area are prone to heavy rain, it’s wise to add a separate flood insurance policy to protect your building and contents.

A commercial umbrella policy provides additional liability protection beyond your existing coverage limits. It’s an affordable way to shield your business from large lawsuits or catastrophic losses.

Contact our office right away. We’ll help you gather the necessary documents, report the claim to your carrier, and guide you through every step of the process until it’s resolved.

Absolutely. We’re an independent insurance agency, which means we’re not tied to one carrier. We’ll compare quotes from multiple top-rated companies to find the right coverage and price for your business — without the pressure.