Business Insurance San Antonio, TX

There are numerous options to find coverage for business insurance in San Antonio, 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 San Antonio 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 San Antonio, 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 San Antonio, TX may need:

General Liability Insurance San Antonio

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 San Antonio

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 San Antonio

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 San Antonio

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

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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

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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 San Antonio?

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 San Antonio 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 San Antonio, TX


LaunchSA supports entrepreneurs in any stage of their business development. A collaboration between the City of San Antonio and local CDFI LiftFund, this program offers mentorship, networking opportunities, and business education. What’s more, LaunchSA also offers ImpulSA for Spanish-speaking entrepreneurs.


Geekdom is a unique coworking space that offers entrepreneurial support via workshops and mentorship. Their website states that included amenities are meeting rooms, commons areas, and a full-time staffed location (plus free premium coffee).


As mentioned above, LiftFund is a Community Development Financial Institution (CDFI) located in San Antonio. The company provides loans to both microbusinesses and small businesses alike, aiming to level the playing field for business capital in the area. Loan options include SBA microloans, EDA loans, and SBA 504 loans (among others).

MBDA Business Center San Antonio

The MBDA Business Center is operated out of the University of Texas at San Antonio, offering entrepreneurial guidance in the areas of funding, business development, and planning. The organization focuses primarily on growing developed, minority-owned businesses, also providing valuable consultation services for little to no cost.

  • 501 W. Cesar E Chavez Blvd. Suite 3.324B, San Antonio, TX 78207-4415
  • 210-458-2480

Local Insurance Agents in San Antonio, TX

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

San Antonio Insurance Agency

  • Google Rating: 4.8/5
  • 2819 Old Moss Rd., San Antonio, TX 7821
  • Monday–Friday, 9:00 a.m.–5:30 p.m. CT
  • 210-822-2590

Eastar Business Insurance

  • Google Rating: 5/5
  • 8546 Broadway St. Suite 145, San Antonio, TX
  • Monday–Friday, 9:00 a.m.–9:00 p.m. CT
  • 210-775-1242

J.R. Carnahan Insurance

  • Google Rating: 5/5
  • 601 Embassy Oaks #101, San Antonio, TX
  • Monday–Friday, 8:00 a.m.–5:00 p.m. CT
  • 210-587-6968

Business Insurance Services of Texas

  • Google Rating: 5/5
  • 13300 Old Blanco Rd. Suite 100, San Antonio, TX 78216
  • Monday–Friday, 9:00 a.m.–5:00 p.m. CT
  • 210-661-3700

Wyant Insurance Agency

  • Google Rating: 5/5
  • 11214 Eagle Tree, San Antonio, TX 78245
  • Monday–Friday, 9:00 a.m.–5:30 p.m. CT
  • 210-374-4001

The PEO Link

  • Google Rating: 5/5
  • 15900 La Cantera Pkwy. Ste. 20251, San Antonio, TX 78256
  • Monday–Friday, 9:00 a.m.–5:00 p.m. CT
  • 210-776-7710

David Ison Insurance

  • Google Rating: 5/5
  • 1383 E. Bitters Rd., San Antonio, TX 78216
  • Monday–Friday, 8:30 a.m.–5:00 p.m. CT
  • 210-490-1494