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Elmer Said:

PLEASE RESPOND: What is the cost of a cleaning Business license plus Insurance in Texas?

We Answered:

Here in Houston, you don't need a "license" to clean houses with no employees. You don't need workers comp. The liability will cost you around $1200 a year, and you have to pay it in full.

Most people cleaning houses by themselves, do it "under the table" with no insurance.

Willard Said:

Im starting a business in Texas. How do I avoid workers comp insurance?

We Answered:

Is it just the three of you; and if so, why do you have a problem with a partnership? If you have other employees, you definitely want the workers comp. It's not cheap, but in Texas, having workers comp in place protects you from virtually all liability regarding workplace injuries. It's well worth it.

Tonya Said:

Do small business' have to carry insurance in Texas?

We Answered:

Depends on the type of business you will be conducting. Many times, if you are leasing a place for your business, the landlord will require liability insurance in case one of your customer/clients has an accident on the property.

I would contact your local SBA and Economic Development office, they should be able to answer this specifically for you, or try the Texas Secretary of State

Darryl Said:

Can I purchase BCBS group health insurance in the state of TEXAS?

We Answered:

General Research Guides for health:

Easy to use links that will help with all your research needs, try typing a keyword or two into the search engine and see what happens.
%http://www.healthalizer.com% is a health related search engine and %http://www.searchtopica.com% is a general search engine that relays results from all other search engines. You can find way better information by searching this way. Hope it helps :)

Katie Said:

what do you need to start a housecleaning business in texas?

We Answered:

Use this basic checklist to make sure all the important steps are taken before you launch your new venture. This business checklist will make sure that you cross all your t's and dot all your i's before your business launch.

Steps to Starting a Business -
http://www.developer-resource.com/starti…

Other sites you might find helpful are:
SBA - http://www.sba.gov/
SCORE - http://www.score.org
Small Business Resource - http://www.small-business-software.net
Business Link - http://www.businesslink.gov.uk/bdotg/act…

Goodluck!

Randy Said:

Is Texas Windstorm Insurance ***. the only place to get windstorm insurance for a business?

We Answered:

If you want wind coverage, and you're near the water, then yes, Texas Windstorm is the only place to get coverage.

Go talk to a local agent. The REASON why the rates are so high, is because it's really, really high risk. The reason why they have a monopoly on it, is NO ONE ELSE WANTS TO WRITE IT. When you DO find someone else to write it, it's NOT going to be an admitted carrier, and it's likely going to be MUCH more expensive than Texas Windstorm. They aren't a real insurance company, you know, it's a GOVERNMENT insurance program, that steps in when no one else wants to write the coverage.

Yes, there are other options. DIC coverage comes immediately to mind - but that doesn't mean it's going to be CHEAPER.

Part of buying this business, should be sitting down and talking to the existing agent, and talking to your OWN agent, about coverage options. If you don't want insurance for wind, you can probably not insure ANY of the buildings for property coverage. Wind is your most likely peril of loss, except for flood, here in Texas. Oh, and flood is a seperate policy, too.

Nina Said:

what kind of insurance does a texas C-Corp need in order to open a business?

We Answered:

mbrcatz17 has you on the right track; however, she is incorrect regarding Workers' Comp in TX. Workers' Comp is voluntary in TX. With that being said, I highly recommend you purchase it especially given the recent changes to the system (HB7).

General Liability, Workers' Comp., Property (if you own a building, have your property in a leased building, or make improvements to a leased building), and Business Auto is the bare minimum. It depends on your situation (e.g., the type of products you manufacture, how are they distributed, etc.) and what you're trying to achieve. I recommend you contact a local independent insurance agent and talk to them about what's best for you.

Good luck with your new venture.