Where can you get quality garage liability insurance Katy, TX at the best price possible? Texas Insurance Agency has the selection you are looking for on this journey to find protection for your business. A good business cannot be all-rounded without the proper security plan for owners and employees alike.
Find us in places all around Texas. We have five main locations, one of which is our Katy, TX location. As a part of the Katy community, we prioritize the needs of our business owners and families over the insurance companies.
You can trust that we will find the option that best suits your company’s entire operation. We work for you.
Who is Garage Liability Insurance Katy, TX for?
If your business handles vehicles to store or to repair, it is of utmost importance to invest in a safety net for all situations. This type of plan is designed to help experts in the automotive industry become protected from losses caused by bodily injury, property damage, and more. Cars cost a lot, and it’s not worth it to suffer major losses from a single mishap on one vehicle.
To explain further, garage liability insurance Katy, TX is a form of insurance that covers costs directly related to damages that occurred on the site of your business operation. Garage insurance will cover medical bills and associated costs if a working mechanic trips over parts on the floor. Another situation would be when customers’ vehicles receive damage caused by products sold by your business; garage plans will also cover this.
It is also possible for garage insurance to cover expenses that can occur following property damage or theft caused by employees. All of the coverages are dependent on your business model. Speak with us to find out what sort of policy is the right fit for you.
Protect Your Business Now
To operate a business in the state, the Texas Department of Motor Vehicles requires owners of the automotive industry to get both garage liability and a surety bond. Start browsing options now to avoid any trouble with the state. Save yourself time and trouble by contacting our expert team members for a free quote to make this process much smoother.
Rather than getting garage insurance on its own, it is important to consider a combination of policies to protect all aspects of your business. General Liability and Commercial Umbrella Insurance are the two most important parts of creating a high level of security.
Commercial General Liability (also known as CGL) can protect your business in certain situations:
- Personal injury (libel or slander)
- Property damage
- Bodily injury
- Advertising injury
This type of plan is suitable for big and small businesses and can help you in many ways. However, it is most important for small businesses. Claims against companies occur far more commonly than you think, and it is important to protect yourself against such situations. Businesses have faced great losses on their assets and bankruptcy due to the severity of such claims.
Lawsuits and claims can come from anyone. Customers, employees, and even business partners have the potential to cause harm to your business. Rather than not accounting for what can be prevented, it is important to stay ahead of the unexpected.
Often referred to as Umbrella Liability Insurance, this type of plan is designed to provide an additional layer of coverage on top of their current policies. As limits exist, it is helpful to have the umbrella cover additional costs far exceeding the limit. For those in this field, a customer’s car can cost up to a hefty sum. Covering property damage fees and potential legal fees can cause quite a headache.
Policies such as commercial auto, workers’ compensation, general liability, and employee benefits are among those that can receive additional coverage.
The commercial umbrella is especially helpful for businesses that handle customer properties. Although it is already more helpful to have plans, such as general liability, than to have no coverage at all, getting an umbrella plan will ensure a low sum of loss.
These two main types will ensure proper protection for your business and enhance the effects of garage insurance.
Other Ways to Stay Safe
Going back to the idea of having a well-rounded plan, other aspects of your business can be vulnerable to unexpected events. You may find yourself hiring contractors for their unique skillset, and contractors can also have risks. For this situation, contractors’ insurance is required to ensure that your company will not be held liable for any damage caused to a customer’s property.
You will need to consider manufacturers’ insurance if you manufacture auto parts and provide repair services. This type of plan will include property damage, injuries sustained by the worker, and overall damage to equipment. To effectively operate a business that makes and handles expensive auto parts, it will be extra important to prevent unnecessary losses.
Lastly, having workers’ comp is highly important to businesses that require workers to operate heavy machinery. One accident could cause a big discourse and put everything behind schedule, costing the company a lot of money. The worker directly related to the accident will need to receive proper treatment, and on the off chance this happens, they may sue the company for it. This plan will help cover the injured worker’s medical bills and related legal fees.
Come to the Best in Town
Don’t worry about being unsure of what your business needs; Texas Insurance Agency is here to assist you throughout the entire process. Serving areas all over Texas, we are dedicated to helping our business owners in any way they need. For our community to flourish, this is the least we can do.
From picking the right policy to making changes and claims, our agency will provide great assistance every step of the way. Hesitating for a moment longer will mean less protection for the same amount of time, and we believe you would like to change that. Come to Texas Insurance Agency today for your own garage liability insurance Katy, TX.
Katy, TX Fun Facts
- Before the city was founded, whooping cranes, geese, ducks, and other bird species roamed the area.
- Katy is known to be a “Tree City” with many trees despite being very modern.
- The Katy Dog Park allows canines to be off the leash and freely enjoy the pools and walking paths offered.