Core coverages in this program
- •Technology Errors & Omissions
- •Cyber Liability & Data Breach Response
- •General Liability / Business Owner's Policy
- •Directors & Officers (venture-backed companies)
- •Employment Practices Liability (EPLI)
- •Workers' Compensation
Texas requirements for technology company businesses
Texas has no tech-specific licensing, but the Texas Data Privacy and Security Act now applies to companies handling Texas consumer data, and the Attorney General has been active in enforcement. Enterprise procurement in Austin and Dallas commonly asks for $2M–$5M combined tech E&O and cyber.
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 technology company payroll typically rates at $0.15 to $0.60 per $100 of payroll for software 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 |
|---|---|---|
| Tech E&O + Cyber | Combined $1M/$1M, under $5M ARR | $1,550 – $6,400 |
| Cyber Liability standalone | Breach response, extortion, BI | $750 – $3,850 |
| Business Owner's Policy | Office, laptops, premises GL | $500 – $1,850 |
| Directors & Officers | Seed to Series B private D&O | $3,000 – $12,750 |
| EPLI | Hiring and termination defense | $1,000 – $3,850 |
The Texas angle most brokers miss
Texas enterprise procurement checks vendor insurance before security review. Having the certificate and the right limits ready shortens the sales cycle measurably.
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.
- •Customer claims that your software failed or caused loss
- •Data breach exposing customer records
- •Ransomware halting your platform and triggering SLA credits
- •Investor and board claims after a down round or wind-down
- •IP infringement allegations over code, content, or trademarks
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.