Core coverages in this program
- •Errors & Omissions (professional liability)
- •Cyber Liability
- •General Liability (for client site visits and events)
- •Workers' Compensation (once you have W-2 staff)
- •Hired & Non-Owned Auto
- •Technology E&O for implementation work
Texas requirements for consultant businesses
Texas consulting is largely unlicensed, with entity registration through the Secretary of State and franchise-tax reporting through the Comptroller. Client MSAs are the real requirement layer — $1M/$1M E&O plus $1M cyber is the common enterprise threshold.
Workers' compensation in Texas
Texas is the only state where private workers' compensation is optional. Going bare as a 'non-subscriber' removes the exclusive-remedy protection, which is why nearly every general contractor, landlord, and municipality requires subscription anyway. Rates are developed through TDI-approved carriers using NCCI class codes, and consultant payroll typically rates at $0.20 to $0.60 per $100 of payroll for consulting and clerical class codes. Non-subscriber status must be reported to the Texas Department of Insurance annually and posted for employees. Most contracts override the choice — read the insurance exhibit before deciding to opt out.
What Texas operators actually pay in 2026
The ranges below reflect what KTL clients in Texas pay today for a small-to-midsize operation, adjusted for Texas rating. Your actual premium turns on payroll, revenue, loss history, and — more than anything — whether the risk was classified correctly to begin with.
| Coverage | What it covers | Typical TX annual cost |
|---|---|---|
| Errors & Omissions | $1M/$1M, solo to 5-person practice | $750 – $2,700 |
| Cyber Liability | Client data and email fraud | $500 – $1,850 |
| General Liability | $1M/$2M, client site access | $400 – $1,200 |
| Combined E&O + Cyber | Packaged for small consultancies | $1,100 – $3,550 |
| Hired & Non-Owned Auto | Client travel in personal vehicles | $300 – $950 |
The Texas angle most brokers miss
Texas enterprise procurement teams check retro dates and additional-insured status closely. A cheaper policy that fails the vendor review costs the engagement.
Exposures we underwrite for Texas accounts
Every submission we send out is built around the specific ways businesses in this class actually have claims. That is what separates a benchmarked program from a rate quote.
- •Client claiming your recommendation caused financial loss
- •Scope disputes on fixed-fee engagements
- •Wire fraud triggered by a spoofed invoice
- •Confidential client information exposed through a personal device
- •Contractual limits in an MSA exceeding your current policy
Where we write in Texas
We serve Texas clients remotely by phone, email, and video — no office visit required — with concentrations in Houston, Dallas–Fort Worth, Austin, San Antonio, El Paso. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.