Commercial Insurance

for Texas Businesses

Construction worker icon with a shield and checkmark.

Protecting Your Business in Texas

Running a business in Texas means managing risk every day—whether you're pouring concrete in Burnet, leasing retail space in Waco, or flipping a duplex in Marble Falls. At Ironwood Insurance, we work closely with contractors, real estate investors, and small business owners to build coverage strategies that actually fit their operations.


Texas doesn’t require all businesses to carry workers’ compensation or commercial auto insurance, but that doesn’t mean going without is a smart move. The right policy can prevent a bad day from turning into a financial disaster. Our job is to help you find the balance between risk and reality—without wasting time or overcomplicating things.

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Types of Commercial Insurance We Offer

Every Texas business faces unique exposures. Here are some of the core coverages we offer to help protect your bottom line:

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General Liability Insurance

Covers third-party bodily injury and property damage. A must for most contractors and client-facing businesses.

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Commercial Property Insurance

Protects your building, tools, inventory, and business equipment from fire, theft, storms, and more.

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Workers’ Compensation Insurance

Covers medical costs and lost wages for employees injured on the job. While not required in Texas, it’s often expected in contracts—and essential in risky industries.

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Commercial Auto Insurance

Covers vehicles owned or used by your business. From pickups to box trucks, we’ve got you covered.

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Commercial Umbrella Insurance

Adds an extra layer of liability protection when your base policies max out. Ideal for high-exposure businesses.

Contractors & Investors – Specialized Coverage

Not all businesses look the same—and neither do their insurance needs. If you’re a general contractor, tradesperson, or property investor in Central Texas, you’re dealing with risks that go beyond the basics.



We understand the challenges that come with jobsite injuries, subcontractor liability, equipment theft, and property exposure. That’s why we offer focused solutions like:

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Builder’s Risk Insurance

for new builds, remodels, and fix-and-flip projects

Explore Builder’s Risk Coverage →
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Contractor Insurance Packages

combining liability, inland marine, and more

Explore Contractor Coverage →
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Property & Liability Coverage

tailored to real estate portfolios

Explore Property & Liability Coverage →

Whether you're laying foundation or managing tenants, we speak your language—and we’re here to help you find the right fit.

Why Ironwood for Commercial Insurance

As a local, independent agency based in Waco, we bring a real-world perspective to insurance. Our team has firsthand experience running businesses, managing construction projects, and investing in real estate. That means we understand how policies apply outside the paperwork.

Here’s what you can expect from us:

01.

Access to multiple carriers to find competitive pricing and flexible options

02.

Clear, responsive communication—no agency runaround

03.

Help reviewing contracts or certificates of insurance (COIs)

04.

Fast turnaround on quotes and claims support when you need it most

Ironwood Insurance is proud to support the business community in Waco and surrounding counties. Our approach is simple: we meet you where you are and help you move forward with confidence.

Frequently Asked Questions About Commercial Insurance in Texas

  • Do I legally need commercial insurance to run a business in Texas?

    Texas doesn’t require most businesses to carry general liability or property insurance by law, but many landlords, lenders, and clients do. For example, if you’re leasing a space in Waco or bidding a job in Lampasas, the contract may require proof of insurance. Even if not required, coverage can help you avoid costly out-of-pocket claims.

  • What types of businesses do you insure?

    We work with a wide range of businesses across Central Texas—from general contractors, electricians, and landscapers to real estate investors, office-based operations, and growing service providers. If you’ve got a team, tools, or customers, chances are we can help you cover your risk.

  • Can you help with certificate of insurance (COI) requests?

    Yes. We issue COIs quickly and at no extra cost. If you’re working with a general contractor or need proof of coverage for a property manager, we’ll get the documentation handled—often same-day.

  • How much does commercial insurance cost in Texas?

    It depends on your trade, number of employees, location, and claims history. A small construction business in Waco might pay a different rate than a retail shop in Marlin. We shop multiple carriers to get competitive quotes that match your business’s risk profile and budget.

  • Do you offer coverage for subcontractors or 1099 workers?

    Yes—many of our contractor clients need options for subs or independent workers. We’ll help you understand the risk exposure and available coverage options, whether you need to include subcontractors on your general liability policy or guide them to carry their own.

  • What’s the difference between general liability and builder’s risk insurance?

    General liability covers third-party injuries and property damage (e.g., someone trips on your job site). Builder’s risk covers the actual property under construction—materials, tools, and work in progress. Both are important, but they serve different purposes.


    Learn more →

  • Can I bundle multiple coverages into one policy?

    Absolutely. Many small businesses benefit from a Business Owner’s Policy (BOP), which combines general liability and commercial property into a single, cost-effective package. We can also add endorsements or customize coverage depending on your operations.

  • What areas do you serve?

    Ironwood Insurance is based in Waco and serves businesses across Central Texas, including Burnet, Marble Falls, Lampasas, and Marlin. We focus on helping businesses in areas that are often overlooked by the big-city carriers—places where hands-on support still matters.

Get a Commercial Insurance Quote

Every business is different. Let’s build a coverage plan that fits yours. Get started today with a free commercial insurance quote—we’ll walk you through the options and answer any questions you’ve got along the way.