Small & Emerging Business Insurance
Starter-friendly coverage for new ventures
Launching a shop, studio, or service company? Alcorn Insurance Texas designs small business insurance in Georgetown, TX that gets you lease-ready and bid-ready—without bloated premiums. We size coverage to day-one risks and add what you need as revenue, staff, and equipment grow.
What your policy can cover
Business Owner’s Policy (BOP)
Property + GL in one package; ideal for retail, office, and makers.
Commercial property
Tenant improvements, tools, inventory, and signs.
Hired/non-owned auto
Liability when owners or staff use personal vehicles for business errands.
Professional liability
Entry-level E&O for advice or design-driven work.
Equipment breakdown
Covers electrical/mechanical failures not handled by standard property forms.
General liability
Slip-and-fall, property damage, and advertising injury protection for your first contracts.
Workers’ compensation
Add when you hire your first W-2s to protect employees and the business.
Cyber starter
Breach response and basic liability for card data and emails.
Business interruption
Income and expenses after a covered loss; keeps cash flow moving.
Local insight
Launch-ready for Georgetown startups
From pop-ups near the Georgetown Square to shared kitchens and studios off Williams Drive, we map insurance to landlord riders and client requirements. We’ll explain when a BOP is enough and where add-ons help, then connect general liability insurance, workers’ comp insurance, and commercial insurance as you scale.
Small business insurance FAQs
What coverage do I need to open doors?
Most landlords require GL with specific limits and to be named as additional insured. A BOP often meets the requirement.
Can I start with a BOP and add later?
Yes. Begin with property + GL, then add WC, auto, cyber, or umbrella as operations grow.
Do I need workers’ comp if I use contractors?
Texas doesn’t require WC for all employers, but some clients do. Independent contractors should carry their own insurance; we’ll set certificate standards.
How fast can I get a certificate for a new contract?
Quickly. We issue COIs with required endorsements so you can sign and start.
What’s the best way to keep premiums manageable?
Choose sensible deductibles, bundle policies with one carrier, and review limits at each milestone—new lease, vehicle, or hire.
