For business owners
Business insurance for Texas small businesses
General liability, commercial property, workers’ compensation and more. Start an instant small-business quote online, or talk with us about coverage for your company.
Coverage for small businesses
Every business is different, so we start by understanding what you do, then build coverage around the risks you actually face.
General liability
Helps protect your business from claims of bodily injury or property damage to others, such as a customer slipping in your shop. Many landlords and clients require proof of general liability before they will work with you.
Business owner’s policy (BOP)
Combines general liability and commercial property in one package, often at a better price than buying them separately. It is a common starting point for small offices, retail shops and service businesses.
Workers’ compensation
Helps cover medical costs and lost wages for employees injured on the job. Texas is unusual in that most private employers are not required to carry it, but employers who opt out lose certain legal protections, so it is an important decision to make deliberately.
Professional liability (E&O)
Protects against claims that your advice or services caused a client financial harm. Consultants, real estate professionals, designers and other service firms often need it.
Cyber liability
Helps with costs after a data breach or cyberattack, such as notification, recovery and certain liability claims. Any business that stores customer information or takes payments online should consider it.
Employment practices liability (EPLI)
Helps protect against claims from employees such as wrongful termination, discrimination or harassment, which can be costly to defend even when unfounded.
How we help business owners
Jeff and Ketti have been small business owners themselves, and the agency was built around giving smaller clients the attention larger accounts usually get. We will ask about your operations, contracts and growth plans so your coverage matches how your business really runs, and we will explain certificates of insurance and additional-insured requirements when clients or landlords ask for them.
For many small businesses, an instant online quote is a fast way to get started. If your business has employees, vehicles, specialized equipment or contract requirements, we will work with the commercial carriers we represent to find the right fit.
Get a business insurance quote
Start an instant small-business quote through Coterie, or submit your business information and we will follow up.
Related coverage and guides
Personal umbrella
Liability protection for your household.
Landlord insurance
For owners of rental property.
Resources
Guides for Texas households.
Why work with Prout Insurance Agency
Choice, not a single company
As an independent agency we are appointed with multiple insurance companies. That lets us compare coverage and price side by side instead of fitting you into one company’s products, and re-shop your policy if a renewal stops making sense.
Plain-English advice
We explain deductibles, exclusions and optional coverages before you buy, so there are fewer surprises later. You get a recommendation and the reasons behind it, and the final choice is always yours.
An agent who stays with you
When you add a driver, buy a new home or need help with a claim, you call the same Austin-based agency that set up your policy. We serve clients across Texas by phone, email and video.
“From the moment Stephanie Dawn Early with PROUT INSURANCE, returned my call, I knew I was in good hands. Prompt, friendly and very helpful, Ms. Early handled all my concerns with confidence. I would definitely refer her to anyone with insurance needs.”
5.0 from 55 Google reviews (checked Oct 15, 2026) · read them on Google →
This page is general information, not a policy or a promise of coverage. Coverage, limits, exclusions and availability vary by carrier, policy and location; your policy documents govern.
Ready to compare your options?
Tell us what you need to cover. An agent will shop it and walk you through the results.
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