Small Business & Commercial Insurance
Commercial insurance is our owner’s specialty. From general liability to a full business owner’s policy, we protect Texas businesses the same way we protect our own.
Coverall Insurance Agency was built on commercial insurance expertise. Owner Matt Allen spent years in business protection before buying the agency, and that depth shows. Whether you are a contractor, a shop owner, a consultant, or a growing startup, we build coverage around how your business actually runs — and we shop multiple carriers to keep it affordable.
Coverage we place for Texas businesses
General Liability Insurance
The foundation of business protection — covering third-party injury, property damage, and the claims that come with doing business.
Learn more →Workers’ Compensation Insurance
Protect your employees and your business when someone gets hurt on the job — with coverage shopped across Texas’s top comp carriers.
Learn more →Commercial Auto Insurance
Vehicles that work for a living need business coverage — for one work truck or a whole fleet.
Learn more →Commercial Property Insurance
Protect the building, equipment, inventory, and tools your business runs on — from fire, theft, storms, and more.
Learn more →Commercial Umbrella Insurance
Extra liability protection that kicks in when a big claim exceeds your other policies’ limits.
Learn more →Don’t see your coverage? We place far more than what’s listed here — just ask.
Built for your line of work
We tailor coverage to the real risks of your industry.
Construction
From general contractors to specialty trades, we build coverage around the way you actually work — and issue the certificates your clients demand.
Construction insurance →Food Service
Restaurants, bars, cafés, and food trucks carry unique risk. We cover the kitchen, the customers, and everything in between.
Food Service insurance →Retail
Shops, boutiques, and storefronts — protect your space, your inventory, and the customers who walk through your door.
Retail insurance →Real Estate
Agents, brokers, property managers, and investors — coverage for the advice you give and the properties you hold.
Real Estate insurance →Auto Service & Dealers
Repair shops, garages, detailers, and dealers — coverage for your customers’ vehicles and your own operation.
Auto Service & Dealers insurance →Transport
Owner-operators and fleets — protect your trucks, your cargo, and your liability on every mile.
Transport insurance →Nonprofit
Protect your mission, your board, your volunteers, and the people you serve.
Nonprofit insurance →Manufacturing
Protect your facility, your machinery, your products, and your people on the line.
Manufacturing insurance →Professional Services
Consultants, agencies, and firms — coverage for the advice you give and the data you hold.
Professional Services insurance →Commercial insurance is our specialty
Coverall was built on commercial expertise. Owner Matt Allen spent years in business protection before buying the agency, and that depth shows in how we build a program: we start with how your business actually operates, identify where you’re exposed, and assemble coverage that fits — instead of selling you a one-size package.
Because we’re independent, we shop your business across multiple carriers, including specialists like Texas Mutual for workers’ comp and a range of markets for liability, property, and auto. One relationship, the whole market.
The core policies most businesses need
Most Texas businesses are built on some combination of these:
- General liability — third-party injury and property damage
- Commercial property — building, equipment, and inventory (often bundled as a BOP)
- Workers’ compensation — employee injuries and your legal protection
- Commercial auto — vehicles and drivers used for work
- Commercial umbrella — extra liability limits above it all
Coverage tailored to your industry
A contractor, a restaurant, an auto shop, and a consulting firm face very different risks — and need very different programs. We tailor coverage to your line of work, from garagekeepers for auto service to liquor liability for restaurants to errors & omissions for professional services. Explore the industries we serve or just tell us what you do.
Business insurance questions, answered
What insurance does a small business need in Texas?
Most start with general liability (often bundled with property in a BOP), add workers’ comp if they have employees, commercial auto if they drive for work, and an umbrella for extra liability. We build the right mix around your specific operation.
Is business insurance required in Texas?
The state rarely mandates it, but your clients, landlords, lenders, and contracts almost always do — and workers’ comp affects your legal exposure. We help you meet every requirement and issue certificates of insurance fast.
Can you issue a certificate of insurance quickly?
Yes. Once your policy is bound we can issue certificates of insurance — including additional insured endorsements — usually the same day, so paperwork never holds up a job or a lease.
Do you work with my industry?
Almost certainly. We serve construction, food service, retail, real estate, auto service, transport, nonprofit, manufacturing, professional services, and many more. If you don’t see yours, just ask.
Protect your business like we protect ours.
Commercial insurance is our specialty. Tell us about your business and we’ll build the right coverage.