(713) 388-6681 Houston, TX

How Much Does Small Business Insurance Cost?

How Much Does Small Business Insurance Cost?


Hello, small business owners of Houston, Harris County, TX! If you're wondering how much it costs to protect your business with insurance, you've come to the right place. At Security Guard Insurance Specialists - Houston Texas, we understand that navigating the world of business insurance can be overwhelming. Let's break it down together so you can make an informed decision. Call us at 713-388-6681 if you have any questions.

Understanding the Costs

The cost of small business insurance varies based on several factors, including the type of business, location, and coverage needs. On average, small businesses in the United States spend between $500 and $3,000 per year on general liability insurance. However, your specific costs may vary.

Factors Influencing Insurance Costs

Several factors affect the cost of small business insurance:

Type of Business

The nature of your business and the industry you operate in can significantly influence your insurance premiums.


Your business location affects your insurance rates. Businesses in high-risk areas may pay more for coverage.

Number of Employees

The more employees you have, the higher your insurance costs, as there are more people to protect.

Typical Claims Covered

Small business insurance can cover a variety of claims, including:

Property Damage

Covers repair or replacement costs if your business property is damaged by fire, vandalism, or natural disasters.

Bodily Injury

Protects against claims if someone is injured on your business premises or by your products/services.

Legal Fees

Covers the cost of legal defense if your business is sued for various reasons, including negligence.

Data Snapshot

Below is a data snapshot of average annual costs for various types of small business insurance:

Type of Insurance Average Annual Cost
General Liability $500 - $1,500
Professional Liability $600 - $2,000
Workers' Compensation $1,000 - $3,000
Commercial Auto $750 - $2,000

Why Choose Security Guard Insurance Specialists - Houston Texas?

At Security Guard Insurance Specialists - Houston Texas, we specialize in providing customized insurance solutions for small businesses in Houston, Harris County, TX. Here's why you should choose us:

  • Personalized Service: We tailor our policies to fit your specific business needs. Call 713-388-6681 for a customized quote.
  • Experienced Agents: Our knowledgeable agents are here to guide you through the insurance process. Contact us at 713-388-6681.
  • Comprehensive Coverage: We offer a wide range of coverage options to ensure your business is fully protected.

Get a Quote Today

Ready to protect your small business? Contact us at 713-388-6681 or fill out our online quote request form to get started. Let Security Guard Insurance Specialists - Houston Texas help you find the best insurance solutions for your business in Houston, Harris County, TX.

We look forward to helping you secure the future of your business. Call 713-388-6681 today!