Commercial Insurance in Texas

Texas is the only state in the country where most private employers can legally opt out of workers' compensation insurance. That flexibility sounds appealing, but it comes with a trade-off: employers who skip coverage, known as non-subscribers, lose key legal protections and can be sued directly by an injured employee. Whether you carry workers' comp or not is a real business decision, and it is exactly the kind of decision Akoya helps Bedford business owners work through.

Coverage Built Around Your Business

Every business carries different risks, so commercial insurance is rarely one-size-fits-all. Depending on how your business operates, your policy may include:

General liability, covering third-party bodily injury, property damage, and advertising claims
Commercial property, protecting your building, equipment, and inventory
Commercial auto, for vehicles used to make deliveries or travel between job sites
Workers' compensation, covering medical costs and lost wages after a workplace injury
Professional liability, for businesses that provide advice or services
A business owners policy (BOP), bundling liability and property coverage at a lower rate

Access to Specialty and Excess Markets

Some businesses do not fit neatly into a standard policy, whether due to industry, claims history, or size. As an independent agency with direct appointments across more than 50 A-rated carriers plus specialty and excess markets, Akoya can typically find coverage even for harder to place risks that a single-carrier agent would have to turn away.