Business Insurance Longview, TX

There are numerous options to find coverage for business insurance in Longview, TX. You absolutely need insurance to protect your business from liability and accidents. This guide will help you choose the right coverage at an affordable price. 

According to data on the insurance industry, 75% of US businesses are underinsured, and 40% of small business owners have no protection whatsoever. 

A study conducted by Advisor Smith found that 75% of small businesses faced an insurable event in 2020. Use an online insurance provider to get a quote, find personalized insurance products, and easily file claims. 

Recommended: Estimate your premiums and coverage options in Texas. Get a quote from a dedicated small business insurer.

What Insurance Do I Need for My Longview Small Business?

With average premiums for general liability insurance in the United States at about $800/year, protecting your business can be affordable and a smart decision. 

Your premiums in Longview, TX will depend upon your industry, revenue, and risk. A brick-and-mortar business providing any kind of general product, services, or consulting could use a host of coverage options, such as general liability insurance for onsite accidents, commercial property insurance to protect against theft, or workers’ compensation to offer support in the event of workplace injuries.

Ecommerce businesses have unique needs and may be more concerned with data breaches or cybersecurity coverages. You can bundle most of these into a business owner’s policy (BOP).

What Are the Different Types of Business Insurance?

Below are the most popular types of coverage that a small business in Longview, TX may need:

General Liability Insurance Longview

General liability insurance is the most common type of business insurance, as it covers the most basic needs that are shared among all types of companies. Things like bodily injury on your business's property and physical damage caused by employees or employers are covered by this policy. 

Workers' Compensation Insurance Longview

Workers' compensation insurance is meant to protect the interests of your employees if they are injured on the job. It can also protect your business from a lawsuit if that employee needs compensation for their injuries. Workers' comp is mandated for any company with employees in every state except Texas and South Dakota.

Business Owner’s Policy Longview

A business owner's policy is a bundle of insurance policies usually consisting of general liability, commercial property, and business interruption insurance. Since they are packaged and sold as one policy, this makes the administration of your protection simpler, and it may even come at a discounted rate.

Find the Most Affordable Coverage

Visit our Cheapest Business Insurance review to find the best coverage at the lowest rate.

Read Our Review

Online Business Insurance vs. Traditional Insurance Agency in Longview

Online insurance agencies generally provide comparable coverage to a traditional insurer at a lower price. As a result, a growing number of small businesses prefer to use online business providers to find personalized insurance products and save on costs. They offer other benefits as well:

We highly recommend using an online provider like Next Insurance for a number of reasons:

  • Mobile App: Easily access all your coverage provided and Certificate of Insurance (COI) through an app.
  • Personalized Coverage: Online insurance providers use AI and predictive data to provide customized insurance options tailored to the unique risks to your business.
  • Lower Premiums: Online insurance providers save on expenses by not having brick-and-mortar locations or full-time agents and pass on these savings to their customers through lower premiums. 
  • Quick Turnaround on Claims: You can file a claim online and receive a resolution, usually within 48 hours
  • Convenience: Save time by avoiding speaking to an agent on the phone, get a quote instantly and insure your business within 24 hours. 

Two Ways To Start Coverage

Compare Quotes Online

Use our dedicated small business insurance provider to generate a quick and accurate online quote, specifically for your small business. 

Get an online quote

Next Insurance logo

Speak With an Insurance Representative

Representatives are online from 8:00 a.m.–8:00 p.m. ET, Monday–Saturday, to answer your questions and help you discover the best coverage. 

Call Now: 833-536-1478

Tivly Logo

Frequently Asked Questions

Do I really need business insurance?

A study conducted by Advisor Smith found that 75% of small businesses faced an insurable event in 2020. Because of this, it’s in your best interest to get insured. 

How much should business insurance cost?

The cost of business insurance for a small business is typically between $700 and $3,800 a year, but this depends greatly on what types of insurance your business needs, your industry and the risk associated with your state.

What are the business insurance requirements in Texas?

In Texas, business insurance requirements may vary based on the type and size of your business. It's crucial to have the right insurance to protect your business from potential risks. For a comprehensive understanding of business insurance requirements in other states, please refer to our easy-to-understand guide.

How do I get business insurance in Longview?

An insurer like Next Insurance offers convenience and can get you an instant, online quote with your specific needs in mind or we recommend calling a local insurance agency as listed below in Longview to discuss your unique needs.

What happens if I don’t have business insurance?

  1. In the event of any liability, such as property damage, client injury, data breaches, etc., you can be held responsible to pay in full any court-appointed charges, with no benefit payout to help cover the cost.
  2. Businesses may choose not to work with you, as they do not want to assume all of your risk on their own insurance policy.
  3. Depending on your business and jurisdiction, your state or local government may shut down your business if you do not satisfy their insurance requirements. In addition to this, you may be forced to pay a penalty.

Do I need business insurance if I’m a sole proprietorship?

Yes. Sole proprietorships, like other businesses, should get business insurance. 

Small Business Resources in Longview, TX

UT Tyler-Longview SBDC

With a location headquartered in Longview, the UT Tyler-Longview chapter of the North Texas SBDC helps small businesses in Gregg County with free one-on-one business consulting and advising services on topics such as marketing, profitability, business risk management, and more.

Longview Chamber of Commerce

Small businesses that operate within the Longview city limits can become members of the Longview Chamber of Commerce. Joining the Chamber provides entrepreneurs with access to seminars, government advocacy initiatives, and unique programs such as the Business Solutions Summit and the HealthyView Summit.

East Texas SCORE

Located in the nearby city of Tyler, East Texas SCORE can set up Longview business owners virtually or in person with an experienced mentor who can provide free guidance in business strategies for management, planning, and more.

Longview Economic Development Corporation

Entrepreneurs currently residing in or looking to move to Longview can find the help they need with the Longview Economic Development Corporation (LEDCO). The LEDCO acts as a hub for a variety of small business tools, including local demographic and labor data, commercial real estate opportunities, city permits, and local talent recruitment guidance.

Local Insurance Agents in Longview, TX

We have compiled a list of local insurance agencies in Longview, TX if you prefer to discuss your specific needs by speaking to an independent insurance agency or representative.

Martin Insurance Agency

  • Google Rating: 5/5
  • 3108 Gilmer Rd., Longview, TX 75604
  • Monday–Friday, 9:00 a.m.–4:00 p.m. CT
  • 903-297-5766

Erick Dodge Insurance Agency, Inc.

  • Google Rating: 4.8/5
  • 501 N. TX-63 Spur D6, Longview TX 75601
  • Monday–Friday, 9:00 a.m.–5:00 p.m. CT
  • 903-248-5000

Rick Grisham - State Farm Insurance Agent

  • Google Rating: 4.9/5
  • 2393 HG Mosely Pkwy. Bldg. 3 Ste. 101, Longview, TX 75604
  • Monday–Friday, 8:00 a.m.–5:00 p.m. CT
  • 903-759-6962

J.J. Walnofer - State Farm Insurance Agent

  • Google Rating: 5/5
  • 2318 Judson Rd. Ste. A, Longview, TX 75605
  • Monday–Thursday, 9:00 a.m.–6:00 p.m. CT
  • Friday, 9:00 a.m.–5:00 p.m. CT
  • 903-663-4176

Gans & Smith Insurance Agency, Inc.

  • Google Rating: 3.8/5
  • 1109 Judson Rd., Longview, TX 75601
  • Monday–Friday, 8:00 a.m.–5:00 p.m. CT
  • 903-757-4601

Rob Bassett - State Farm Insurance Agent

  • Google Rating: 4.6/5
  • 3107 McCann Rd., Longview, TX 75605
  • Monday–Friday, 8:30 a.m.–5:00 p.m. CT
  • 903-753-8934

John Frazier - Allstate Insurance Agent

  • Google Rating: 5/5
  • 4111 Gilmer Rd. Ste. 100, Longview, TX 75604
  • Monday–Friday, 8:30 a.m.–5:30 p.m. CT
  • 903-371-0801