Workers Compensation Insurance in Houston, Texas

Comprehensive Workers Compensation Insurance in Houston, Texas

Protect your Houston business and employees from workplace injuries with reliable workers compensation coverage. Ensure compliance, financial protection, and peace of mind.

Introduction to Workers Compensation Insurance

Workers Compensation Insurance, often referred to as Workers Comp, is essential protection designed to cover medical costs, lost wages, and rehabilitation expenses for employees injured on the job. Businesses in Houston, TX, rely on Workers Compensation Insurance coverage to meet Texas regulations, safeguard their workforce, and manage risk effectively.

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Types of Business Insurance Coverage Available in Houston

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Used Car 
Dealerships

Non-franchised used car dealerships in Houston—including buy here/pay here dealerships—require insurance coverage. Whether your Houston dealership is large or small, we can provide the right coverage at very competitive prices.
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Commercial Truck Insurance

Trucking 
Insurance

Trucking is an essential industry in Houston, but also an expensive one. Regardless of the size of your operation, we can help protect your Houston-based fleet and cargo.


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Restaurant Insurance

Bars, Taverns & Restaurants

Bars, taverns, and restaurants in Houston serve many people each day, but they also face daily risks that require coverage. Whether your Houston bar, tavern, or restaurant is large or small, we can provide the right coverage at very competitive prices.
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Self Storage 
Centers

The business of storing people's personal items in Houston requires a strong level of insurance protection. Whether your Houston self storage facility is large or small, we can provide the right coverage at very competitive prices.

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Bounce Houses 
Insurance

Bounce houses are popular party destinations for families and young children in Houston. Whether your Houston bounce house operation is franchised, independent, or includes rentals, we can provide the right coverage at very competitive prices.

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Employment Practices Liability

Employment-related risks in Houston, such as sexual harassment, can be highly damaging to businesses.





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Business Owners 

Many Houston businesses require a BOP, which combines property, liability, and income insurance.

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Workers' Compensation

Workers' comp insurance in Houston pays for work-related injury or illness medical expenses and lost wages.

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Cyber Liability Insurance

Cyberattacks are on the rise in Houston, posing risks to business data and reputation.

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General Liability
General liability insurance in Houston safeguards against bodily injury and property damage claims.

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Commercial Auto
In Houston, you require insurance coverage for business vehicles, just like personal ones.

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Commercial Umbrella

Your Houston business's assets could be jeopardized if a covered claim exceeds policy limits.

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Error & Omissions
Insurance
Errors, even innocent ones, can lead to negligence lawsuits from clients in Houston.

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Directors & Officers Liability Insurance

In today's complex Houston business landscape, D&O claims from stakeholders pose a higher risk.

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Commercial Property 
Insurance

The place you do business in Houston says a lot about your success. Maybe your Houston-based wholesale company acquired a second warehouse.
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Crime Insurance

Your Houston company confronts various costly risks, including theft, vandalism, and fraud.

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Builder's Risk Insurance

Because every construction project in Houston is unique, each builder’s risk policy is different.

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Liquor Liability Insurance

Alcohol service at events or in businesses in Houston inherently carries some risk.


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Surety Bonds

For Houston business operations, ensure contract and financial obligation guarantees with surety bonds, promising liability for debt, default, or failure.
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Yacht Insurance

Inland Marine Insurance

Inland marine insurance in Houston protects goods during overland transport, unlike traditional marine insurance.
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Environmental Insurance

Environmental Insurance

In Houston, growing risk arises from environmental liabilities often excluded in standard insurance.

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Equipment Breakdown

In Houston, it shields businesses from external risks damaging equipment, like fire or floods.
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Business Owner's Insurance

Key Person Life Insurance

Maturing small businesses in Houston rely heavily on a vital core team.

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Fiduciary Liability

Employees in Houston tend to prefer companies with diverse, comprehensive benefit offerings.
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Special Event 
Insurance

Special event insurance in Houston safeguards investments in specific occasions, like weddings.
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Captive 
Insurance

Captive insurance in Houston empowers cost reduction and customized coverage control.
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Commercial Flood Insurance

Many Houston business insurance plans exclude flood-related losses, even in low-risk areas.
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Error & Omission Insurance

Technology Company Insurance

Explore endless possibilities with our support in Houston, whether you're a tech company or an IT contractor.

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Group Vision 
Insurance

Want to save your Houston employees money and ensure they have access to important health care?

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Commercial Truck Insurance

We understand that owning a commercial truck in Houston can be a significant investment.

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Brewery Insurance

Brewery Insurance

Houston's brewing industry growth poses risks like equipment breakdowns, contamination, and recalls.


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Builder's Risk Insurance

Contractor Insurance

When you choose our company for your contractor insurance needs in Houston, you'll benefit from our years of experience and our commitment to excellent customer service.
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Condo Association

Condo building insurance is crucial for Houston businesses, shielding against unexpected events.


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Child Day Care Center Insurance

The daycare industry in Houston thrives with increasing two-income households.

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Auto Repair Shop Insurance

Local drivers in Houston rely on prompt auto repair; various events can disrupt.

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Landscaping
Insurance

As a landscaper in Houston, you’re dealing with more than just inclement weather and slow seasons.
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Medical Office 
Insurance

Medical facilities in Houston face liability, property, and cyber risks; insurance protects them.
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Non-Profit 
Insurance

Non-profits in Houston, often on tight budgets, could face ruin from large expenses.
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Property Manager Insurance

Safeguard your property management business in Houston from financial risks with insurance.
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Restaurant 
Insurance

Food service businesses in Houston face various challenges, but customer lawsuits shouldn't be one.
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Winery & Vineyard Insurance

Running a winery in Houston is complex, with numerous risks beyond what's evident.
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Auto Insurance

Auto Dealer 
Insurance

Our auto dealer insurance is the ultimate protection for your Houston business.

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Commercial Auto Insurance

Fleet 
Insurance

Fleet auto insurance in Houston covers owned, non-owned, and hired vehicles for businesses.

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Commercial Property Insurance

Professional Services Insurance

Professional service firms in Houston face the risk of costly lawsuits, even if unfounded.

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Retail Business Insurance

Retail Business 
Insurance

Whether they come to you for clothing, pet food, or auto parts, your Houston customers depend on your store for products and expertise.
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Wholesaler Business Insurance

Wholesaler Business Insurance

The wholesaler and distributor industry in Houston comes with numerous complex risks.
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Church Insurance

Church 
Insurance

Churches, synagogues, mosques, and temples in Houston are more than just buildings.
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Farm Insurance

Farm 
Insurance

Farm and ranch owners insurance in Houston is dual coverage that protects your operation and the home you live in.
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Fitness Studio Insurance

Fitness Studio 
Insurance

A fire at your Houston gym or fitness center—or a lawsuit from a weight-lifting injury—could devastate your business.
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Golf Course 
Insurance

Golf course insurance in Houston is tailored to meet the unique needs of golf courses.
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International Business Insurance

In the globalized economy, Houston businesses of all sizes operate beyond U.S. borders.
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HVAC Contractor Insurance

In the Houston ventilation industry, every project carries differing levels of risk.

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Security Guard 
Insurance

Security guards in Houston are the crucial barrier between chaos and order, risking themselves daily for client safety.

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Plumbing Contractor Insurance

Plumbing insurance in Houston gives protection against a wide variety of risks routinely faced by plumbers and plumbing contractors.
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Electrical Contractor Insurance

Working on electrical systems in Houston, whether in a home or at a business, can be dangerous.

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Fire Protection Contractor Insurance

Your fire protection contracting work in Houston is crucial for the safety of various occupancies like warehouses, hospitals, and offices.
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Real Estate Investor Insurance

Real estate investment in Houston is rewarding but, like all, comes with risks.


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Child Day Care Center Insurance

Educational Institutes Insurance

Educational institutions in Houston are community cornerstones, and we understand their complex demands.
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Industries We Serve

Professional Service

Professional Services

Retail and Ecommerce service

Retail and Wholesale Businesses

Medicare Part B

Healthcare Providers

Transportation and logistics

Transportation and Logistics

Construction firm

Construction and Contractors

Manufacturing

Manufacturing

Hospitality

Restaurants and Hospitality

Why Choose Us for Your Houston Workers Compensation Insurance Needs

Expert support through the claims process.


Extensive understanding of Houston's business environment and Texas regulations.

Tailored coverage that matches your specific business requirements.

Access to top-tier carriers to ensure affordability.


FAQs

How much does Workers Compensation Insurance cost in Houston?

Rates depend on business type, employee count, and risk factors. Request a free quote today for personalized pricing.

Is Workers Compensation Insurance mandatory in Texas?

While Texas does not mandate Workers Comp, having it protects your business financially and legally in case of workplace accidents.

Does my small business in Houston need Workers Compensation Insurance?

Yes, Workers Compensation Insurance is strongly recommended even for small businesses to safeguard against substantial financial risks.

What Our Clients Are Saying

I'm glad i met Matt ! I wish I would have started using him sooner.
Our company flips homes and we are in a crunch for time (seems like always) for our closing. Matt and his group made it happen in record time. I have an appointment next week to transfer all my personal insurance over. THANKS MATT!
-Kyle Powell

I had the pleasure of working with Matt at Southwest Commercial Insurance Company for my business insurance needs, and I couldn't be happier with the level of service and communication they provided. His team took the time to thoroughly understand my business and its unique requirements, ensuring that I received a tailored insurance solution that met all of my needs.
-Daniel Hogenson
As a new business owner, I really needed my hand held and to be guided in the right direction. I spoke to several agencies trying to get my General Liability coverage and it wasn't until I spoke with Matt that I knew I was in good hands. I felt an instant trust and appreciation for his knowledge of not only insurance, but also construction. I highly recommend Matt & Southwest Commercial Insurance for all your insurance needs!!
-Doug Brooks




Although I didn't choose Southwest for my builders risk policy, I'd like to show my thanks to Matt Gerhardt for his help in providing me with quotes for a few policy options. He was quick to help and eager to offer me solutions to my need for insurance for my total home renovation. Matt also noted that he has over 20 years of experience in the construction industry and has a good knowledge of the ins and outs of residential construction. If it weren't for my tight budget, I would have happily used Southwest as Matt was quick to respond, very friendly, professional, and gave me the impression that he takes his job seriously.
Thank you Matt
-Charlie Baumstark
What a wonderful experience! Matt Gerhardt from Southwest Commercial Insurance took the extra time to help me understand the coverage I need for my specific business and went the extra mile to have everything ready in a super expedited manner. I got worker's comp, general liability and business auto insurance through Southwest Commercial Insurance and I am so happy I am working with Matt.
-Vanessa Simpson
Matt provided us outstanding customer service! He also took time out of his day multiple times to explain different coverages, insurances, etc. and we truly appreciated that. Would definitely recommend Southwest Commercial Insurance!!
-Kar Elite Auto Sales



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Request a Workers Compensation Insurance Quote Today

Secure your business and employees today. Request your personalized Workers Compensation Insurance quote and discover why businesses across Houston trust our expertise.

Contact Us

Southwest Commercial Insurance

We will review your unique risks in order to find coverage that’s perfect just for you.
737.777.6420matt@swcitx.com
Fax: 512.276.6755
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