If you need professional help with Houston, TX business liability insurance Texas Insurance Agency can help. We work with dozens of insurance companies to bring Houstonians the best insurance policies for the best price. We work with companies such as CNA Surety, Centauri Insurance, Gulfstream Property and Casualty Insurance, Foremost Insurance Group, and so many others.
With us in your corner, we will ensure that your business is protected so you can have peace of mind running your business. There is a lot that can happen today. If you do not have a safety net to fall back it, you can risk losing everything.
There is enough risk in running a business altogether. Don’t risk everything you built by not having the coverage you need. When you contact us, you can receive a quote. We can tell you what type of coverage you need and how much it will cost with no obligation.
Why Houston, TX Business Liability Insurance Texas is a Good Idea to Have
When it comes to Houston, TX business liability insurance Texas doesn’t really have any laws that say you need it. In fact, Texas is one of the few states to does not require business owners to have workers’ compensation. But that does not mean you are safe from liabilities. While business insurance is not required by law, if something happens and your business is deemed at fault, you may still have to cover for those expenses.
Many people make the mistake of thinking that just because the law does not demand it that it is not necessary. That simply is not true. There are a lot of rules and ideas that are not law but are still a good idea to follow simply because they will grant you safety and security in the long run.
Business liability insurance is one of these good ideas. Think of it as an investment. You want to make an investment in your business. There are long-term and short-term investments. Insurance is one of those long-term investments that you may not need but will be so thankful you have it if you ever do.
With our business liability insurance, you could end up paying tens of thousands of dollars in medials bills, workers’ compensation, and court fees. No business out there purposely makes it their mission to put their workers in danger. However, sometimes accidents happen, and not every factor can be accounted for 100% of the time.
Many times things get overlooked unintentionally, and it can lead to a safety issue. This happens all the time in businesses. It is part of the risk. Therefore, you want something that will account for that risk if and when it happens.
Which Businesses Need Liability Coverage
There are some businesses that feel they do not need liability coverage. While we think it is a good idea for every business, there are a few key points to consider. If you deal with employees of any kind at your business, you will want to consider liability coverage.
We touched on coverages for workers’ compensation. Depending on the type of business you run, the size, and how many employees you have will factor in how much coverage you need.
Those who are in the oil and gas industry need this type of policy. This is a highly risky business, and many injuries and accidents can happen. A business selling used books probably will not need as much coverage as they are not at the same risk factor, but that doesn’t mean there is no risk at all. Slips and falls can happen anywhere at any time.
If your business involves customers showing up physically at your place of business, you will also want liability coverage. This type of insurance can cover the cost of medical bills, ambulance rides, and court fees if customers get hurt on your property. I
t is important to note that if you run your business out of your home and customers come to your house, your homeowner’s insurance is not the same and will not cover you. It is a lot like auto insurance. If you use your personal vehicle for business purposes, your personal auto insurance will not cover business costs. You would need a commercial auto policy.
To sum everything up, if you deal with people and there is a potential for physical injury at your business, you probably want to seek proper insurance coverage.
Other Business Policies You May Be Interested In
When looking for coverage for your business, it is important to consider everything, not just employees and customers. You want to consider protecting the actual property, products, tools, equipment, and anything else you may need. For example, those who have an auto shop business may want to consider garage keepers insurance which can help protect customers’ vehicles.
We offer an oil and gas policy built specifically for those types of companies. Farmers can find policies built to protect livestock, equipment, structures, and other agricultural needs. Truck drivers can get commercial auto insurance built to protect their trucks and provide financial security if they are ever in an accident. They can also find policies that will protect the merchandise that they are carrying.
With Texas Insurance Agency, we can help you find the perfect policy that will fit your business. Whether you are a large business or a small one, we know how to help you. We have been helping hundreds, possibly thousands, of people get the coverage they need. You will get the exact coverage you need without the worry of overspending or paying for something you don’t really need.
We know what it means to be a hard work business in a big corporate world. No matter the size, your business is important to us, and we want to help you protect it.
Fun Facts for Houston, TX
- Check out the Beer Can House, which is covered in 39,000 beer cans.
- Orange Show Center for Visionary Art was started by a mail carrier back in the 50s.
- Every August, Miller Outdoor Theatre puts on Shakespeare in the Park.