What Intellectual Property Insurance Requirements Apply in Texas?

Texas law allows a court to preserve the secrecy of information during a trade-secret case, including by protective order. Ask whether the insurer’s panel counsel can work under restricted access and support sealed filings.

What Is Intellectual Property Insurance?

Intellectual property insurance comes in two separate parts: defense, when you're accused of infringing a patent, trademark or copyright, and enforcement, when you pursue someone who copied yours. A defense-only quote doesn't pay for your own lawsuit, so ask for each part you need. Read the national Intellectual property guide.

What to Watch for With Intellectual Property in Texas

Match the State Rule to Your Coverage
Texas law allows a court to preserve the secrecy of information during a trade-secret case, including by protective order. Ask whether the insurer’s panel counsel can work under restricted access and support sealed filings. ³
Plan for the State Remedy
Texas provides for damages based on actual loss and unjust enrichment, with a reasonable royalty available when those measures are inadequate. Ask whether the policy addresses license-value claims and whether defense costs erode limits. ³
Check Customer Demand Exposure
Texas’s bad-faith patent-claim law applies to qualifying end users located or doing business in the state, including buyers of a product, service, or technology who are not reselling it. If your customers are contacted, ask whether your policy covers defense of the product claim and related response costs. ²

Which Intellectual Property Providers Have Texas License Records?

These providers publish a national listing for Intellectual property; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Texas. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Risklytics
Insurance producer · checked 2026-09-28
Risklytics, Inc.
Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map. ¹⁵
Risklytics arranges intellectual property insurance for robotics, hardware and AI businesses.

Who Regulates Insurance in Texas?

Texas Department of Insurance

TDI licenses agents and insurers, reviews company rate filings, and investigates complaints against insurance companies and people it regulates. Its complaint page states limits on what it can resolve, including disputes outside its regulatory authority. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Texas

Reported tax rate. 4.85% of gross premium plus 0.04% SLTX stamping fee ^7,^8,⁹

When Texas is the insured’s home state, the state tax is 4.85% of gross premium; absent a compact allocation agreement, a multistate policy can be taxed on its entire premium. Policies effective on or after Jan. 1, 2024 also carry a 0.04% stamping fee; SLTX invoices the broker and says the insured pays it, and the surplus-lines insurer is not covered by the Texas guaranty association.

Surplus Lines Stamping Office of Texas

Questions to Ask Before You Buy Intellectual Property in Texas

Will this policy cover a threatened trade-secret claim under Texas law before a lawsuit is filed?
Do defense costs reduce the limit available for a royalty settlement or damages?
What records should we preserve to establish when a suspected Texas misappropriation was discovered?

Intellectual Property Insurance in Texas: Frequently Asked Questions

What is the key Texas rule for a trade-secret claim?

How should I handle a suspected intellectual-property claim in Texas?

Notify the insurer promptly and preserve the first demand, access logs, agreements, and discovery date. Texas’s statutory trade-secret claim has a three-year discovery-based filing period and treats continuing misappropriation as a single claim. Preserve an incident timeline and ask how the policy groups later disclosures. The federal Defend Trade Secrets Act is a separate claim with its own filing period. ^3,¹

Sources for Intellectual Property Insurance in Texas

1
18 U.S.C. § 1836, Civil Proceedings. Office of the Law Revision Counsel, U.S. House of Representatives; § 1836(b)(1), (3): federal civil action, injunction, and damages for qualifying trade secret misappropriation. Accessed 2026-09-29.
2
Texas Business & Commerce Code, Subchapter L. Texas Legislature; §§ 17.951–.955: bad-faith patent claims against end users in Texas. Accessed 2026-09-29.
3
Texas Uniform Trade Secrets Act. Texas Legislature; §§ 134A.002–.008: definition, injunctions, damages, fees, and confidentiality. Accessed 2026-09-29.
4
texas insurance regulator. State insurance regulator; TDI regulator page outlines licensing, financial oversight, compliance/enforcement, and rate review. Accessed 2026-09-28.
5
How to Find a Licensed Insurance Agent or Adjuster. State insurance regulator; TDI says search by agent name or license number and links to the state license search. Accessed 2026-09-28.
6
Get Help with an Insurance Complaint. State insurance regulator; Direct complaint page explains covered entities, exclusions and online filing; Help Line 800-252-3439. Accessed 2026-09-28.
7
Texas Insurance Code §§225.002–225.004. Texas Legislature; §225.002 limits chapter to Texas-home-state insured; §225.004(a) 4.85%; (a-1) NRRA home-state limitation; (c) entire premium where Texas is home state and no compact agreement. Accessed 2026-09-28.
8
Stamping Fees & Taxes. Surplus Lines Stamping Office of Texas; Current policy-date table lists 0.04% for inception 1/1/2024 and after; stamping fee invoices go to brokers; site says fee is paid by insured. Accessed 2026-09-28.
9
Texas Surplus Lines Companies. Texas Department of Insurance; TDI says surplus-lines insurers are not licensed in Texas and its guaranty association member; eligibility/disclaimer and broker financial-responsibility details. Accessed 2026-09-28.
10
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
11
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
12
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
13
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
14
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
15
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
16
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
17
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Intellectual Property Insurance Requirements Apply in Texas?

What Is Intellectual Property Insurance?

What to Watch for With Intellectual Property in Texas

Match the State Rule to Your Coverage

Plan for the State Remedy

Check Customer Demand Exposure