Business Lines

Texas
Business Owner's Policy

A Business Owner's Policy bundles property coverage, general liability, and business income protection into one affordable package — built for small and mid-size Texas businesses.

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5★
Average Rating
10+
Years in Business
1,000+
Families Protected
24/7
Claims Support

Harvey Insurance is a trusted local agency serving families and businesses across the state of Texas — backed by America’s most reputable carriers.

One Policy. Complete Business Protection.

Most small businesses need at least three types of coverage — property, liability, and income protection. A BOP combines all three into a single, cost-effective policy. We help Texas business owners get the right BOP matched to their industry, size, and risk level.

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What’s Covered

Business Owner's Policy Coverage Details

We work with top commercial carriers to provide comprehensive BOP coverage — protecting your property, your customers, and your bottom line with a single policy.

Commercial Property
Covers your building, equipment, inventory, and business personal property from fire, theft, and other covered losses.
General Liability
Protects your business if a customer or third party is injured or their property is damaged at your location.
Business Income Insurance
Replaces lost revenue if your business is forced to shut down temporarily after a covered property loss.
Equipment Breakdown
Covers the cost to repair or replace essential business equipment that breaks down due to mechanical failure.
Hired & Non-Owned Auto
Covers liability when employees drive personal or rented vehicles for business purposes.
Cyber Liability Add-On
Optional coverage for data breaches, ransomware, and other cyber incidents — increasingly essential for small businesses.
Why Harvey Insurance

Built on trust. Driven by service.

We’re not a call center or an app. We’re a local agency that treats every client like a neighbor — because most of them are.

01

Backed by Trusted Carriers

We work with the most trusted and recognized carriers in the country — giving our Texas clients access to strong coverage and reliable claims support.

02

True Local Expertise

We understand the specific risks Texas residents and businesses face and write every policy with that knowledge front and center.

03

Genuine Relationships

When you have a question or a claim, you reach us — the same people who wrote your policy. We know your name and advocate for you, every time.

Client Reviews

Real people. Real results.

Protect Your Business Today

We work with top-rated commercial carriers to find the right BOP for your Texas business — at a price that works.

Location
Addison, TX — Serving All of Texas
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Coverage Areas

Texas Cities We Serve

We provide business owner's policy to families and businesses across Texas. Select your region to find your city and get local coverage details.

DFW Metroplex
Addison Allen Argyle Arlington Burleson Carrollton Celina Dallas Denton DeSoto Euless Fate Flower Mound Forney Fort Worth Frisco Garland Grand Prairie Grapevine Haltom City Haslet Irving Justin Keller Lewisville Little Elm Mansfield McKinney Mesquite North Richland Hills Northlake Plano Prosper Richardson Rockwall Rowlett Royse City Sherman Southlake The Colony Waxahachie Weatherford Wylie
Greater Houston
Atascocita Baytown Beaumont Channelview Clute Conroe Cypress Deer Park Dickinson Friendswood Galveston Houston Humble Katy La Marque La Porte Lake Jackson League City Missouri City Orange Pasadena Pearland Port Arthur Richmond Rosenberg Seabrook Spring Stafford Sugar Land Texas City The Woodlands Tomball Webster
Austin Metro
Austin Bastrop Bee Cave Buda Cedar Park Dripping Springs Elgin Georgetown Hutto Kyle Lakeway Leander Liberty Hill Lockhart Manor Marble Falls Pflugerville Round Rock San Marcos Taylor
San Antonio & Hill Country
Boerne Canyon Lake Cibolo Converse Fredericksburg Helotes Kerrville Kirby Leon Valley Live Oak New Braunfels San Antonio Schertz Seguin Universal City Uvalde Wimberley
West Texas & Permian Basin
Andrews Big Spring Del Rio Fort Stockton Midland Monahans Odessa Pecos San Angelo Snyder Sweetwater
Texas Panhandle
Amarillo Borger Canyon Childress Dalhart Dumas Hereford Pampa Perryton
South Plains
Brownfield Lamesa Levelland Lubbock Plainview Slaton Wolfforth
East Texas
Athens Carthage Henderson Jacksonville Kilgore Lindale Longview Lufkin Marshall Nacogdoches Palestine Paris Texarkana Tyler
Central Texas
Belton Brownwood Copperas Cove Gatesville Harker Heights Hillsboro Killeen Lampasas Robinson Temple Waco Woodway
South Texas & Rio Grande Valley
Brownsville Eagle Pass Edinburg Harlingen Laredo McAllen Mercedes Mission Pharr Rio Grande City San Benito Weslaco
Gulf Coast
Bay City Corpus Christi Freeport Ingleside Kingsville Port Aransas Port Lavaca Rockport Victoria

These are just a handful of the communities we serve — we cover the entire great state of Texas. Don't see your city? Give us a call — we likely cover it.