Small Business Insurance Lease & License Ready

Frisco & Texas 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 medical practices 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. Headquartered in Frisco, serving small businesses across Texas.

$50K+ avg. cost of a GL claim for small businesses

Same-Day COI delivery once your policy is bound

5.0★ Google rated by Texas business owners we insure

I need coverage for:

Featured Specialty · Now Serving Frisco Station Medical & Dental Practices Malpractice, BOP, cyber for patient data, and same-day COIs — for med spas, dental, surgical centers, imaging, OB-GYN & behavioral health.

My Small Business GL, BOP, E&O, Workers’ Comp, Commercial Auto

Contractor & High-Risk Trades Electrical, solar, high-voltage, industrial & specialty

or call us directly: (972) 696-9995

      EXCELLENT  
   Based on 128 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Judy Verduzco 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mayra was very helpful, patient and made getting my insurance easy and stress free. Would definitely recommend her!
  
 
      Posted on Google  
   
   david weaver 
 
 
 
 Trustindex verifies that the original source of the review is Google. Myra and her team are both friendly and thorough!! Highly recommend.
  
 
      Posted on Google  
   
   Tyler Fisher 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mayra was super helpful, and got me exactly what I needed for a great rate. Very quick turnaround as well, definitely recommend!
  
 
      Posted on Google  
   
   David Villatoro 
 
 
 
 Trustindex verifies that the original source of the review is Google. George and the entire staff do a great job!
  
 
      Posted on Google  
   
   Snayan Kumar 
 
 
 
 Trustindex verifies that the original source of the review is Google. Agent explained clearly about the policy and helped me get the best insurance ! Great work
  
 
      Posted on Google  
   
   German_toast /: 
 
 
 
 Trustindex verifies that the original source of the review is Google. Easy process getting everything set up, fair price, friendly agents!
  
 
      Posted on Google  
   
   Jackie Torres 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mayra is amazing! She explained my policy so well and was fast, efficient, and incredibly patient. Thank you for making the process so easy!
  
 
      Posted on Google  
   
   Stephen Jeffries 
 
 
 
 Trustindex verifies that the original source of the review is Google. George is very personable, patient and professional agent who will take the time to find out what you need and help you craft a program that will be economical while allowing you to sleep at night. Responsive and diligent.
  
 
      Posted on Google  
   
   Marcos Lopez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Best insurance in the metroplex, the prices are affordable and Mayra is an excellent agent who goes above to find the best deals. I highly recommend The Agent’s Office.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

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.

Frisco, Texas small business owners — salon, restaurant, retail and trades — insured by The Agent's Office

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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.

Medical malpractice programs →

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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? →

Modern independent medical practice near the Frisco Station Health and Wellness District insured by The Agent's Office

Featured Program

Insurance Built for Medical & Dental Practices

We concentrate where independent medicine is growing — the Frisco Station Health & Wellness District and beyond. From malpractice and professional liability to a business owners policy, cyber coverage for patient data, and same-day certificates of insurance for your lease and credentialing, we structure the whole program around the practice, not just a single policy.

Explore Medical Practice Programs

Med Spa Dental Dermatology Surgery Centers Imaging OB-GYN Behavioral Health

Your Neighbors. Your Agents.

“We started The Agent’s Office because too many Texas 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.”

George & 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.

Do you insure medical and dental practices?

Yes — medical and dental practices are one of our featured specialties. We build malpractice and professional liability, business owners policies, cyber coverage for patient data, and fast certificates of insurance for medical office leases and credentialing — across med spas, dental, dermatology, surgery centers, imaging, OB-GYN, and behavioral health. Explore our medical practice insurance programs.

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.

Medical Practice Programs

Coverage Fundamentals

Industry-Specific Coverage

High-Risk & Specialty Trades

Risk Management & Protection

Cyber & Specialty Coverage

Where We Serve

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.

Coverage We Build For Texas Businesses

Insurance Built for Medical & Dental Practices

Your Neighbors. Your Agents.

Business Insurance FAQs

Business Insurance Resources & Guides

Build Your Career with The Agent's Office®