Business Owner Policies
A convenient combination of common property and liability protections for eligible businesses.
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Business Protection
Commercial Insurance
Practical coverage for the risks that come with running a Texas business.
Coverage overview
Practical coverage for the risks that come with running a Texas business.
Echo compares options from multiple carriers to build a commercial insurance package around your property, vehicles, employees, and day-to-day operations.
Coverage options
Commercial Auto
Coverage for company-owned cars, vans, pickups, and other vehicles used for business.
Workers’ Compensation
Options that help protect employees and the business after a covered workplace injury.
Umbrella Coverage
Additional liability limits that sit above qualifying underlying commercial policies.
FAQ
Frequently Asked Questions
What insurance does a small business in Texas need?
Most businesses start with general liability and commercial property, often combined in a Business Owner’s Policy. Add commercial auto if the business owns vehicles, workers’ compensation if you have employees or a contract requires it, and an umbrella if you need higher limits. Leases, contracts, and licenses often set the exact requirements, so bring them when you ask for a quote.
What is a Business Owner’s Policy (BOP), and do I qualify?
A BOP packages general liability, commercial property, and usually business income coverage into one policy, often for less than buying them separately. It is designed for small and mid-sized businesses with lower-risk operations, such as offices, retail stores, and many service companies. Carriers set eligibility by industry, size, and revenue.
Do I need commercial auto if my employees drive their own cars for work?
An employee’s personal auto policy covers their own car, but your business can still be sued after an accident they cause while working for you. Hired and non-owned auto coverage protects the business in that situation, and it can be added to many commercial policies. If the business owns the vehicles, you need a commercial auto policy.
How much does commercial insurance cost?
Price depends on your industry, revenue, payroll, number of employees and vehicles, location, claims history, and the limits you choose. A low-risk office costs far less than a roofing contractor. The fastest way to know is to request a quote so we can compare several carriers for your business.