720-791-2700
720-791-2700
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Specialized commercial risk placement for Texas fleet operators, trucking companies, contractors, and mid-size businesses — including admitted and E&S market access for complex risks.
Texas has one of the most distinctive commercial insurance environments in the United States. The state's regulatory approach gives businesses more flexibility than most states — but that flexibility comes with risks that are easy to underestimate. Crawford-Hill places commercial insurance for Texas-based operations and for businesses headquartered in other states with Texas operations, vehicles, or job sites.
Texas metro areas served: Dallas · Fort Worth · Frisco · Forney · Arlington · Plano · McKinney · Allen · Austin · San Antonio · Houston
Workers' Compensation — Texas Is the Exception: Texas is the only state where workers' compensation is not mandatory for most private employers. However, non-subscribers lose critical legal defenses and injured workers can sue directly for full damages including pain and suffering. Most middle-market Texas businesses carry workers' comp because contracts, clients, and government work require it.
Commercial Fleet and Motor Carrier Requirements: Texas operates a tiered coverage system: standard business vehicles require 30/60/25 minimums; TxDMV-registered motor carriers require $500,000 CSL; interstate operators require $750,000 to $5 million CSL depending on cargo type; hazardous materials carriers require up to $5 million CSL.
⚠ Mexico Border Exposure: Texas commercial auto policies provide zero coverage once a vehicle crosses into Mexico. Carriers operating through El Paso, Laredo, McAllen, or Brownsville must purchase a separate Mexican liability policy. Crawford-Hill can coordinate this coverage as part of a Texas fleet program.
Contractor Insurance Requirements: Licensed plumbers must carry at least $300,000 in general liability under Texas Occupations Code. Contractors on government projects must carry workers' compensation regardless of the general non-subscriber rule.
2025–2026 Texas Legislative Changes: Surplus lines arbitration for Texas-located risks must now be conducted in Texas under Texas law (SB 455, effective January 2026). Crawford-Hill monitors TDI regulatory changes and advises clients on how new requirements affect their programs at renewal.
Crawford-Hill Insurance Agency is licensed in Texas and places commercial coverage for Texas-based operations and out-of-state businesses with Texas exposure.
Call: 720-791-2700 · Email: solutions@crawford-hillinsurance.com · Get a Free Commercial Coverage Review · Request a Quote
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