Commercial Insurance in Texas

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Protecting Your Business, Securing Your Future

Owning a business in Texas comes with opportunities — and risks. From unexpected lawsuits to property damage and employee injuries, a single claim could put your livelihood at risk. That’s why the right commercial insurance isn’t optional — it’s essential.


At DFG Insurance Solutions, we build tailored coverage for Texas contractors, towing companies, and small to mid-sized businesses. With our independent access to top carriers, you’ll get protection that fits your operations, your contracts, and your future.

What Commercial Insurance Covers

General Liability

Covers third-party claims for bodily injury, property damage, and advertising injury. Essential for contracts, landlords, and protecting against lawsuits.

Commercial Property

Protects buildings, equipment, inventory, and tools from risks like fire, theft, vandalism, and Texas weather events.

Workers’ Compensation

Pays medical expenses, lost wages, and legal costs when employees are injured on the job — even though Texas doesn’t mandate it for most employers.

Commercial Auto

Provides liability, collision, and comprehensive protection for company-owned vehicles. Hired & Non-Owned Auto can also protect your business when employees use personal cars for work.

Contractors Insurance

Specialized coverage for builders and trades, designed to meet job site requirements and safeguard your projects long after they’re complete.

Towing Companies Insurance

Fleet, liability, and roadside protections crafted for Texas towing operators to keep trucks on the road and businesses moving forward.

Why Choose DFG Insurance Solutions

At DFG Insurance Solutions, we know Texas businesses can’t rely on cookie-cutter coverage. That’s why we:

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Tailor every policy to your trade, size, and risk exposure.

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Compare multiple top-rated carriers for competitive pricing.

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Deliver fast certificates of insurance to help you secure jobs quickly.

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Provide direct access to Dee and her team — no call centers, just real people.

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Stand with you at every step, from binding coverage to renewals and claims.

Common Questions About Commercial Insurance

  • Is commercial insurance required in Texas?

    Not always. General Liability isn’t state-mandated, but it’s often required by contracts, landlords, and clients. Workers’ Comp is optional for most employers, except in specific construction contracts.

  • How much does commercial insurance cost in Texas?

    Pricing depends on industry, location, payroll, and claims history. Higher-risk industries like contracting and towing may pay more. We shop multiple carriers to ensure you get value without sacrificing coverage.

  • Can I bundle commercial policies for savings?

    Yes. Many Texas businesses save by combining General Liability, Property, and Business Interruption into a Business Owners Policy (BOP).

  • Do I need commercial auto insurance if employees use their own cars?

    Yes. Personal auto insurance won’t cover accidents during business use. Hired & Non-Owned Auto coverage protects your company in these cases.

  • What makes DFG Insurance Solutions different?

    We’re an independent, family-owned agency — not tied to one carrier. That means our only focus is finding the right coverage at the best value, backed by honest guidance and local Texas service.

Protect Your Texas Business Today

Your business deserves more than a one-size-fits-all policy. At DFG Insurance Solutions, we’ll design coverage that protects your livelihood, your employees, and your peace of mind.

Request Your Quote Today

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