Clear Guidance When Every Decision Feels Heavy
Owning a business in Texas means facing risks—from lawsuits to storm damage and on-the-job injuries. Most owners feel unsure about what insurance they truly need, how much coverage is enough, or what’s required by law. At Broken Spoke Insurance, we take the guesswork out of commercial insurance—breaking down policies in plain English, customizing packages to fit your needs, and re-shopping your rates every year. As an independent agency licensed in 15 states, we bring both local expertise and broad carrier access, serving businesses across industries and sizes.
Everything Included in This Service
Protects against third-party injuries, property damage, and legal costs. A core policy for nearly every Texas business.
Covers buildings, equipment, inventory, and business interruption from fire, theft, or weather events.
Coverage for vehicles owned, leased, or rented by your business—including cars, trucks, and trailers.
Helps cover medical expenses and lost wages if employees are injured at work.
Protects service-based businesses against claims of errors, omissions, or negligence.
Covers costs related to data breaches, cyberattacks, and privacy claims.
Safeguards business leaders from claims related to management decisions.
Covers claims of wrongful termination, discrimination, or harassment.
Adds an extra layer of liability coverage above your other policies.
Bundle property, liability, and more in one affordable package designed for small businesses.
For trucking and farm businesses, see specialized coverage on our Trucking Insurance and Farm & Ranch Insurance pages.
Why LA Businesses Trust Derian Insurance
Share details about your business, employees, and property
Receive a clear, customized quote—often same day
Get honest guidance on requirements vs. recommendations
Adjust, bundle, or expand policies as your needs change
Access claims help and annual reviews with a real advisor
Common Questions About Business Insurance in Texas
Is business insurance required in Texas?
Certain types, like workers’ comp, are optional, but liability and auto coverage are highly recommended and often required by landlords or contracts.
How much does business insurance cost for a small business?
It varies by industry, size, and risk. We shop multiple carriers to find affordable options and keep costs down.
Do I need a Business Owners Policy (BOP)?
A BOP is ideal for many small businesses, bundling key coverages for simplicity and savings. We’ll advise you if it’s the right fit.
How can I save money on commercial insurance?
Work with an independent agency like Broken Spoke—we re-shop your policies every renewal and look for all available discounts.
Can I get coverage outside Texas?
Yes, we’re licensed in 15 states and can insure operations in multiple regions.
Commercial Lines
Take Control of Your Business Risks—Get a Quote Today
No two Texas businesses are alike. With Broken Spoke Insurance, you get tailored coverage, fast quotes, and ongoing advice to keep your business protected—without breaking the budget. Let’s talk about what you need, compare your options, and help your business grow with confidence.