Business Insurance in San Antonio, TX

Simplifying Coverage for Businesses of All Sizes

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Secure the Best Insurance Rates for Your Business

No matter the size or scope of your business, having the right insurance matters. SOGO Insurance helps San Antonio companies—from single-person contractors to large corporations—find commercial coverage that fits their needs and budget. We simplify the process of comparing providers, understanding requirements, and securing policies that protect your business, your team, and your future.

Coverage Options for Texas Businesses—from Startups to Corporations

Getting the right commercial coverage doesn’t have to mean juggling quotes or second-guessing your options. At SOGO Insurance, we compare plans across multiple top-rated Texas carriers to help you secure cost-effective business insurance without wasting time. You won’t have to navigate confusing policy language or negotiate with multiple brokers—we handle the details with your best interest in mind.

Types of Business Insurance We Offer

Whether you’re a new business owner or managing operations at scale, our team helps simplify the process. Need to work with a bilingual broker? Just let us know.

We know that you cannot outrun your risk, but you can be ready for it. What if a hurricane causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right protection, you won’t have to. Our insurance advisors can help you identify gaps in coverage, look for ways to save money and keep your assets and income protected.

Business Owners Insurance (BOP)

A business owners policy combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.

General Liability Insurance

No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.

Business Auto Insurance

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.

Commercial Property Insurance

Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.

Workers’ Compensation Insurance

Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.

Commercial Umbrella Insurance

Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.

Cyber Liability Insurance

Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.

Employment Practice Liability Insurance (EPLI)

As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.

Errors & Omissions Liability Insurance (E&O)

Errors & omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.

Directors & Officers Liability Insurance (D&O)

Directors & officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.

Flood Insurance

At least 25 percent of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.

Crime Insurance

Every company, regardless of size, is a potential target for white collar crime. We’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.

Builders Risk Insurance

Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, theft and more.

Special Event Insurance

The stress and cost of organizing a special event is tough enough. The last thing you need to worry about is the financial risk you could face if something were to go wrong! Special event insurance removes this burden and allows you to focus on the event.

Risk Management

No matter the industry, every growing business needs to review their risk management plan to make sure they can overcome anything that might come their way.

Inland Marine Insurance

Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.

Systems Breakdown Insurance

Systems breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. We’ll design comprehensive coverage to protect your business against a financial disaster.

Key Person Life Insurance

Key man life insurance or Key-person life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure continuity of your business for employees, customers and creditors.

Fiduciary Liability Insurance

Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mismanagement of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled responsibly and your trustees are protected.

Frequently Asked Questions

Business insurance costs in San Antonio depend on several factors, including your industry, number of employees, location, and the type of coverage you need. Instead of offering a flat rate, providers assess risk levels to generate quotes based on your business profile. SOGO Insurance helps you compare business insurance quotes from multiple carriers so you can understand your options and find the right level of protection—without overpaying.

The type of coverage you need depends on your operations. Most Texas businesses start with general liability insurance. If you have employees, workers’ compensation may be necessary. Other policies—like commercial auto, property, or professional liability—may also be relevant. We help assess your needs and identify the appropriate protection.

Yes. Even small operations benefit from coverage that protects against third-party claims or property damage. Whether you’re self-employed or growing a team, our advisors will walk you through your options and help you find a policy that fits your business’s size and goals.

Absolutely. SOGO Insurance simplifies the quote process by comparing multiple providers on your behalf. That means less time shopping around and more confidence that you’re getting the right coverage at a competitive rate.

General liability typically covers third-party bodily injury, property damage, and personal injury (like slander or advertising issues). It’s considered essential for most businesses across Texas, whether you operate a storefront or offer professional services.

Finding affordable coverage starts with comparing providers. We have access to exclusive rates and a wide network of commercial insurers. Our focus is helping you secure business protection that meets your needs—not selling add-ons you don’t.

An insurance company sells only its own policies. A broker, like SOGO Insurance, compares coverage from multiple carriers and works in your best interest. That usually means more choice, better pricing, and coverage that’s aligned with your goals—not just theirs.

Not all businesses are required by law to carry commercial insurance, but many industries do have mandates. For example, commercial auto insurance is required for business-owned vehicles, and workers’ comp may be needed in some sectors. Having proper coverage also helps reduce liability and protect long-term operations.