AFFORDABLE COMMERCIAL INSURANCE FOR TEXAS BUSINESSES

Protect your small business and commercial vehicles with tailored commercial business insurance and commercial auto insurance solutions.

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Our Top Commercial Insurance Carriers

Types of Commercial Insurance

General Liability Coverage

General liability coverage protects your business and safeguards your finances if you are at fault for injuries, accidents, or property damage caused by your business. It also provides you with legal defense if the other party files a lawsuit against you.

Commercial Property Coverage

Protects your place of business and covers your in-house equipment and inventory in the event of a fire, robbery, vandalism, or damage from extreme weather.

Commercial Auto Coverage

If your business owns one or multiple company cars for service or delivery purposes, it’s essential to acquire auto insurance for commercial vehicles to cover medical expenses or financial loss to your business if a work vehicle is involved in an accident, theft, or incurs physical damage.

Business Owner’s Policy (BOP)

For those who Ideal for small businesses, this cost-effective coverage allows you to bundle general liability insurance with commercial property insurance so you can ensure full protection.

Worker’s Compensation Coverage

This insurance option pays for medical expenses, benefits, and lost wages for your business employees who experience work related injuries or succumb to illness on the job.

Builder’s Risk Insurance

Construction job sites are prone to various hazards and risks. This type of coverage protects your building, equipment, and other structures undergoing construction or renovation.

Special Events Insurance

This short-term liability insurance helps cover your business and venue from accidents or medical costs incurred from a company party, trade show, or any other recurring event.

Equipment Floater Insurance

If you’re working multiple job sites, this coverage will cover your portable tools and mobile equipment so that your gear is protected when it’s moved between different locations.

Keep in mind that coverages, limits and deductibles vary. You'll get more information when you get a quote. All coverages are subject to policy terms and conditions.

Why Choose Us?

EXPERIENCE BETTER BUSINESS PROTECTION

Small businesses are the lifeblood of every community, and that’s especially true here in Texas. Whether you run a family-owned shop in Fort Worth or a growing service-based business across North Texas, having the right protection is essential to your long-term success. At Al Boenker Insurance, we offer a full range of small business insurance in Texas, including commercial property insurance, general liability insurance, and commercial auto insurance to safeguard your assets, employees, and daily operations.

If you’re searching for cheap business insurance in Texas that aligns with your budget and industry-specific risks, we’re here to help. We shop your small business insurance quote from multiple top commercial insurance companies to find the best small business insurance coverage for your unique needs. From contractor insurance to retail business insurance and more, our experienced agents can help you compare business insurance rates in Texas so you can focus on operations and growth.

INSURANCE FOR SMALL BUSINESS

Whether you're a small business owner, contractor, electrician, construction company, retailer, or service provider, our custom commercial insurance options are designed to keep your business secure. We take the time to understand your business and coverage needs and shop multiple commercial property insurance carriers to find you the best rate and coverage. If your small business operates in a brick-and-mortar store, we can offer commercial building insurance solutions so you can avoid unexpected losses and continue to grow your business.

TEXAS COMMERCIAL AUTO INSURANCE

Most small businesses in Texas rely on vehicles for deliveries, client appointments, service calls, and daily operations. Whether you operate a single service van or an entire fleet of trucks, having the right commercial vehicle insurance is essential to protecting your business on the road. At Al Boenker Insurance, we specialize in commercial auto insurance in Texas to make sure you have the right protection. With the ability to shop a network of top-rated carriers, we help you compare commercial auto insurance quotes and find the best rates based on your business size, vehicle types, and coverage needs.

COMPREHENSIVE COMMERCIAL COVERAGE

Texas is home to thousands of small businesses, each with their own unique set of goals, risks, and insurance needs that require personalized protection. Our Fort Worth commercial insurance agents at Al Boenker are well equipped to customize your coverage by shopping and comparing multiple commercial insurance quotes to safeguard your business investments at a low price. Ask about our comprehensive commercial insurance services or general liability insurance for small business solutions and save today!

Smiling café owner standing behind the counter, ready to serve customers — supporting small business with commercial coverage.

Row of white commercial vans parked in a lot — ideal for delivery, service, or small business use.

Have Questions?

We’ve got the answers for all the most common questions on Texas Commercial insurance for Dallas to Fort Worth and beyond.

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What is the basic amount of auto insurance required in Texas?

Texas law states that drivers must have auto liability insurance to pay for repairs, medical expenses, and car or part replacements if you’re at fault in an automobile accident. The minimum amount for bodily injury per person is $30,000 (or $60,000 total per accident) and $25,000 for any property damage per accident.
What key factors affect my auto insurance premium?

There are various aspects that determine your car insurance premium, including your driving record, age, credit history, vehicle type, marital status, location and the amount of coverage you choose to acquire.
Are there any discounts I can utilize to save even more money?

Absolutely! Many of the best auto insurance companies in Texas that we represent offer various discounts, including multi-policy discount (bundling home and auto), companion policy discount, education and good student discount, homeowner discount, multi-car discount, and prior insurance discount. The bottom line is: regardless of your background or status, Al Boenker will save you money on your Texas auto insurance!
Do I qualify to shop for low-cost auto insurance in Texas with Al Boenker?

Certainly! All 254 counties in Texas are covered by our services. No drivers license? No problem. You’re eligible to receive cheap full coverage auto insurance in Texas from Al Boenker.
Exactly how much money can I save on my auto insurance with Al Boenker?

Because we are an independent Texas insurance agency, we provide more options and better rates than agencies representing only one or two insurance carriers. Depending on certain factors, individual circumstances, and discount possibilities, you can typically save between 10% to 30% on your premiums compared to going directly to a single insurance provider.

Nathan Hale

Fast, reliable, savings year after year. A solid independent agency that works for you.

Grace Vidaurreta

Insurance companies normally ask my age, which increases my price, but my agent was fantastic. She worked with me by taking her time making sure I got a rate that not only suited my needs but was also soft on my pocketbook. Now I’m paying a very low rate, especially compared to the insurance rates that I am use to paying with other insurance companies. I plan on being with this company a long, long, long TIME.”

Mike Krejci

I've used Al Boenker for the last three years and have always had amazing service. My agent found boat insurance for me after my current insurance company dropped me for a very strange reason. He dug in and figured out what happened and found equal coverage for LESS cost with another company. I was super impressed, and he kept me in the loop every step of the way. I'm a big fan of Al Boenker insurance.

Jason Scott

Al Boenker hasn't disappointed once in 7 years! I recently dumped my old insurance company for the giant rate increase I was dealt. Al Boenker Insurance fought hard for me, even working after hours to get me insured! Their staff did an amazing job helping me and getting me insured quickly.”

Rosalind Shelton

I am so glad that I chose Al Boenker Insurance. Their agents are very knowledgeable and very detailed in their answers. I was able to transition into a new Homeowner’s Insurance policy very comfortably and confidently because they were so knowledgeable

Rita Hicks

I’m very happy with Al Boenker Insurance! We switched with them 2 years ago because they saved us $150 a month to cover two cars and then again, when it was time for renewal, they saved us another $100. Their agents are very knowledgeable and answered all our questions happily. They’re very quick to respond and we are satisfied with their customer service

Alejandra Gonzalez

I've been with Al Boenker for 5+ years. Today they did something that really surprised me that speaks volumes of their customer service and dedication to their clients. I received a call from my agent saying that they noticed I made an update with one of their providers and noticed my rate went up by 20%. They asked if I'd allow them to shop for a cheaper rate and of course I complied. My rate went down from $567 to $402. I'm impressed that they did this for me. Thank you so much! I recommend their service to anyone considering it. They'll look out for you and find what's best for you

Yesinia Silva

The agent I worked with was AWESOME!!! She saved me $100 on my car insurance and was one of the most responsive reps I've ever worked with. She was so friendly and super personable and an all-around great person to work with. Thank you so much for your excellent service and your eagerness to help me out!

Justine Chanthamany

I worked with Al Boenker Insurance to find the best price for my auto insurance. They were SO helpful. Since I started driving almost 20 years ago, I never paid much attention to whether I was under or over insured. I just knew I needed insurance and did a lot of guessing about what I might need. They went through EVERY LINE of my coverage, fully explaining the pros and cons of each level of coverage and thorough without dragging on. I never thought I'd be so impressed with an insurance agency! oh! and they found a way to save me about $1000 yearly with the EXACT SAME coverage! GREAT EXPERIENCE!”

Diana Wilson

I was looking to change insurance companies and spoke with Al Boenker Insurance. They were super helpful and a pleasure to chat with. They helped me find the best insurance to fit my needs and budget. They also took the time to ask lots of questions and gave me some great recommendations. The customer service I got was top notch

Ed Caldera

As usual they make purchasing insurance as simple as 1,2,3. I've carried insurance with them for over 2 years now and the service is excellent every time I need to renew. My agent was very knowledgeable and took care of my needs. They helped me get my vehicle covered the same afternoon I called. They do all the work for me and all I need to do is sign. Thank you once again

Glenda Williams

My experience with this company was great! My agent was very helpful and walked me through the steps of my needs on my policy while being mindful of my budget. Thank you

Ken Tywater

My experience with Al Boenker was great. My agent was extremely helpful and walked me through the process very efficiently. I would highly recommend this agency.

Bertha-Alicia Rios

Great company! I don't have any complaints. From the start, I knew exactly what my coverage was. No surprises, easy billing and payment options. Whenever I've contacted customer service, everyone has been very positive, knowledgeable, easy to work with and the online system is great and convenient. Prices are very competitive too.

Carol Gregg

I have been a customer for many years and have come to rely on the Al Boenker Insurance company for all my insurance needs. They have never let me down. And their staff is very friendly, responsive, professional, and competent. They are all you could ask for in an insurance company.