If you’re a business owner looking for Houston TX Commercial Restaurant Insurance, look no further! Texas Insurance Agency is your one-stop shop for all things insurance policy-related.
It can be so stressful running a business, especially in the bar and restaurant service industry. That’s why here at Texas Insurance Agency, we want to handle the pesky inconvenience of finding your business insurance.
Nothing is more annoying than needing to find the right insurance policy for your company. As a business owner, you have so much to worry about. So why concern yourself with trying to hunt for the best policy to protect your business?
Not only your business needs insurance protection, but so do your employees! This will ensure that you don’t get slapped with lawsuits or are liable for any kind of damages.
Put your faith in us; after all, we’ve been in the business for over forty years!
History of Houston
The beautiful city of Houston, Texas, sure is a large one. With a population of 2.31 million as of 2019, it’s getting bigger by the second!
Of course, with a large population in such a food-loving city, there’s bound to be plenty of service industry employees.
These employees will certainly require a level of commercial insurance services provided wherever they may be employed.
As for you, the Texas business owner, you’ll have to provide your employees with proper insurance in Texas. Including things such as workers comp and more.
However, these types of business insurance requirements in Texas are here to protect not only the employee but you, as the owner!
Houston TX Commercial Restaurant Insurance has never been easier to find than with us at Texas Insurance Agency.
What Kind of Insurance Do I Need?
Because we offer such an extensive list of insurances provided, both commercial and personal, it can be hard to tell which is right for you,
As a business owner, we suggest some of the following commercial insurance policies, including:
- Business Insurance
- Oil and Gas
- Commercial Auto
With such a wide array of policy types, it can be difficult to see which is right for you. That’s why we’re here to help you navigate any needs or questions!
When dealing with Houston TX Commercial Restaurant Insurance, the best option to go with for insurance will be the Business Insurance policy.
This policy is exclusively for businesses, big or small, but typically those involved in the service industry or retail.
What exactly is the business insurance policy?
The business insurance policy provides a lot for service industry company’s and businesses. It covers the cost of repairs for:
- Physical location
- Computers and electronics used
- Accounts receivable
More so, business insurance can also replace lost wages for employees who have suffered from a workplace injury. It even covers the time-off the said employee requires to recover.
What this means for you is that any lost wages will not be coming out of your pocket. This is excellent news for any business owner to hear.
Having business insurance is highly vital, regardless of whether or not your business is big or small. In multiple states, specific coverage amounts are required by law if you’re a business owner.
One of these is worker’s compensation insurance.
Worker’s compensation and its importance
Worker’s compensation is a government-required system that pays monetary benefits to individuals injured on the job. Specifically injured in the workplace.
Furthermore, this compensation is given to the injured as well as those who may have left with a permanent disability from a said workplace accident. Worker’s compensation is claimable when the injury or accident occurred as a result of the job.
Secondly, you will not be sued by your employee if you have this type of coverage. The employee is legally not allowed to sue the business for negligence.
This is known as a compensation bargain. Compensation bargains exist to protect the employer and the employee. The recourse would be to demand payment or compensation; additionally, something is given up when the employer agrees to a worker’s compensation policy.
Houston TX Commercial Restaurant Insurance makes sure you don’t have to pay out of pocket in the event that accidents do happen on the job to your employees.
Many compensation policies will provide full coverage on medical fees related to the said injury sustained by the worker. This type of compensation is only claimable when the injury is sustained at work.
For example, say your employee gets into a car accident en route to their job. Worker’s compensation is not qualifiable in this circumstance. On the opposing side, if the injury occurred when driving on the job, the employee would be liable for compensation.
Lastly, if your employee is on medical leave due to a work-related injury, they may also claim worker’s compensation. All of this sounds exceptionally expensive; you certainly don’t want it to come out of your pocket!
Liability insurance explained
Another factor into business insurance plans? Liability insurance. This type of insurance is in place to help with any legal fees associated with lawsuits.
Particularly; lawsuits filed against either your business or you individually. Without this liability insurance, you’re looking at paying thousands of dollars in fees from your own pocket.
General liability insurance, or GLI, will protect you and your business against these types of claims. Whether it’s an employee or customer filling the said claim, a GLI will protect you.
GLI protection claims include things such as bodily injury, property damage, or even advertising mistakes.
There are no reasons why your business should falter because of something as minuscule as neglecting to find proper insurance.
As a business owner of a bar, restaurant, or retail business, you don’t have to worry about the right insurance policies any longer.
Call our wonderful and knowledgeable agents today to find out what coverage is best for you and your business, (281)-398-1010. We strive to help you discover the right insurance policy, so you don’t lose everything you’ve created in a lawsuit that could’ve been prevented.
They say that knowledge is power, and when it comes down to insurance, it most certainly is. It can be the difference between a prominent, successful business and a loss of everything in a petty suit.
Houston TX Commercial Restaurant Insurance at Texas Insurance Agency will set you up for premium business success.
Fun Facts of Houston
- Home of the famous and beloved Houston Rockets team.
- Houston has surpassed LA and NYC as the most ethnically diverse metropolitan area in the United States.
- Residents in Houston eat out more than anyone else in the country on a weekly basis!
- For more fun facts, visit their official website!