Business Insurance From a Local, Independent Advisor
From retail shops on the Denton Square to contractors, salons, pet groomers, restaurants and professional offices across North Texas, every small business faces risks that personal policies won't cover. Trailmark Insurance Advisors compares business insurance from multiple carriers to build a plan that fits your operation.
We take time to understand how your business actually works, including your location, equipment, vehicles, employees and contracts, so you're not paying for coverage you don't need or missing coverage you do.
What Business Insurance Covers
General liability
Protects against customer injuries, property damage and advertising claims.
Business owner's policy (BOP)
Combines general liability and property coverage, often at a lower cost than buying them separately.
Commercial property
Covers your building, equipment, inventory and furniture.
Commercial auto
Insures vehicles your business owns or uses.
Workers' compensation
Covers medical care and lost wages for employees injured on the job.
Professional liability (E&O)
Protects service businesses against claims of mistakes or negligence.
Cyber liability
Helps respond to data breaches and cyberattacks.
Tools and equipment (inland marine)
Protects contractors' tools and equipment on the job site.
Commercial umbrella
Adds extra liability limits above your other business policies.
Business Insurance in Texas
Texas is the only state where most private employers can choose whether to carry workers' compensation insurance. Employers who opt out, known as nonsubscribers, give up important legal protections, so it's a decision worth discussing carefully.
Many commercial leases and client contracts also require specific liability limits and certificates of insurance. We'll help you meet those requirements quickly.
Businesses We Commonly Help
- Retail stores and boutiques
- Contractors and skilled trades
- Salons, spas and pet groomers
- Restaurants and food service
- Professional and medical offices
- Home-based businesses
Business Insurance FAQs
What insurance does a small business need in Texas?
Most small businesses start with general liability and property coverage, often combined in a business owner's policy (BOP). Depending on your business, you may also need commercial auto, workers' compensation, professional liability or cyber coverage.
Is workers' compensation required in Texas?
For most private employers, no. Texas lets employers choose. However, employers without coverage lose certain legal protections, and some contracts and government projects require it. We'll help you weigh the decision.
Can you provide a certificate of insurance quickly?
Yes. Once your policy is in place, we can help you get certificates of insurance for landlords, clients and general contractors.
