Texas Business Insurance

Our country was built on the concept of hard work, and the millions of businesses in the U.S. today show that the American Dream is still alive and well. While businesses can vary greatly by industry and size, they all have one main thing in common: they need to be protected.


Too much time, money, and blood, sweat, and tears go into running a successful enterprise — whether it’s a large regional corporation or an up-and-coming small business. Business insurance is essential to protect your investment and allow you to worry about more important things — like running your business and helping it grow.


At BKCW, we have extensive experience in Texas business insurance planning for a wide range of industries and operations. We aren’t just going to write you a one-size-fits-all business owner’s policy (BOP) and send you on your way. BKCW’s first order of business is conducting a risk management audit, in which we get to know you, your business, your goals, and potential risks that may be affecting your company. We figure out ways to reduce or eliminate that risk so we can design a policy that fits your business’ unique needs. Often, we are able to negotiate a lower rate with carriers because of our commitment to proper risk management — which works out well for you and your bottom line.


Types of Texas Business Insurance We Provide

A BOP may be enough to cover you, but we could also recommend other types of commercial insurance to create a more robust portfolio. Those types of coverage may include:


  • Commercial property: General property insurance covers damages to your business property, including buildings and most of the items inside of those buildings.
  • Commercial auto: This protects damage done by or caused to vehicles used for business purposes, including owned and leased autos, vans, and trucks.
  • General liability: If someone outside of your company is injured, and you are responsible, liability insurance helps cover any related damages.
  • Workers’ compensation: This coverage provides medical benefits and lost-wage reimbursement to an employee injured on the job, protecting you from extensive damages.
  • Group plans and other employee benefits: We will help you design group health, life, dental, disability, cancer plans, and ancillary benefits, important to employee welfare and productivity.


Our goal is to take full stock of your risks and prepare a complete Texas business insurance package proposal that will include basic property and casualty insurance, as well as optional coverage such as business interruption coverage.


From “mom and pop” businesses to national restaurant chains and various businesses in the hospitality industry, BKCW covers all types of businesses — including yours. Contact our team in Killeen or Austin today to learn more about our Texas business insurance offerings and to get additional information by calling 512-250-5055.

How We Help

BKCW cuts to the heart of the matter by listening to what your business needs and making sure your investment is fully and properly insured.

Business Risk Management Audit

BKCW conducts a unique diagnostic process through which we identify, measure, and prioritize our clients’ risks. By going Beyond Insurance™ to uncover risks and exposures that threaten your mission and bottom line, we are able to save you money and protect your business.

Why Texas Business Insurance?

When your entire livelihood is riding on the success of your business, you can’t afford any major losses — one big lawsuit or accident could bring your operations to a screeching halt.

Regular Coverage Reviews

We conduct formal reviews about six months after writing your policy as a way of confirming that the level of coverage is still appropriate, and to make sure that we are working effectively to achieve mutually agreed upon risk management insurance goals and objectives.

“AT BKCW INSURANCE, ‘ABOUT US’ STARTS WITH ‘ABOUT YOU’, YOUR BUSINESS, OR YOUR FAMILY,” We want to know what keeps you up at night, what excites you when you get up in the morning, and what you are great at.


Your Email (required)

Other products you may be interested in.

Workers’ Compensation

By identifying and managing risk, workers’ compensation insurance can be an affordable way to protect employees and your business.

Learn More

Commercial Property

Protect your business’ physical building, the contents inside, and avoid lost income when a disaster temporarily halts your operations.

Learn More

Commercial Auto

Does your company own, rent or lease vehicles? Have employees that drive their own cars to do business? Or drive yours? Insurance is essential.

Learn More