---
title: "Business Insurance in Texas"
description: "34 state-specific insurance coverage guides, plus Texas Department of Insurance contact and license lookup resources for Texas."
canonical: "https://spot.insure/coverage/states/texas"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
---

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[Human-readable page](https://spot.insure/coverage/states/texas)

# Business Insurance in Texas

## Insurance Regulator

**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.[^1][^2][^3]

- [Regulator website](https://www.tdi.texas.gov/)
- [License lookup](https://www.tdi.texas.gov/agent/agent-lookup.html)
- [File a complaint](https://www.tdi.texas.gov/consumer/complaint-home.html)

## Surplus-Lines Tax and Stamping Office

**Reported tax rate:** 4.85% of gross premium plus 0.04% SLTX stamping fee 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.[^4][^5][^6]
[Surplus Lines Stamping Office of Texas](https://www.sltx.org/)

## Coverage Guides

- [General Liability Insurance in Texas](/coverage/general-liability/texas): Texas construction contracts can restrict both indemnity and additional-insured coverage, while Chapter 33 generally limits a defendant’s joint liability unless its assigned responsibility exceeds 50%.
- [Directors and Officers (D&O) Insurance in Texas](/coverage/directors-officers/texas): See how Texas's corporate indemnification and insurance statutes affect the D&O policy questions you should ask.
- [Technology E&O Insurance in Texas](/coverage/technology-errors-omissions/texas): A suit for debt or fraud must be filed within four years, and exemplary damages use the greater of two formulas unless a listed felony is the basis.
- [Cyber Liability Insurance in Texas](/coverage/cyber/texas): Texas requires consumer notice within 60 days after determination and an electronic AG report within 30 days for breaches affecting 250 or more residents.
- [Media Liability Coverage in Texas](/coverage/media/texas): Texas gives one year for libel and slander. A party sued over covered speech, petition, or association may file a TCPA motion to dismiss within 60 days after service, with discovery generally suspended once the motion is filed.
- [Employment Practices Liability in Texas](/coverage/employment-practices/texas): Texas gives most employment-discrimination complaints 180 days, but sexual-harassment complaints have a 300-day deadline; TWC serves the perfected complaint on the employer.
- [Fiduciary Liability Insurance in Texas](/coverage/fiduciary/texas): Review Texas retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [Texas Hired and Non-Owned Auto Coverage](/coverage/hired-non-owned-auto/texas): Texas separately defines owner policies for permitted vehicle users and operator policies for non-owned vehicles.
- [Professional Liability (E&O) Insurance in Texas](/coverage/professional-errors-omissions/texas): Compare Texas real-estate inspector professional-liability proof with the bond or security alternatives and TREC notice rules.
- [Workers’ Compensation Insurance in Texas](/coverage/workers-compensation/texas): Learn when Texas businesses must secure workers’ compensation, which exceptions apply, and what coverage route to discuss with a broker.
- [Texas Business Owner’s Policy Guide](/coverage/business-owners-policy/texas): Compare Texas BOP property forms, valuation, income triggers and the separate protection needed for flood losses.
- [Texas Umbrella and Excess Liability Guide](/coverage/umbrella-excess/texas): Financial responsibility is $30,000, $60,000, and $25,000, with small deductibles allowed, and exemplary damages use a greater-of formula that can reach $750,000 of noneconomic damages.
- [Texas medical malpractice insurance guide](/coverage/medical-malpractice/texas): Texas hospital-privilege requirements, provider-versus-institution damages limits and expert-report deadlines affect medical malpractice insurance decisions.
- [Representations and Warranties Insurance in Texas](/coverage/representations-warranties/texas): Check Texas contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.
- [Kidnap and Ransom Insurance in Texas](/coverage/kidnap-ransom/texas): See how Texas's surplus-lines tax and insurer insolvency rules can affect a K&R quote.
- [Texas Crime Insurance Guide](/coverage/crime/texas): How Texas funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage.
- [Commercial Auto Insurance in Texas](/coverage/commercial-auto/texas): Texas requires intrastate motor carriers to keep an active TxDMV insurance filing; limits depend on carrier class, weight, passenger capacity, or hazardous material.
- [Cargo insurance for Texas shipments](/coverage/cargo-transit/texas): Texas requires intrastate motor-carrier registration and active insurance filings, but its cargo filing applies specifically to household-goods carriers.
- [Liquor Liability in Texas](/coverage/liquor-liability/texas): Texas dram-shop claims require obvious intoxication that presents a clear danger and proximate cause, with a separate rule for adults who provide alcohol to minors under 18.
- [Key Person Insurance in Texas](/coverage/key-person/texas): Check Texas rules for naming a business beneficiary, documenting a genuinely key employee, and having the insured designate an entity.
- [Commercial Property Insurance in Texas](/coverage/commercial-property/texas): Check whether coastal Texas property qualifies for TWIA wind and hail coverage, code certification, and separate flood and all-perils protection.
- [Texas garage liability for motor vehicle dealers](/coverage/garage-liability/texas): See how Texas limits dealer plates by vehicle type and records each plate assignment.
- [Texas Public Construction Bonds](/coverage/surety-bonds/texas): Check Texas public-work bond triggers, required amounts, acceptable security, and claim protections before you bid.
- [Builders Risk Insurance in Texas](/coverage/builders-risk/texas): Texas buyers should distinguish the construction-property quote from the separate coastal windstorm inspection path that can affect later TWIA eligibility.
- [Equipment Breakdown Insurance in Texas](/coverage/equipment-breakdown/texas): Texas registers boilers, not ordinary pressure vessels, and sets certificate inspections from one year to three years by boiler class.
- [Texas Management Liability Insurance](/coverage/management-liability/texas): Compare Texas employment-law exposure and company indemnification duties with D&O and EPL policy terms.
- [Texas Fidelity Bonds for Credit Unions](/coverage/fidelity-bonds/texas): Learn which Texas businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.
- [Intellectual Property Insurance in Texas](/coverage/intellectual-property/texas): Learn how Texas law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.
- [Contract Frustration Insurance in Texas](/coverage/contract-frustration/texas): How Texas export services and insurance-placement rules shape a contract-frustration policy.
- [Venture Capital Asset Protection Insurance in Texas](/coverage/venture-capital-asset-protection/texas): Check how Texas adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital asset business insurance in Texas](/coverage/digital-assets/texas): Review Texas's digital-asset licensing and custody rules before comparing cover for exchanges, custodians, wallets, or kiosks.
- [Telehealth Insurance in Texas](/coverage/virtual-care-telehealth/texas): Texas requires a valid physician-patient relationship before telemedicine medical services, with the same standard of care and professional discipline rules as in-person practice. Check how the rule affects remote care and reimbursement in Texas.
- [Employee Health Benefits in Texas](/coverage/employee-health-benefits/texas): Texas insured group policies generally require continuation after at least three consecutive months of prior coverage, subject to exceptions including involuntary termination 
- [Trucking Insurance in Texas](/coverage/trucking/texas): Check Texas intrastate filing triggers, weight and hazmat limit tiers, and household-goods cargo proof in TxMCCS.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [texas insurance regulator](https://www.tdi.texas.gov/) — State insurance regulator; TDI regulator page outlines licensing, financial oversight, compliance/enforcement, and rate review.. Accessed 2026-09-28.
[^2]: [How to Find a Licensed Insurance Agent or Adjuster](https://www.tdi.texas.gov/agent/agent-lookup.html) — State insurance regulator; TDI says search by agent name or license number and links to the state license search.. Accessed 2026-09-28.
[^3]: [Get Help with an Insurance Complaint](https://www.tdi.texas.gov/consumer/complaint-home.html) — State insurance regulator; Direct complaint page explains covered entities, exclusions and online filing; Help Line 800-252-3439.. Accessed 2026-09-28.
[^4]: [Texas Insurance Code §§225.002–225.004](https://statutes.capitol.texas.gov/Docs/IN/pdf/IN.225.pdf) — 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.
[^5]: [Stamping Fees & Taxes](https://www.sltx.org/brokers/billing-information/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.
[^6]: [Texas Surplus Lines Companies](https://www.tdi.texas.gov/insurer/surpluslines.html) — 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.
[^7]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
[^8]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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.
[^9]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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.
[^10]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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.
[^11]: [Licenses](https://www.nextinsurance.com/insurance-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.
[^12]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
[^13]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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.
[^14]: [Licenses](https://www.vouch.us/legal/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.

Updated 2026-09-28.

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