When your company needs quality coverage, Texas Insurance Agency is the leading agency for business property insurance North Houston, TX. We offer insurance services to help you explore all insurance options for your business.
Your Source For Business Property Insurance North Houston, TX
If you’re a homeowner, you’ll want homeowners’ insurance that offers protection in the event of a fire or flooding.
You want similar protection when you’re a business owner with a building you operate out of. Whether physical or legal, you’ll want coverage that can protect you from any occurrence.
Business Property Insurance North Houston, TX, also referred to as Commercial Property Insurance, is the insurance solution. No matter the property type, it will cover the cost of repairs for a physical location, inventory, computers, tools, and accounts receivable. Business insurance protects your company’s physical assets from unexpected events.
No matter how new or faultless your building may seem, disaster is always possible. Faulty wiring could lead to a fire; torrential downpours could lead to flooding.
Property insurance is the answer that protects your company from any adverse outcomes, including protection in the event of:
Physical assets that are protected include the buildings you use, the contents of those buildings (such as inventory or equipment), and any loss of income. If your company is out of business due to a claim or in the event of a structural collapse, it will cover the replacement costs for any losses.
In addition to the protections mentioned above, there are additional coverage options available that can protect from:
- Equipment breakdown
- Any direct cause of loss to your business
Every day is different, and no matter how many precautions are taken, the potential for damage or loss is always present. It’s crucial to ensure optimal coverage to get a headstart should those incidents arise. Whether you’re a large company or a small business, property insurance coverage is essential for any business owner to obtain.
Other Business Insurance Considerations
A business needs to have insurance on its personal property. However, other potential damage can occur to a business that isn’t physical. That’s why it’s essential to have all of your bases covered.
You’ll want to be sure your business insurance covers the following:
General Liability Insurance
General Liability Insurance is one of a company’s most basic yet essential forms of insurance. It’s especially vital for a small business, which may not have the financial cushion a large company does. It can protect against:
- Bodily injury
- Property damage
- Advertising injury (such as copyright infringement)
- Personal injury (such as libel or slander)
Lawsuits can arise from a customer, a business partner, or a team member. This insurance coverage will protect your business from being held liable and having to pay any legal fees.
An extension of this is Umbrella Liability Insurance. This insurance will cover any additional costs that exceed what is covered by general liability. Umbrella insurance will also protect your business if you have the following:
- Frequent visitors to your business.
- If you’re operating on someone’s property.
Frequent visitors increase the risk of possible accidents or injury. While employees would be protected with general liability, this extends that protection to visitors if they file a claim against your business. Additionally, if your company visits customers’ homes, it will cover property damage that could occur while on site.
Commercial Auto is critical if your company uses a vehicle for business-related functions. Personal auto insurance doesn’t have the same level of coverage. A commercial auto policy can cover business vehicles for an array of incidents, including:
- Vehicle damage
- Injury to driver
- Damage to someone’s property
- Injury of someone else
This insurance provides policy coverage for liability, medical, and collision, to name a few.
While Texas does not require a business to have this insurance, Workers’ Compensation greatly benefits any type of business. This insurance protects your employees and you in case of a workplace injury. It will cover the cost of medical bills and replace lost wages while a team member recovers.
This ensures that a business owner won’t have to cover these costs out of pocket. It’s also another ideal investment for small business owners to protect them from a financial burden.
The Coverage That’s Right For You
With so many options, we know it can be overwhelming. It’s important to remember that the size of your business dictates what insurance you may or may not need. What’s necessary for a large company isn’t necessary for a small business.
These are just a few of the additional business insurances you may require. We know it’s essential to have the right insurance coverage and only the necessary coverage. Unlike the big companies, our independent agents only want what’s best for our clients. We believe the trust we’ve built through optimal customer service is the reason for our success.
Texas Insurance Agency is here to guide you when you’re ready to explore. We’ll cover all your options and find the right policy coverage to protect your business. We’ll listen to your concerns, consider your needs, and tailor a comprehensive policy that meets your satisfaction.
And with a FREE insurance quote, you can be assured you’ll get the best rates possible without the headaches or hassle.
Discover the difference with Texas Insurance Agency. We’re a Texas-based, proudly independent insurance agency. We have the knowledge and expertise to find the exact coverage you need for success.
We’re readily available and serving the North Houston area. Call us today or visit our office to learn more about what we can do for you. We’re open Monday-Friday, 8 AM to 5 PM, with Saturday and Sunday visits available only by appointment.
We also have offices serving Katy, Pearland, Tanglewood, and The Woodlands. No matter where in Houston you are, we’re never far! Experience an insurance agency that works for you. Visit Texas Insurance Agency when you need business property insurance North Houston, TX.
Fun Facts About North Houston, TX:
- The North Houston area is home to the Sam Houston Race Park.
- George Bush Intercontinental Airport, located in North Houston, is the second largest hub for United Airlines.
- North Houston is part of the most populous county in Texas.