Texas Commercial Insurance
Commercial Insurance for Texas Businesses
Josh Hass Insurance now writes commercial insurance in Texas. I’m an independent agent — I shop multiple carriers, compare real quotes, and build coverage that matches how you actually run the business. No captive lineup, no one-size-fits-all pitch.
Serving businesses and ranch operations across North Texas and the surrounding region.
Which type of commercial insurance would you like to quote?
Business Auto
Work trucks, fleets, dealer plates, and owner-operator vehicles. Liability, physical damage, and hired/non-owned auto for Texas businesses.
General Liability
Third-party bodily injury and property damage, products and completed operations, personal and advertising injury. Contractors, retailers, service businesses, and small operations.
Coverage for Equipment
Inland marine and scheduled-equipment coverage for tools, machinery, trailers, and mobile equipment that moves job-to-job. Coverage that isn’t tied to one location.
Ranch Insurance
Ranches, equestrian properties, barns, outbuildings, livestock, equipment, and liability — specifically for Texas ranch operations. Serving Gainesville, Whitesboro, and North Texas.
Why Work With an Independent Agent
Captive agencies quote one company. Independent agents quote many. For commercial policies, that difference matters — every carrier has its own appetite for industry, fleet size, revenue range, and claim history. Getting in front of the right carrier the first time usually means better coverage at a better rate.
Coverage Lines – Simple Explanations
Workers’ Compensation (Work Comp)
Protects your employees if they’re injured or become ill because of their job by helping cover medical bills, lost wages, and recovery costs.
General Liability (GL)
Protects your business when you cause bodily injury, property damage, or certain advertising-related claims to others. Think slips, trips, accidental damage, or legal defense costs.
Without it, one accident or lawsuit can quickly become a business-changing expense.
Professional Liability (PL)
Protects against claims that your advice, services, errors, or omissions caused financial harm to someone else. Especially important for professionals, consultants, and service-based businesses.
Without it, even doing your job well may not protect you from expensive allegations and legal costs.
Surety Bonds (Bonds)
A bond isn’t insurance for you—it’s a financial guarantee to others that you’ll fulfill obligations, follow laws, or complete work as promised.
If something goes wrong, the bond can pay the damaged party and seek repayment from you. Without required bonds, you may lose contracts, licenses, or opportunities.
Farm & Ranch Insurance
Protects the place where life and business overlap—homes, barns, equipment, livestock, liability, and daily operations.
It can also protect you if visitors are injured on your property or if a weekend hand, helper, or casual labor situation creates unexpected liability exposure. Without proper coverage, one accident, storm, or claim can put both your livelihood and your legacy at risk.
Frequently Asked Questions
Is workers’ compensation insurance required in Texas?
Texas is unusual — most private employers aren’t required to carry workers’ compensation. But going without it (becoming a “non-subscriber”) forfeits key legal protections and exposes the business to injury lawsuits. We’ll walk you through the trade-offs for your operation.
What’s the difference between general liability and professional liability?
General liability covers bodily injury, property damage, and certain advertising claims you cause others — slips, trips, and accidental damage. Professional liability covers financial harm from your advice, services, errors, or omissions. Many businesses need both.
Is a surety bond the same as insurance?
No. A bond is a financial guarantee to others that you’ll meet an obligation or complete work as promised. If something goes wrong, the bond pays the harmed party and then seeks repayment from you. Insurance protects you; a bond protects the people you do business with.
Why use an independent agent for commercial insurance?
Independent agents represent multiple carriers instead of one. Each carrier has its own appetite for industry, size, and claims history, so matching you to the right one usually means better coverage at a better rate.
What kinds of businesses does Josh Hass Insurance cover in Texas?
Contractors, retailers, service businesses, owner-operators, ranches, and more across North Texas and the surrounding region. Lines include business auto, general liability, professional liability, workers’ compensation, surety bonds, and commercial property and equipment.
