Houston, TX business property insurance is an essential insurance policy that business owners should invest in. If you have employees and/or customers that frequent your property, this policy can help cover liability costs if anything were to happen.
Having insurance of any kind these days is extremely important. Whether it is business, auto, home, or even medical insurance, you want a policy that can help cover high costs. Having insurance as a business owner is especially important in keeping your business from closing down due to a lawsuit.
Give Texas Insurance Agency a call today and ask about our Houston TX business property insurance policies.
Who Is Texas Insurance Agency?
Texas Insurance Agency is an insurance broker that works with dozens of insurance companies to find clients the right policy. We work in both commercial and personal insurance providing people peace of mind and protection for things that people work so hard for.
Our agents have years of training and expertise in insurance. Insurance can be a difficult concept at times. There can be difficult wording and confusing regulations that do not always spell out what is covered clearly. Therefore, if you are not familiar with how insurance works, you could run the risk of spending money on something you do not need and not having enough coverage or even the right amount.
Many businesses have been lost due to liability, damage, and lawsuits. People have lost their entire life’s worth of work simply because they could not cover the costs. With business insurance, you can protect your business, continue running, and still cover any liability that comes your way.
As a business owner, it is safe to say that you will probably end up with a few liabilities. It is something that every business owner must face, especially if there are risks involved in the job. Do yourself a favor and give us a call and ask how we can help find you the perfect property coverage.
Houston, TX Business Property Insurance
What is business property insurance exactly? This type of insurance covers equipment, tools, and anything else that might be owned by the business. This type of policy will cover the costs of your property if they are ever damaged or destroyed in a firestorm, burst pipes, vandalism, or theft.
For example, you may have been one of many people who had piped the froze and burst during the freeze in the winter of 2021. If you were, then you understand the type of damage burst pipes can cause and how expensive it can be to replace. With the right property insurance, these costs can be minimized or covered altogether.
Vandalism is something that many business owners have to face, especially if they have a business that is fairly out in the open. For example, many auto shops and heavy equipment mechanic shops have big expensive equipment that stays outside. This makes it easy for people to steal or vandalize equipment costing the business owner thousands of dollars.
With business property insurance, we can provide coverage costs that could either repair or replace the equipment that was stolen or destroyed.
This insurance does not just provide coverage for big equipment. It also covers smaller tools such as wrenches, impact guns, compressors, or anything else you might need covering. Tools are just as valuable. Without them, it makes it impossible for people to do their job.
This type of insurance policy is perfect for nearly every business out there. Whether you own an auto shop, or you are in oil and gas, tools and equipment are expensive. Without them, nothing can get accomplished. Don’t wait until a liability or catastrophe strikes before you consider looking into commercial property insurance.
Protect Your Business Property and Your Employees
Along with property insurance, you may want to look into other insurance policies that can benefit your business.
If you have employees that work for you, you might find yourself with a liability on your hands. Again, this is a risk nearly every business owner faces. Liabilities are more a matter of when rather than if. A business owner can take every precaution necessary and plan as best as possible for the worst to happen. However, despite all the planning and preparation, there is still a good chance someone is going to get hurt on your property at some point.
With a commercial general liability policy, you can cover costs due to bodily injury, property damage, advertising injury, and personal injury. This is one of the single most important policies any business owner can have simply because it can cover the most common liability one can face. The longer you are in business, the more risks you can encounter.
While having general liability insurance is not law, it is highly recommended by everyone, no matter who you go to for insurance. Everyone will tell you that as a business owner if you don’t invest in any other insurance policy, invest in this one. It may not cover everything you need, but it can cover a lot.
Depending on the type of business you have, you may need additional coverage such as our umbrella policy. This policy is an add-on to an existing policy that can cover gaps that your original policy does not cover.
Contact Texas Insurance Agency Today
When you need high-quality insurance coverage, Texas Insurance Agency has what you need. We have access to hundreds of policies by many different insurance agencies. We can provide you with a free quote, so you know exactly what you are paying.
You worked hard for your business. Don’t risk it all simply because you did not have coverage or enough coverage. Not only will we work with you in finding the right property coverage, but we can also help make sure you are covered everywhere else in your business. Give us a call, or visit us in North Houston. Texas Insurance Agency has exactly what you are looking for when you need Houston, TX business property insurance.
Fun Facts for Houston, TX
- The city’s name came from the military commander and politician Sam Houston.
- Houston is one of the most active ports in the entire country.
- Houston was the state’s first capital back in 1837.