Pearland is one of the most popular cities within the Houston area for businesses that may need commercial property insurance near me Pearland, TX. Texas Insurance Agency is proud to be the leading independent insurance agency providing dyanmic insurance for businesses here.
If you’re ready to experience the difference, discover what we can do for you.
The #1 Choice For Commercial Property Insurance Near Me Pearland, TX
Whether you’re a start-up, a small business, or an established company, the importance of Commercial Insurance is a top priority. This insurance product provides coverage for the employees that work for you as well as the business itself.
Commercial property insurance offers protection from damages that may occur from any of the following events:
- Fire, including damage caused by smoke, charring, or even firefighters.
- Storms, such as falling trees or debris due to high wind levels or hail.
- Theft or vandalism from events such as riots or civil commotion.
This insurance will cover the cost of any property damage. It also protects your physical assets to avoid replacement costs due to any losses that may occur.
Commercial property insurance is offered at different levels, with each level providing certain coverages.
Basic Form Policy is the first level and provides the least coverage for your business. This insurance will usually cover the cost of damages caused by events such as:
- Fire, smoke
- Windstorms, hail, lightning
- Water damage caused by sprinkler leakage
- Vehicle collisions
- Vandalism, riots, civil commotion
Broad Form Policy is the second level and provides coverage for the damages caused by the events listed above. It also includes coverage for damages caused by
- Leaking appliances (sprinkler systems, air conditioning units)
- Structural collapses that can disrupt production
- Falling objects
- Ice, sleet, or snow
Special Form Policy is the third level and will provide the most coverage for your business. This policy covers the cost of repair for damages from almost all causes of loss. The only events not covered will be noted in the policy, called “Policy Exclusions.”
- Policy exclusions usually include damages caused by floods, earth movement, nuclear disasters, or vermin.
At Texas Insurance Agency, we know how important the right insurance protection is. Let us help you find the right commercial property insurance near me Pearland, TX.
The Importance Of Flood Insurance
As we’ve all experienced, Texas is prone to flooding. Because of this, flood insurance is an absolute necessity for businesses and homeowners alike.
- The National Flood Insurance Program provides insurance coverage administered through FEMA. However, this particular insurance is limited in what it will cover.
- Private flood insurance policies are also available for purchase and provide a higher level of coverage not limited by NFIP.
Both of these policies can be purchased through Texas Insurance Agency. We’re more than happy to help you find the policy that works best for you.
Commercial Insurance Options
For any business, commercial insurance isn’t limited to property insurance coverage. We offer a wide variety of additional options to choose from. To ensure your business has complete protection, these include but are not limited to:
General Liability Insurance is coverage designed to protect business owners.
- This provides coverage for: bodily injury, property damage, or personal injury, including libel and slander.
- Also called Commercial General Liability (CGL).
- General liability insurance is especially important for small businesses. Unlike a large company, the cost of a lawsuit or claim could severely affect a small business.
Commercial Auto Insurance provides coverage for your business’s vehicles. This will offer protection in the event of:
- Vehicle damage
- Injury to the driver or someone else
- Damage to someone’s property
This coverage is especially important for companies that lease, rent, or own their vehicles. We also provide policies for businesses that offer Trucking and Transportation services.
Business Insurance provides coverage for all aspects of your business. It ensures repair or medical costs do not come out of your pocket. This coverage offers protection through:
- Workers Compensation, which not only provides insurance for an injured employee, but also protects the business owner from liability. It prevents the employee from being able to sue for negligence if they rely on this insurance.
- Liability Insurance provides coverage in case of a lawsuit against your company by covering the cost of legal fees.
Small business insurance is equally important. These policies are slightly different. However, provide the same coverage and tend to be more affordable, unlike insurance directed at larger companies.
Oil & Gas Insurance Policies provide plans tailored for businesses in the oil & gas industry. These policies offer coverage ranging from General Liability and Commercial Auto to Oil & Gas Lease Property and Equipment Coverage.
When it comes to insurance policies for your business, there are many options to choose from. Moreso, not every available option is needed to provide overall protection for your business. Texas Insurance Agency is here to help you find the best insurance policies for your needs.
We Work For You
We know there are many choices for your insurance needs, and we’re proud to be the leading independent agency in Texas. As much as we may love insurance, we know not everyone shares our enthusiasm. Our goal is to make it a fun experience and help find the best policies that meet your needs.
We’ve partnered with the leading insurance companies to provide commercial and personal insurance policies at the best prices available to you.
Fun Facts About Pearland, TX:
- Pearland began life as a stop for the Gulf, Colorado, and Santa Fe Railroad.
- Pearland is known for figs and pears.
- Pearland was once home to rapper Megan Thee Stallion.