If you want to provide your business with extra coverage, then look into purchasing Houston TX commercial umbrella insurance! Texas Insurance agency prides itself on providing the absolute best services around. We have been in business for over 10 years, and as a result, we have the knowledge and the skill set necessary to provide you with all the information you need to choose the right insurance plan.
Having a comprehensive business plan in place is the best way to keep your business effectively protected. More than this, it makes sure that you don’t have to pay any legal fees on your own.
Many insurance agencies actually live off of scamming people into purchasing their policies. As a result, you end up with a plan that you don’t understand and can’t get out of until it expires. However, you won’t find that with us.
We offer real results and real plans that all of our customers are more than happy with. With our team at hand, you will always have access to the best possible agencies around that care for you just like we do. without our customers, we wouldn’t be the business that we are today.
As a result, any changes that we make are for the betterment of you. By actively listening to your needs and wants, we continue to become a bigger and better company every single day.
You Need Insurance!
Surprisingly, many businesses opt out of choosing a comprehensive insurance plan. Mostly because they don’t actually understand how it works. As a result, you leave yourself unprotected and in harm’s way for potential threats and lawsuits. Having Houston TX commercial umbrella coverage adds a little extra cushion to your business that you might not have had previously.
What is Houston TX commercial umbrella insurance?
Umbrella insurance is a policy covered under general liability insurance, which is also commonly referred to as business insurance. It is a policy that you can add to an already in place plan to add more coverage and protection for your business and employees.
At the core of this policy, you are protected financially from legal costs and fees that come with a lawsuit. Moreover, you are able to effectively protect your customers in the event they are injured at your business and need help covering the costs.
So, overall, umbrella insurance protects your assets and your business from potential threats. Without a policy like this on hand, you are legally responsible for any out-of-pocket costs that you incur.
These costs can range from a couple of hundred dollars to a couple thousand depending on the threat. So, it is more than important to have a policy like this on hand to keep you protected.
Furthermore, umbrella coverage adds to your in-place coverage limit as well. Any claim outside of your limit can include:
- Legal fees
- Medical Bills
- Property Damage
- Judgments and settlements
If you want your business to be as protected as possible, then choose a Houston TX commercial umbrella policy that works best for you.
How does commercial umbrella insurance work?
Your umbrella insurance policy will work to extend an already in place policy. Knowing this, you actually have to have a basic coverage policy already for this to work. The common policy most businesses should have is a general liability policy. Therefore, it is much easier to speak what your agent about adding extra coverage.
More than this, commercial umbrella policies are quite flexible. Depending on who you work with, you can easily negotiate add-ons and policy limits with the agency. By extending the life of your other policies, commercial umbrella insurance provides you with many wonderful benefits. When any of your other policies run out of coverage, umbrella policy swoops in to keep you protected on a rainy day.
Without a commercial insurance policy, you will be fully responsible for any out-of-pocket costs that come with a workplace event. If you own a higher-risk business, avoiding all possible fees is vital to your survival as a business.
Do I need an umbrella insurance policy?
Simply, no. An umbrella insurance policy is not required because it is an add-on that only adds extra protection. However, it is a very smart policy to have on hand. With high-risk businesses, Houston TX commercial umbrella insurance is important to have.
Furthermore, if your business deals with people regularly, you are at risk for more claims happening. Even more so, it is much easier for clients to have accidents in a high-traffic business.
Moreover, businesses that operate with heavy machinery are even more at risk of accidents. So, to keep yourself as protected as possible, talk to us about your policy today! Your risk of lawsuits might be minimal, but it is never zero. Any client is well within their rights to file suit against you if they feel they have been compromised in some way.
As you can see, it is always the best policy to be safe rather than sorry. We can keep you protected from the unpredictable! But more than this, it is your job as a business owner to keep your employees protected too. Get started with our team today!
How much will my policy cost?
Like any other insurance plan, the cost will vary depending on many things such as:
- How much coverage you already have in place with a business liability plan
- How big your business is. Small businesses have smaller premiums, but they also have very specific and unique risks that larger businesses do not
- Finally, you have to consider the type of business you own. Higher risk businesses will have a higher premium due to the sheer volume of threats you experience
We take all of this into consideration when looking to match you with the right company. No policy is the same. So, meet with our team today to learn how we can best serve you.
Contact our team!
Finally, if you are ready to protect your business, contact our team today at 281-398-1010. From there, we will get to know and your business’s unique needs. We know the ins and outs of every company we have partnered with. As a result, we know the best policy to choose when you need Houston TX commercial umbrella insurance.
Houston TX Fun Facts:
- The Texas Medical Center is the largest in the world.
- In the late-1830s, Houston was the capital of Texas.
- Houston has an underground tunnel system.
- For more information about Houston, TX, visit the city’s website.