(325) 625-4126
Countywide Insurance Agency

Business Insurance

Business Insurance for Central Texas

Commercial property, workers comp, liability, and more — comprehensive coverage for businesses of all sizes in Coleman and surrounding areas.

Call (325) 625-4126
  • Licensed in Texas
  • Independent Agent
  • Multiple Carriers
  • Local Office — Coleman, TX
  • No 800 Numbers — Real People Answer
  • Mon – Fri, 8:30 AM – 5:00 PM

Carriers & Credentials

Allstate
Dairyland Insurance
Foremost Insurance Group
Hochheim Prairie Insurance
Kemper Insurance Companies
Mercury Insurance Group — Authorized Agent
Independent Insurance Agent

Running a business in central Texas comes with its own set of risks. At Countywide Insurance Agency in Coleman, TX, we work with small businesses, contractors, retailers, agricultural operations, and more to put together the right commercial coverage. As an independent agency, we compare multiple carriers on your behalf to find the best combination of coverage and price — so you can focus on running your business.

What's Covered

Commercial Property Insurance

Covers your business building, equipment, inventory, and fixtures against fire, theft, vandalism, and other covered perils — keeping your operations protected.

Workers Compensation

Provides wage replacement and medical benefits for employees injured on the job. Required for most Texas businesses with employees and essential for protecting your workforce.

Commercial General Liability

Protects your business against third-party claims of bodily injury or property damage arising from your operations, products, or completed work.

Business Owners Policy (BOP)

A bundled policy combining property, liability, and business interruption coverage — an efficient and cost-effective solution for most small to mid-size businesses.

Commercial Auto

Coverage for business-owned trucks, vans, trailers, and specialty vehicles used in your commercial operations throughout central Texas.

Business Interruption

Replaces lost income and covers ongoing expenses if your business is forced to temporarily close or reduce operations due to a covered loss.

Employee Benefits

Group health, dental, vision, and life insurance options to help attract and retain employees for your central Texas business.

Farm & Ranch Insurance

Specialized coverage for agricultural operations including farm dwellings, outbuildings, equipment, livestock, and farm liability — tailored to central Texas ranchers and farmers.

Professional Liability

Also known as Errors & Omissions (E&O), this coverage protects businesses that provide professional services or advice against claims of negligence or inadequate work.

Protecting Central Texas Businesses

  • 1We are an independent agency — we compare multiple carriers to find the right coverage at a competitive price
  • 2Business insurance can be complex; we explain your options clearly so you know what you are buying
  • 3Workers compensation is required by Texas law for most businesses with employees — we make compliance straightforward
  • 4Serving Coleman, Cross Plains, Santa Anna, Brady, Comanche, Brownwood, and all surrounding communities
  • 5Agricultural and farm businesses have unique insurance needs that standard business policies may not address — we can help
  • 6One agency for all your coverage needs — personal, auto, commercial, and agricultural

Frequently Asked Questions

What business insurance do I need in Texas?

Most businesses need at minimum commercial general liability insurance. If you have employees, workers compensation is required by Texas law for most employers. If you own a building or business property, commercial property insurance protects those assets. A Business Owners Policy (BOP) is often the most efficient starting point for small businesses, as it bundles property and liability together.

Is workers compensation required in Texas?

Texas is the only state that does not mandate workers compensation for most private employers, but it is strongly recommended. Businesses that do not carry workers comp are called 'non-subscribers' and are exposed to employee injury lawsuits without the usual legal protections. Many larger clients and contracts require your business to carry it.

Does my homeowners policy cover my home-based business?

No. A standard homeowners policy typically excludes business property and liability. If you operate a business from your home — even part time — you need separate commercial coverage to protect your business assets and operations.

Do you cover farms and ranches under business insurance?

Yes. Agricultural operations are a major part of the central Texas economy. We offer farm and ranch insurance that covers farm dwellings, barns, equipment, livestock, and agricultural liability. Call our Coleman office at 325-625-4126 to discuss your operation.

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Ready to Get Covered?

Call our Coleman, TX office today. Our local agents are ready to find the right coverage for you.

(325) 625-4126Contact Us