--- title: Why is Business Insurance Tougher to Get in Texas Now? description: Why Texas business insurance is harder to get. Extreme weather, litigation trends and market conditions driving coverage challenges. image: https://blog.dspins.com/hubfs/AdobeStock_1025377646.jpeg --- [![DSP Insurance Services](https://blog.dspins.com/hs-fs/hubfs/raw_assets/public/Dsp_November2023/images/DSP-Logo-500.png?width=500&height=382&name=DSP-Logo-500.png "DSP Insurance Services")](https://www.dspins.com/) - [Insurance Solutions](https://www.dspins.com/insurance-solutions/) - [Business Insurance](https://www.dspins.com/business-insurance/) - [Workers’ Compensation](https://www.dspins.com/business-insurance/workers-compensation-insurance/) - [Directors and Officers Liability](https://www.dspins.com/business-insurance/directors-and-officers-liability-insurance/) - [Employment Practice Liability](https://www.dspins.com/business-insurance/employment-practice-liability-insurance/) - [See All](https://www.dspins.com/business-insurance/) - [Employee Benefits](https://www.dspins.com/employee-benefits/) - [Group Health](https://www.dspins.com/employee-benefits/group-health-insurance/) - [Group Dental](https://www.dspins.com/employee-benefits/group-dental-insurance/) - [Group Vision](https://www.dspins.com/employee-benefits/group-vision-insurance/) - [See All](https://www.dspins.com/employee-benefits/) - [Insurance by Industry](https://www.dspins.com/business-insurance/insurance-by-industry/) - [Contractor](https://www.dspins.com/business-insurance/insurance-by-industry/contractor-insurance/) - [Manufacturer](https://www.dspins.com/business-insurance/insurance-by-industry/manufacturer-insurance/) - [Financial Institution](https://www.dspins.com/business-insurance/insurance-by-industry/financial-institution-insurance/) - [See All](https://www.dspins.com/business-insurance/insurance-by-industry/) - [Personal Insurance](https://www.dspins.com/personal-insurance/) - [Home](https://www.dspins.com/personal-insurance/home-insurance/) - [Auto](https://www.dspins.com/personal-insurance/auto-insurance/) - [Umbrella](https://www.dspins.com/personal-insurance/umbrella-insurance/) - [See All](https://www.dspins.com/personal-insurance/) - [Safety Consulting](https://www.dspins.com/safety-consulting/) - [Service Center](https://www.dspins.com/service-center/) - [Explore Policy Options](https://www.dspins.com/service-center/) - [Report a Claim](https://www.dspins.com/service-center/report-a-claim/) - [Request Auto ID Card](https://www.dspins.com/service-center/request-auto-id-card/) - [Request a Certificate](https://www.dspins.com/service-center/request-certificate/) - [Request a Bond](https://www.dspins.com/service-center/report-a-claim/) - [Policy Review](https://www.dspins.com/service-center/policy-review/) - [Request Policy Change](https://www.dspins.com/service-center/request-policy-change/) - [Client Login](https://www.dspins.com/service-center/#client-login) - [Custom Insurance Benchmarking](https://www.dspins.com/custom-insurance-benchmarking/) - [About](https://www.dspins.com/service-center/) - [About Our Agency](https://blog.dspins.com/About%20Our%20Agency) - [Agency News](https://www.dspins.com/blog/category/agency-news/) - [Meet Our Team](https://www.dspins.com/about-our-agency/meet-our-team/) - [Read Our Reviews](https://www.dspins.com/about-our-agency/read-our-reviews/) - [We Are Independent](https://www.dspins.com/about-our-agency/we-are-independent/) - [Community Involvement](https://www.dspins.com/about-our-agency/community-involvement/) - [Join Our Team](https://www.dspins.com/about-our-agency/join-our-team/) - [Learn About Our Agency](https://www.dspins.com/about-our-agency/) - Media - [Blog](https://blog.dspins.com/) - [Podcast](https://www.dspins.com/podcast/) - [Events](https://info.dspins.com/events) - [Contact](https://www.dspins.com/contact/) - [Schaumburg, IL Office](https://www.dspins.com/contact/schaumburg-il-insurance/) - [1900 E. 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Golf Road Suite 650 Schaumburg, IL 60173](https://www.dspins.com/contact/schaumburg-il-insurance/) - [847-934-6100](tel:847-934-6100) - [info@dspins.com](https://blog.dspins.com/info@dspins.com) - [Review Us](https://www.dspins.com/contact/review-us/) - [Refer Us](https://www.dspins.com/contact/refer-us/) - [Contact](https://www.dspins.com/contact/) - [847-934-6100](tel:847-934-6100) - [Request Quote](https://www.dspins.com/request-quote/) - - [Mike Pohl](https://blog.dspins.com/author/mike-pohl) [Business Insurance](https://blog.dspins.com/tag/business-insurance), [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) 1 Minutes ## Why is Business Insurance Tougher to Get in Texas Now? ![Why is Business Insurance Tougher to Get in Texas Now?](https://blog.dspins.com/hubfs/AdobeStock_1025377646.jpeg "Why is Business Insurance Tougher to Get in Texas Now?") Why is Business Insurance Tougher to Get in Texas Now? 2:30   When it comes to business insurance in Texas, it’s definitely gotten tougher, especially for certain industries and locations. Carriers are tightening their underwriting, rates are rising, and some coverage lines are getting harder to secure altogether. **What's Making Business Insurance Harder to Get in Texas?** Weather-driven claims Frequent hurricanes, hailstorms, and extreme heat have made Texas one of the most disaster-prone states. Commercial property carriers are responding by: \- Pulling back in high-risk areas \- Increasing deductibles for wind/hail \- Requiring more documentation or inspections \- Sometimes declining to quote at all Fewer carriers, less competition Some major insurers have reduced their appetite for commercial risks in Texas, particularly for: \- Construction \- Hospitality \- Real estate/lessors risk \- Coastal properties This has shrunk the market and given the remaining carriers more pricing power. Skyrocketing premiums Rates are climbing across almost every line, especially commercial property, liability, auto, and umbrella. If your loss history isn’t clean or if you operate in a high-risk class, expect double-digit increases or stricter terms. Legal environment Texas has a reputation for high litigation frequency and big verdicts (especially in auto and general liability claims). This has caused umbrella and excess liability markets to recoil or raise rates sharply. Surplus lines growth Many businesses are being pushed into the excess & surplus market, especially for property and high-limit liability. These carriers aren’t admitted in Texas and may offer less flexible terms, but they’re increasingly the only option. **What Can Businesses Do?** \- Work with an independent agent or broker who can access a wide range of markets (not just direct writers). \- Get ahead of your renewal - start marketing your policy 90+ days out, especially if you’ve had claims or operate in a tough class. \- Invest in risk management- carriers reward businesses that can demonstrate loss control, especially in safety, cybersecurity, and fleet management. Yes, getting business insurance in Texas is harder than it used to be, especially for property-heavy, high-risk, or coastal operations. But with the right strategy, proactive planning, and a knowledgeable partner, it’s still very possible to secure solid protection at competitive rates. **Need help navigating the changing insurance landscape in Texas?** [Let’s talk](https://www.dspins.com/contact/)about your options. --- #### Tag: [Business Insurance](https://blog.dspins.com/tag/business-insurance) [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) #### Share: - [Follow us on Linkedin](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.dspins.com/why-is-business-insurance-tougher-to-get-in-texas-now) - [Follow us on Mail](mailto:?subject=Why%20is%20Business%20Insurance%20Tougher%20to%20Get%20in%20Texas%20Now?%20&%20body=https://blog.dspins.com/why-is-business-insurance-tougher-to-get-in-texas-now) - Follow us on Copy Copied to clipboard --- --- ## Related Posts [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) [Mike Pohl](https://blog.dspins.com/author/mike-pohl) 09 April, 2026 #### [Captive Insurance: The Strategy Most Business Owners Never Question](https://blog.dspins.com/captive-insurance-the-strategy-most-business-owners-never-question) Here's something that stops me mid-conversation every time I bring it up with a business owner: If… [Read More](https://blog.dspins.com/captive-insurance-the-strategy-most-business-owners-never-question) [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) [Mike Pohl](https://blog.dspins.com/author/mike-pohl) 25 February, 2026 #### [Are You Confident Your Insurance Program Is Competitively Positioned?](https://blog.dspins.com/are-you-confident-your-insurance-program-is-competitively-positioned) Most businesses renew their insurance program the same way each year. Meet with their broker.… [Read More](https://blog.dspins.com/are-you-confident-your-insurance-program-is-competitively-positioned) [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) [Desiree Morris](https://blog.dspins.com/author/desiree-morris) 19 November, 2025 #### [Business Insurance and Government Shutdowns: What Businesses Need to Know](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know) The recent federal government shutdown, the longest in U.S. history, put millions of Americans… [Read More](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know) - Insurance Solutions - [Business Insurance](https://www.dspins.com/business-insurance/) - [Insurance by Industry](https://www.dspins.com/business-insurance/insurance-by-industry/) - [Employee Benefits](https://www.dspins.com/employee-benefits/) - [Personal Insurance](https://www.dspins.com/personal-insurance/) - [Explore Interactive Graphics](https://www.dspins.com/clickable-coverage/) - [Safety Consulting](https://www.dspins.com/safety-consulting/) - [Custom Insurance Benchmarking](https://www.dspins.com/custom-insurance-benchmarking/) - About DSP Insurance Services - [About Our Agency](https://www.dspins.com/about-our-agency/) - [Meet Our Team](https://www.dspins.com/about-our-agency/meet-our-team/) - [Read Our Reviews](https://www.dspins.com/about-our-agency/read-our-reviews/) - [We Are Independent](https://www.dspins.com/about-our-agency/we-are-independent/) - [Join Our Team](https://www.dspins.com/about-our-agency/join-our-team/) - [Blog](https://www.dspins.com/blog/) - Get Help - [Report a Claim](https://www.dspins.com/service-center/report-a-claim/) - [Request Auto ID Card](https://www.dspins.com/service-center/request-auto-id-card/) - [Request a Certificate](https://www.dspins.com/service-center/request-certificate/) - [Request a Bond](https://www.dspins.com/service-center/request-a-bond/) - [Policy Review](https://www.dspins.com/service-center/policy-review/) - [Request Policy Change](https://www.dspins.com/service-center/request-policy-change/) - [Client Login](https://www.dspins.com/service-center/#client-login) ###### Contact Us 1900 E. 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