Evans, Ewan & Brady follows the Insurance Information Institute’s recommendation for four main types of insurance for small business owners. Those are: property insurance, protecting against losses from damage such as fire or theft; liability insurance for injury or hazard that results from products, services or workplace conditions; business auto insurance; and workers compensation insurance. Businesses in Texas are not required to carry a workers compensation insurance policy, known as “workers comp.” In Texas, businesses can opt out of workers comp, which generally pays for medical care and lost wages for an employee injured or worse on the job.

Source: http://www.iii.org/articles/small-business-insurance-basics.html
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