Core coverages in this program
- •General Liability & Property
- •Directors & Officers Liability
- •Employment Practices Liability (EPLI)
- •Abuse & Molestation Liability
- •Workers' Compensation & Volunteer Accident
- •Hired & Non-Owned Auto / Social Service Auto
- •Professional Liability for counseling and case management
Texas requirements for nonprofit businesses
Texas nonprofits register with the Secretary of State and are exempt from most charitable-solicitation registration, though public-safety and veterans solicitation is regulated. Texas comp is optional but grantors and facility contracts typically require it.
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 nonprofit payroll typically rates at $0.60 to $3.50 per $100 of payroll depending on whether programs are clerical, residential, or field-based. 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 |
|---|---|---|
| General Liability | $1M/$2M, program and event exposure | $700 – $2,700 |
| Directors & Officers | Nonprofit D&O with EPLI | $1,000 – $4,250 |
| Abuse & Molestation | Youth or vulnerable-population programs | $750 – $3,850 |
| Property & Contents | Office, program space, equipment | $600 – $2,550 |
| Hired & Non-Owned Auto | Staff and volunteer driving | $450 – $1,550 |
The Texas angle most brokers miss
Texas grantors increasingly require abuse and molestation coverage even for programs with no direct youth contact. Reading the grant agreement before renewal avoids a mid-year scramble.
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.
- •Board and management decisions challenged by donors or regulators
- •Employment claims from staff and terminated volunteers
- •Abuse allegations in youth or vulnerable-population programs
- •Volunteer driving accidents in personal vehicles
- •Event and fundraiser liability at third-party venues
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.