Core coverages in this program
- •Professional Liability / Errors & Omissions
- •Cyber Liability & Privacy
- •General Liability or Business Owner's Policy
- •Workers' Compensation
- •Employment Practices Liability (EPLI)
- •Directors & Officers (for funded or board-governed firms)
Texas requirements for professional services businesses
Texas licenses engineering (TBPELS), accounting (TSBPA), and other regulated professions, and Texas engineering firms must register as a firm. Most professional liability requirements in Texas come from client MSAs — $1M/$1M is standard, $2M–$5M for enterprise and government clients.
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 professional services payroll typically rates at $0.20 to $0.75 per $100 of payroll for clerical and professional office 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, firm under $2M revenue | $1,000 – $3,850 |
| Cyber Liability | Client data, funds transfer fraud | $600 – $2,400 |
| Business Owner's Policy | Office space, equipment, premises GL | $500 – $1,850 |
| EPLI | Hiring, termination, harassment defense | $750 – $2,700 |
| Directors & Officers | Private company D&O | $1,300 – $5,100 |
The Texas angle most brokers miss
Texas enterprise MSAs often require the E&O retro date to predate the engagement. Switching carriers without preserving prior acts is how firms accidentally void years of coverage.
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 claims of negligent advice or missed deliverables
- •Funds-transfer fraud through spoofed client email
- •Breach of confidential client data
- •Contractual indemnity assumed in a master services agreement
- •Wrongful termination and misclassification claims
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.