Quote Texas Insurance

Quote Texas Insurance Quote Texas Insurance makes Insurance simple! This means you don't pay more for extras you don't need. We are the voice of business insurance in Texas.
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Quote Texas Insurance has a custom process that ensures that each of their clients receive exactly what they are looking for. Each one of our licensed staff is fully trained and educated in our specific process of cost reduction and coverage enhancement. When you use Quote Texas Insurance, you are using a top tier agency with a sharp focus on business insurance. Established in 2001, Quote Texas Insurance offers businesses in the state of Texas an opportunity to have a true insurance advocate.

09/02/2026

Misclassifying office employees as field employees — or vice versa — creates audit exposure on workers' compensation policies. Audits look at actual W-2 payroll by job duty, not job title. A $150,000 underreported payroll in a high-rate classification can generate a $15,000 to $25,000 additional premium bill at audit.

09/01/2026

Your workers' compensation experience modification factor follows your business — not your agent. If you switch carriers, your mod transfers. A mod above 1.25 signals serious underwriting problems and some carriers will decline to quote. Sustained improvement in your safety program and claims management takes three policy years to reflect in your mod.

08/31/2026

Workers' compensation in Texas is unique: private employers are not required to carry it. But opting out does not limit your liability — it eliminates the statutory defense. An opted-out employer facing a serious injury claim can be sued for negligence with no damage cap. Most businesses that run this analysis choose to carry coverage.

08/30/2026

Distracted driving is now the leading cause of commercial vehicle accidents in Texas. Carriers are offering 5 to 15 percent premium discounts for fleets that deploy telematics programs documenting safe driving behavior. The data also helps defend against inflated injury claims by establishing vehicle speed and braking at time of impact.

08/29/2026

Personal auto policies exclude vehicles used for business purposes beyond commuting. If an employee drives a personally owned vehicle to make deliveries, conduct site visits, or transport equipment, your business needs hired and non-owned auto coverage. One accident without it creates direct personal liability for your business.

08/28/2026

Commercial auto premiums increased an average of 14 percent in Texas in 2025 and are expected to rise another 8 to 12 percent in 2026. The primary drivers are increased accident frequency, rising medical costs, and nuclear verdicts in litigation. Fleets with clean MVR histories are seeing smaller increases — driver screening and telematics help.

08/27/2026

A phishing email convinces your employee to wire $40,000 to a fraudulent vendor. Your commercial crime policy covers employee theft and forgery. Funds transfer fraud — where an employee is deceived rather than acting with intent — requires a specific endorsement. Without it, the loss is yours.

08/26/2026

Your general liability policy excludes electronic data loss and cyber incidents. This is not a gray area — it is a specific exclusion written into standard ISO commercial general liability forms. If your business stores customer payment data, employee records, or operates any internet-connected systems, you have cyber exposure that requires a separate policy.

08/25/2026

Ransomware attacks on small businesses increased 42 percent in 2025. Attackers now target businesses with 10 to 50 employees specifically because security posture is weaker and willingness to pay is higher. Cyber liability insurance covers ransom payments, data recovery costs, and business interruption from a network outage.

08/24/2026

Sixty percent of small businesses that experience a significant data breach close within six months. Most Texas small businesses carry no cyber liability coverage. A basic policy covering breach notification, credit monitoring for affected customers, and legal defense costs typically runs $800 to $1,500 per year for most small commercial operations.

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213 NW Lorna Street
Burleson, TX
76028

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Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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