Have you been searching for Houston TX Business Insurance Near Me? If so, stop searching and speak with the experts at Texas Insurance Agency today. For years, we have been working with some of the most trusted insurance providers around. As a result, we are able to offer you the very best policies at the best rates. If you’re looking to work with an insurance company that will put your needs first, call Texas Insurance Agency today.
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Choose Texas Insurance Agency for Commercial Business Insurance
Our insurance team has a combined total of 40 years of experience. With that in mind, you can trust us to find you the most coverage for your business needs. What’s more, we understand that no two businesses are the same. That is why we never recommend cookie-cutter policies. Instead, our agents take the time to get to know you and your business. As a result, we are able to offer the precise coverage you need to protect your business.
There are several business insurance policies available and even more coverages available. However, not every policy will be necessary for your business. This is because some of these policies are designed for specific business industries. Additionally, it’s important to note that some of these policies are more geared towards small or medium-sized businesses rather than large businesses, and vice versa.
With all these things to consider, it can be challenging to find the right policies for your business. That is why our team is here to help. We understand how important your business is to you because we know how important our business is to us. For that reason, we don’t work for the insurance providers; we work for you.
No matter which insurance policies you require, you can rely on our expert team to offer you the very best deals. Call today for a free quote regarding Houston TX Business Insurance Near Me.
Houston TX Business Insurance Near Me
Depending on the size and type of business you run will depend upon which insurance policies you need. First and foremost, there are certain insurance policies that are required by the State of Law. One of those policies here in Texas is Workers Compensation.
Workers Compensation Insurance
This insurance coverage is needed by businesses and companies that have a team of employees. Not all businesses, especially smaller businesses, have a large team of employees behind them. Many times it is a one-person company. However, if you own a business and are in charge of employees, you need workers’ compensation no matter the size of your team. This insurance type is designed to protect and benefit both employees and employers.
What’s more, it is a government-mandated system and is designed to cover the cost of medical bills resulting from a workplace accident. It’s not uncommon for accidents to occur in the workplace, for some industries more than others. That is why it is essential you have this insurance type on your side.
It’s important to note that this coverage is only applicable if the injury is sustained at your place of work. For example, if an employee is involved in a vehicle collision on their way to work, they could not rely on workers comp to cover their medical expenses. However, if they were to injure themselves on a piece of equipment while at work, then workers comp would cover their medical bills.
Additionally, workers comp will take care of lost wages if an employee has to take time off due to their injury. As a result, it is a great insurance policy to have on your side. Without this policy, you’d be paying these expenses out of your own pocket.
Call today for the best Houston TX Business Insurance Near Me.
Business Owners Policy (BOP)
Having a Business Owners Policy or BOP is essential to the operation of your business. This policy combines both property insurance with business liability insurance. BOPs are designed to protect your business against common workplace claims such as theft, vandalism, and fires.
Moreover, BOPs cover claims taken out against your business, such as property damage or bodily injury. If you’re looking for an insurance policy that will protect your business against these types of claims, your best bet is to take out a BOP. This is because it is more cost-effective than if you were to take out these two policies separately.
What’s more, BOPs are incredibly flexible, making them the perfect option for any business owner. Whether you run a smaller business or a large business, you can find the coverage you need with a BOP. The coverage options under these policies vary to fit your needs. You are also able to add on certain coverages, such as data breach coverage, if applicable to your business.
Business Insurance Coverage
There are several coverages that prove invaluable to certain businesses. Some of the more common coverages include the following:
- General Liability Insurance
- Commercial Auto Insurance
- Business Income Insurance
- Commercial Property Insurance
- Professional Liability Coverage (Errors and Omissions)
Most of these policies/coverages are available under a BOP, yet again proving these policies are an excellent choice. However, there are other policies and coverages that aren’t eligible under a business owner’s policy—one of those being workers’ compensation. However, you’ll have the option of taking out a separate policy for this and any other policies you feel you need.
Ask about a free quote when you speak with our team!
Call Texas Insurance Agency for a Free Insurance Quote
To learn whether a BOP is right for your business, call Texas Insurance Agency today. We’ll help you find the right coverage options to keep your business protected. Additionally, our team will happily help with any other insurance needs. We want to do the absolute most for our clients. That is why we don’t just offer business insurance; we offer several other insurance products, from flood insurance to auto insurance to home insurance.
Speak with our team today to see if you’re eligible for a bundled policy regarding your business and auto insurance. You could save big with our team. Call now and ask about the Houston TX Business Insurance Near Me policies we offer.
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