Commercial Insurance Built for Texas
Texas is the second-largest insurance market in America, spanning energy, construction, logistics, technology, healthcare, and manufacturing across Houston, Dallas–Fort Worth, Austin, and San Antonio. Hail, hurricane, and a fast-moving legal environment make Texas programs both high-stakes and highly competitive.
Cory Washington & Co. LLC is licensed in Texas and places coverage for businesses across the state — from general liability and commercial property to specialty lines most generalist agencies never touch. We work as advisors first: strategy and risk analysis before placement, then negotiation across carriers that actually compete for Texas business.
Workers' Compensation in Texas
Texas is the only state where workers' compensation is optional for most private employers — but non-subscribers lose key legal defenses and face unlimited injury liability, so most substantial businesses elect coverage or a structured alternative.
Beyond the legal requirement, how a workers' compensation program is structured — classifications, experience mod management, payroll audits — directly drives what you pay. We review all of it before quoting. Requirements change; confirm current rules with the Texas Department of Insurance.
Industries We Serve in Texas
Contractor Business Insurance
Contractor business insurance protects construction companies and trades from job site injuries, property damage, equipment loss, and…
Trucking Company Insurance
Trucking company insurance protects motor carriers, owner operators, and fleets from liability claims, cargo loss, physical damage, and…
Technology Company Insurance
Technology company insurance protects IT firms, software developers, and tech providers from cyber attacks, professional liability claims,…
Restaurant Business Insurance
Restaurant business insurance protects bars, cafes, and food service businesses from liability claims, liquor exposure, equipment…
Manufacturing Business Insurance
Manufacturing business insurance protects against product liability, equipment damage, worker injuries, and business interruption risks…
Real Estate Business Insurance
Real estate business insurance protects investors, property managers, and developers from liability, property damage, tenant claims, and…
Don't see your industry? We serve 70+ business types — browse all industries.
Coverage Available in Texas
- General Liability Insurance
- Workers Compensation Insurance
- Commercial Property Insurance
- Commercial Auto Insurance
- Professional Liability Insurance
- Cyber Insurance
- Business Owners Policy
- Umbrella or Excess Liability Insurance
- Directors and Officers Insurance
- Employment Practices Liability Insurance
Frequently Asked Questions
Is workers' compensation insurance required in Texas?
Texas is the only state where workers' compensation is optional for most private employers — but non-subscribers lose key legal defenses and face unlimited injury liability, so most substantial businesses elect coverage or a structured alternative.
Are you licensed to write business insurance in Texas?
Yes. Cory Washington & Co. LLC (NPN 21674625) is licensed in all 50 states, including Texas, and every placement is handled directly by our brokerage team.
How much does business insurance cost in Texas?
Premiums in Texas depend on your industry, payroll, revenue, claims history, and the lines you carry — there is no flat rate. The fastest way to an accurate number is a short conversation about your operations; we then negotiate terms across multiple carriers and present options with the trade-offs explained.