Small Business Insurance Lease & License Ready

Frisco Small Business Insurance Protect Your Practice. Secure Your Shop. Keep Your Fleet Moving.

An uninsured slip-and-fall claim can cost more than your annual lease. From dental offices to delivery fleets, we shop 75+ carriers to find the coverage that satisfies your landlord, state board, or vendor contracts — at a rate that doesn’t punish you for being small.

$50K+ avg. cost of a GL claim for small businesses
Same-Day COI delivery once your policy is bound
$0 agency fees — we earn carrier commission, not yours

I need coverage for:

My Small Business GL, BOP, E&O, Workers’ Comp, Commercial Auto
Contractor & Trades Electrical, solar, plumbing, high-risk specialty

or call us directly: (972) 696-9995

Coverage We Build For Texas Businesses

Not sure what you need? Select “I’m not sure” in your quote request and we’ll recommend the right mix based on your industry, lease requirements, and risk exposure.

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General Liability (GL)

The foundation of every business policy. Covers third-party injury, property damage, and advertising claims.

What’s required? →
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Business Owners Policy (BOP)

Bundles GL + Property for offices, clinics, and retail. Usually cheaper than buying them separately.

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Commercial Auto & Trucking

For company vehicles, delivery vans, food trucks, and freight haulers. Includes liability and cargo options.

Trucking costs →
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Workers’ Compensation

Protects employees injured on the job. Not legally required in Texas — but going without it can cost you far more.

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Professional Liability (E&O)

Protects your license. Covers negligence, errors, and omissions for doctors, lawyers, consultants, and designers.

Consultants coverage →
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Cyber Liability

Covers data breaches, ransomware, and social engineering fraud. Critical for businesses handling any customer data.

Cyber quote →
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EPLI

Employment Practices Liability — protects against discrimination, wrongful termination, and harassment claims from employees.

EPLI guide →
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Commercial Umbrella

Higher liability limits that kick in when your primary policies max out. Essential for protecting business assets from major lawsuits.

Why umbrella? →

Your Neighbors. Your Agents.

“We started The Agent’s Office because too many Frisco businesses were overpaying for coverage they didn’t understand — or worse, operating without the coverage they actually needed. Whether you’re signing your first lease or hiring your 50th employee, we make sure your insurance grows with you. No hidden fees. No carrier loyalty games. Just the best policy for your business.”

N&M
Nnamdi & Mayra Azide Co-Founders, The Agent’s Office®

Business Insurance FAQs

How much does General Liability insurance cost in Texas?
For many small businesses in Texas, General Liability ranges from $400 to $800 per year depending on your industry, revenue, and claims history. High-risk trades like roofing or electrical work will be higher. We shop multiple carriers to find the best rate for your specific risk profile. See our guide on which policies Texas businesses are required to carry.
How fast can I get a Certificate of Insurance (COI)?
Once your policy is bound, we can typically issue certificates within hours — often same-day. If you have an urgent lease signing or contract deadline, note it in your quote request and we’ll prioritize turnaround. COIs can be sent directly to your landlord, vendor, or general contractor.
What’s the difference between GL and a Business Owners Policy (BOP)?
General Liability covers third-party bodily injury and property damage claims. A Business Owners Policy (BOP) bundles General Liability with Commercial Property coverage into a single, cost-effective package. For businesses with a physical location — an office, clinic, salon, or retail space — a BOP is usually cheaper than buying the policies separately.
Does my business need Workers’ Comp in Texas?
Texas is one of the few states where Workers’ Comp is not required by law for most private employers. However, many contracts, landlords, and government projects require it. Going without Workers’ Comp also means employees can sue you directly for workplace injuries — which can be far more expensive than the premium. Read more about risk management strategies for Texas employers.
Is Professional Liability (E&O) different from General Liability?
Yes. General Liability covers physical incidents — someone slips in your office or you damage a client’s property. Professional Liability (E&O) covers financial harm from your professional advice or services — a misdiagnosis, a legal error, a flawed design. If you provide advice, treatment, or specialized services, you likely need both. Learn about E&O requirements for Texas lawyers or coverage for Frisco consultants.
Do I need every type of coverage listed on this page?
No. The right mix depends on your industry, size, and risk exposure. A solo consultant primarily needs Professional Liability. A restaurant needs GL, Property, Workers’ Comp, and possibly Liquor Liability. A trucking company needs Commercial Auto and Cargo. We help you prioritize what’s required versus what’s recommended — so you’re protected without overpaying for coverage you don’t need.

Business Insurance Resources & Guides

Deep dives from our team to help you understand your business risk — before a claim forces the lesson.

Coverage Fundamentals
Industry-Specific Coverage
Risk Management & Protection
Cyber & Specialty Coverage
Privacy Note: Your business data is secure. We use this information solely to generate quotes and never sell your data to lead generation lists.

Disclaimer:
Your privacy is our priority. The information you provide is protected and will only be used to generate your insurance quote. Please note that requesting a quote does not guarantee coverage. All insurance coverage is subject to underwriting approval, policy terms, conditions, and exclusions.

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