Searching for Houston, TX commercial property insurance carriers takes a lot of time. As any business owner knows, time is money. The more time you spend on trying to find the right coverage for your business, the less money you could be making by managing your business.
Therefore, if you want to find the right coverage for your commercial property, call the experts at Texas Insurance Agency. We know exactly which companies to reach out to and which plans to look for. We will work in tandem with you to make sure you find the right type of coverage based on your business and your budget. There are a lot of different businesses out there, which means there are a lot of different policies to sift through.
Our job is to reach out to these Houston, TX commercial property insurance carriers to find the best policy for our customers. We provide free quotes to get you started. Set up an appointment with us and meet with us in Houston to go over the details of your policy.
How Houston, TX Commercial Property Insurance Carriers Factor Costs
When searching for a commercial property policy, most policies typically cover similar areas. For instance, most policies can protect against liabilities from fires, explosions, burst pipes, storms, theft, and vandalism.
Damages from earthquakes or floods are typically special add-ons that are not included in most policies.
The cost of these policies can vary. The price is often determined by the location of the property, the type of construction, what your property is used for, and what type of fire and theft risks are there.
Many insurance companies will look at a location and determine what type of storms and natural disasters are more likely to occur. Here in Houston, we are prone to hurricanes, therefore, wind damage may be factored into the cost.
The construction of the property plays an important role. Older buildings may cost more due to them not having up-to-date electrical wiring, plumbing, and HVAC system. Depending on how old it is, you may be to do some renovations before you can get the proper coverage you need.
The type of business you have and what your property is used for are considered and what type of risks can occur. For example, properties that deal in oil and gas will have a very high-risk factor. A realty office will have far fewer risks. Another example of higher risks would be restaurants and repair shops. Basically, if there is a higher risk of people getting hurt, those costs get factored in.
Lastly, fire and theft protection is factored in. The insurance carrier will want to know where the nearest fire hydrant is, how far the fire station is, and whether or not your builds and property have alarms or sprinkler systems. You may even want to consider having a security system to help lower insurance costs.
We will go over all the necessary points in your business and on your property. Based on your criteria, we may advise certain changes or upgrades to your business to help lower the cost for you. The less risk there is, the more the cost could come down for you, and the easier it will be to find great coverage.
Consequences of Not Having Coverage
Texas does not have too many laws about businesses needing insurance. However, it is still important to make sure you have coverage. Just because there are no laws about something doesn’t mean it is not a good practice.
Just like there are no laws about locking your doors and windows at night to help keep thieves out. It is still a good idea to protect yourself.
Commercial property insurance is the same way. You may not have to have it by law. Many people disregard insurance policies because they believe it is a way for many companies to make money off of you. However, we can assure you that we work with honest companies to provide the best policies.
There are too many risks in this world to not to protect yourself. Why run the risk of losing everything when a simple insurance policy could help cover you?
Even though you may be a small business, that does not mean you do not have any risks. Small businesses often close down the most often due to the idea that owners don’t feel they have any risks.
When you work with Texas Insurance Agency, we will find the right policy to help keep you protected on all fronts of your business. We also do all the leg work for you and help assess your business’s risks. Searching for the right policy takes a lot of time, especially if you are not familiar with how insurance works.
Not only can we find a policy quickly, but we know exactly which companies to go to and which policies to look for based on your business. Our agents have been doing this for years. Their wisdom and experience with the different types of businesses out there have helped them find clients’ policies that work specifically for them. We are confident that we can find you a policy as well.
Our agents are professional and understand how important it is to protect what you worked so hard to build up.
Visit Us in Houston
Don’t risk your business to liabilities and damages. Contact us today to set up an appointment to speak with one of our agents. Our offices are all over Houston, including North Houston, Pearland, Tanglewood, Katy, and The Woodlands.
Our business hours are from 8 AM to 5 PM from Monday to Friday. Our offices are closed on the weekends but are open by appointment only.
Using honesty, integrity, and hard work, we will find a policy that meets your every need. We can easily break down policies and explain exactly what they offer. After our meeting, you will know exactly what is covered so you can run your business with confidence.
You don’t need to waste time and energy worrying about all the “what ifs” while trying to run and manage your business. Let us provide a safety net and peace of mind with trusted Houston, TX commercial property insurance carriers and high-quality insurance policies.
Fun Facts for Houston, TX
- Houston can fit all of San Francisco, NYC, and Boston at the same time.
- There is a scavenger hunt that leads to some gemstones held in NYC city somewhere in Houston.
- Enjoy secret menu items such as The Mad Cow from Torchy’s Tacos.