Are you looking for the best small business insurance Katy, TX, that you can possibly get? Well, if so, you hit the jackpot finding Texas Insurance Agency! We are the number one independent insurance option in the Houston area and are here to help you get coverage that fits your circumstances.
If you’re looking for small business insurance, you’re probably wondering if this type of coverage is right for your business. Many people think that business insurance is something that only large companies need to have, but this couldn’t be further from the truth. There are many reasons why every business owner should have the best small business insurance possible.
One of the many reasons smaller businesses should have insurance is to keep the business safe from random mishaps. Things like fires can happen anytime, and when they do, you want to know that your business and its equipment are fully covered. If something like a fire does cause damage to your business, having the right coverage can help you get back up and running quickly.
Another reason why it’s important to have the best small business insurance that you can possibly find is to protect yourself against accidents and theft. You want to be sure that you are fully covered against the threat of burglars, vandals, and thieves so that you can get back to your business as soon as possible. Texas Insurance Agency can help you scour the market and find the best coverage option for your business.
The key to getting the right coverage is ensuring you find a policy that covers all aspects of your business. This includes everything from commercial buildings and inventory to team members’ injuries and personal belongings. By making sure that you have the right kind of coverage, you can avoid any unpleasant surprises in the future. Call us at Texas Insurance Agency today, and we’ll help you find the best small business insurance that you can possibly get.
The Best Small Business Insurance Katy, TX Options Don’t Have To Cost An Arm And A Leg
Our team of insurance experts will scour the market and help you find the best small business insurance Katy, TX, that suits your business.
Texas counts as the world’s 10th largest economy, and small businesses play a big role in making it an economic leader. In fact, the nearly 3 million small businesses in Texas account for more than 97% of companies in the state and employ almost half of their workforce.
A small business in Texas can expect to pay anywhere from $300 to $5,000 a year for a general liability insurance policy. 80% of small businesses pay around ~$1,400 a year for this policy to protect their businesses from the most common lawsuit for small businesses.
These are just the average rates – many small operations can expect to pay between $600 and $1,800 per year. Although, the policy average is around $900 per year (or $75/month) for professional liability (i.e., errors and omissions).
If you’re a small business owner in the Lone Star State, calling Texas Insurance Agency is a great way to make sure you’re covered by the right insurance coverage. You can choose the types of coverage and limits depending on different factors, including your profession and the size of your business.
We recommend that all small businesses in Texas carry a combination of general liability, professional liability (also known as E&O), and commercial auto insurance. Even though Texas is the only state that does not legally require workers’ compensation insurance, it still offers important protection if you have employees or work in an industry where you might get hurt.
Your Company Needs General Liability Insurance At Least
Protect your business with the right commercial property insurance. Your workers deserve to be protected from the unthinkable!
As mentioned above, we recommend all companies at least have some form of general liability insurance. This is because the most common type of lawsuit against a small business is negligence or mistakes that resulted in someone else’s injuries or property damage.
You might think, “It’s impossible for me to do anything that would hurt someone else,” but it happens all the time, and there are some very complicated and expensive things that you can be sued for as a small business owner. Liability insurance will protect you from these types of lawsuits, so call to get started with the best small business insurance Katy, TX, coverage today.
Other Commercial Insurance Options
Umbrella coverage can fill in the gaps in your existing plan. Call us to learn more about this amazing type of insurance.
While liability insurance is the least you can do as a small business owner, why would you only want to protect your business partially? That is where commercial umbrella insurance comes in. An umbrella policy acts as a supplement to your liability insurance and covers you for higher amounts of damages.
Let’s say you own a small retail store, and one of your employees injures a customer, who then sues you. The court may award the customer $500,000 in damages, but you only have a general liability policy with a $1 million limit. An umbrella policy would kick in and cover the other $500,000. This is just one example of how this policy will protect you from unexpected costs and liabilities. Call our office to learn about even more options like oil & gas insurance and trucking insurance.
Call For A Free Quote Today!
Getting a quote from Texas Insurance Agency is fast and easy. It only takes a few minutes to get a quote, purchase coverage, and share your certificate of insurance. If you have any questions throughout the process, our team of Houston-based licensed advisors is standing by to help.
Plus, you can compare small business insurance with the help of our expert agents. Don’t let the fear of cost keep you from protecting your Texas business. With Texas Insurance Agency, you can find the best small business insurance options without breaking the bank. Get started today and find the best small business insurance Katy, TX you need to keep your company protected!
Katy, TX Fun Facts:
- The city of Katy is located approximately 29 miles west of downtown Houston.
- Katy lies in three different counties – Harris, Waller, and Fort Bend County.
- Katy was formally incorporated in 1945.
