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Texas Minimum Business Insurance Coverage (2025): What You Must Know Meta Description: Understand the minimum business insurance coverage in Texas for 2025, what standard policies include and when you should upgrade. 1️⃣ Minimum business insurance requirements in Texas In Texas, unlike auto insurance or workers’ compensation in some states, there is no blanket statutory requirement for all businesses to carry general commercial liability insurance. Some specific industries or contracts impose minimums—for example, a licensee under certain regulatory chapters must carry liability insurance of not less than $1 million per occurrence in Texas. Additionally, businesses owning vehicles must carry commercial auto liability under Texas law. 2️⃣ What typical minimum coverage includes (and excludes) For businesses, “minimum” often means the lowest coverage level that satisfies contract or regulatory requirements—not necessaril...