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Business Insurance in Texas

Protect Your Business, Property, Vehicles and Future
 

Running a business means taking risks every day.
 

Insurance helps protect the business you have worked hard to build when unexpected losses happen.
 

At Next Move Insurance, we help Texas business owners explore commercial insurance
options based on their industry, property, vehicles, employees and individual risks.
 

Whether you are starting a new business, expanding your operation, purchasing commercial property or
reviewing your current insurance, our team can help you understand your options.

Business Insurance Is Not One-Size-Fits-All

A construction company does not have the same insurance needs as a restaurant.

 

A landlord does not have the same risks as a retail store.
 

And a business with multiple vehicles has different exposures than someone working from a home office.
 

That is why we start by understanding:
 

  • What your business does

  • Where you operate

  • Whether you own or lease your location

  • What property and equipment you own

  • Whether you use vehicles for business

  • Whether you have employees

  • What type of clients you serve

  • What risks could interrupt your operation
     

Then we can explore the insurance options available for your business.

Business Insurance Options

Business Owner’s Policy — BOP


 
A Business Owner’s Policy can combine several important business coverages into one policy for eligible businesses.
 
Depending on the policy, this may include:

Commercial property




General liability




Business income or interruption coverage




Other available protections



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Commercial General Liability

General liability insurance can help protect a business from certain claims involving:
 

  • Bodily injury

  • Property damage

  • Personal or advertising injury

  • Other covered liability situations

The appropriate limits depend on your business and its exposures.

Commercial Property Insurance

If your business owns or uses buildings, equipment, furniture, inventory or other property, commercial property insurance can help protect those assets from covered losses.

​

Texas commercial property policies can differ substantially between insurers, so understanding the actual coverage is important.

Commercial Auto Insurance

If you or your employees drive for business purposes, personal auto insurance may not provide the coverage your business needs.

We help with commercial auto insurance for:

  • Contractors

  • Construction businesses

  • Landscapers

  • Electricians

  • Plumbers

  • Delivery businesses

  • Service companies

  • Real estate businesses

  • Other commercial vehicle users

Builder’s Risk Insurance

Building a new home or commercial property?

Renovating an existing structure?

Builder’s risk insurance is designed to protect certain property while construction, renovation or installation is taking place.

​

Business Interruption Coverage

What happens if a covered loss damages your property and your business cannot operate normally?

Business interruption insurance may help with qualifying lost income and certain expenses when operations are interrupted because of covered physical damage.

Coverage varies by policy.

Who We Help

Next Move Insurance can help many types of Texas businesses, including:

  • Contractors

  • Construction companies

  • Real estate businesses

  • Property investors

  • Landlords

  • Retail businesses

  • Restaurants

  • Offices

  • Service companies

  • Landscapers

  • Electricians

  • Plumbers

  • Delivery businesses

  • Small businesses

  • Growing companies

If you do not see your industry listed, contact us.

We can determine what commercial insurance options may be available.

Do You Own the Building Where Your Business Operates?

Commercial property owners may need coverage for:

  • Building

  • Business personal property

  • Equipment

  • Inventory

  • Signs

  • Other structures

  • Business income

  • Additional expenses after a covered loss

If you lease the building, you may still need insurance for your business property and liability exposures.

Starting a New Business?

Insurance should be part of your startup planning.

Before signing contracts, buying equipment or hiring employees, think about:

  • General liability

  • Commercial property

  • Commercial auto

  • Workers’ compensation considerations

  • Professional liability

  • Builder’s risk

  • Business interruption

  • Umbrella or excess liability

  • Other industry-specific exposures

We can help you identify the insurance questions worth addressing.

Why Work With Next Move Insurance?

Multiple Insurance Markets

As an independent agency, we can explore commercial insurance options from more than one market.

Personal Service

You work with a local team rather than simply calling a national call center.

Business and Real Estate Knowledge

We understand commercial property, contractors, investors and real estate transactions.

English & Spanish

We provide service in both languages.

Hablamos Español.

Business Insurance FAQ

What type of insurance does my business need?

It depends on the type of business, property, vehicles, employees and exposures involved. We can help review your situation and discuss available options.

Does every business need general liability insurance?

Not every business has identical requirements, but liability protection is an important consideration for many businesses.

Does homeowners insurance cover my home-based business?

Homeowners policies may provide very limited or no coverage for many business exposures. If you operate from home, tell us what your business does so we can review the appropriate options.

Do you offer commercial auto?

Yes.

Do you insure contractors?

Yes. We can explore insurance for contractors and other service businesses.

Do you offer Builder’s Risk?

Yes. We can help with qualifying construction and renovation projects.

Do you speak Spanish?

Yes.

Protect the Business You’re Building

Whether you operate one vehicle, own commercial property, manage a growing company or are beginning a new venture, Next Move Insurance is here to help.

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