Business & Commercial Insurance

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Business & Commercial Insurance Information

Texas Business Insurance

For the thousands of small business owners in the state of Texas, obtaining quality business insurance is standard operating procedure. The right insurance plan protects you from a variety of circumstances including costs associated with property damage, lawsuits filed against you, even medical care resulting from an accident. Finding the right balance between cost and coverage is easier when you are aware of your options and understand what’s available to you. Learn about Texas business insurance, talk to an agent you can trust and make an informed decision when you’re ready to buy.

Types of Business Insurance

Basically, there are four different types of business insurance most small business owners consider: general liability, professional liability, property insurance and worker’s compensation insurance.

General Liability

General liability protects your business from property damage and any bodily injury that occurs on your property. General liability insurance is offered as part of a standard business owner’s policy (BOP) along with property damage and can be purchased relatively easily.

Professional Liability

For businesses that deal specifically with medical, accounting and other professional services, professional liability protects you from claims of negligence or errors. Professional liability is an important insurance to consider if your business could be held liable for costly mistakes.

 Property Insurance

 Protecting your business’s physical assets and inventory is generally satisfied through property insurance. The right policy protects against physical loss or damage and even covers your inventory when it is off premises.

 Worker’s Compensation

 When one of your employees is injured at work or suffers a work related illness, you are protected with worker’s compensation insurance. Medical and disability costs can be financially debilitating which is why maintaining a quality worker’s compensation policy is a smart idea although it is not required in the state of Texas.

 Business Owners Policy (BOP)

 If you own a low-risk, small business, you may be eligible for commercial liability insurance through a Texas Business Owners Policy. Offering general liability protection, a BOP is a single commercial insurance policy combining property insurance with commercial general liability insurance coverage. In many cases, a BOP is a cost effective alternative for small or expanding businesses looking for protection on a limited budget.

 What is Covered Under a BOP?

 Typically, the standard BOP policy provides general liability insurance. General liability covers your commercial liability which includes bodily injury and property damage which protects physical assets from damage, whether they are leased or owned. The right BOP helps pay for a legal defense and even covers costs of claims associated with slander, libel and false advertising. Negligence is not covered under general liability, but would be considered part of a professional liability insurance plan.

 Consult the Right Agent for Help

 When it comes to making the right choices for your business, with all of the options, it can be confusing. Make certain to choose an agent you trust to help you navigate the world of business insurance and get you the coverage you need at an affordable rate. From finding available discounts to understanding often complex state requirements, a qualified agent can help you secure the right coverage to protect yourself and your assets.

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