Commercial Business Insurance in Tomball, TX

A BOP is a smart starting point for many small to mid-sized businesses. It bundles the basics—general liability and commercial property insurance—into one convenient policy. You get solid protection at a better price than buying them separately.

Perfect for:

• Retail stores

• Restaurants

• Offices

• Service-based businesses

This covers your business if someone gets hurt on your property or if you’re held responsible for property damage or personal injury. It’s the go-to coverage for slip-and-fall claims, customer accidents, or even advertising mistakes.

Why it matters: Accidents happen—even if you're careful. Liability coverage helps cover legal costs, settlements, and medical expenses.

This protects your building, inventory, tools, furniture, and equipment against things like fire, theft, vandalism, and storm damage.

Whether you own or lease your space, this coverage helps get you back on your feet fast if disaster strikes.

If you have employees—even just one—Texas doesn’t require workers' comp by law, but many smart business owners still carry it.

It covers medical bills and lost wages if an employee gets hurt on the job, and it protects you from lawsuits related to workplace injuries.

Good to know: Some industries or contracts require proof of workers' comp before they’ll work with you.

Even small businesses can be targets for hackers. If you collect customer data, process payments online, or rely on digital systems to run your business, cyber insurance helps cover you in the event of a data breach or cyber attack.

If your business gives advice, consults, designs, or offers any type of professional service, E&O insurance protects you from claims of negligence or mistakes—even if you didn’t actually do anything wrong.

Not sure where to start? That’s what we’re here for. At TWFG Luarca Insurance, we make business insurance simple, local, and tailored to you. Give us a call or stop by our Tomball office—we’re ready when you are.

Term life insurance offers affordable coverage for a specified period, such as 10, 20, or 30 years. It provides straightforward protection and pays a death benefit if the insured passes away during the term. This option is ideal for young families or individuals looking to cover mortgages or other debts.