There are several Houston TX construction insurance companies out there. However, none will offer you the same level of coverage at the same great rates as Texas Insurance Agency. We have been in the insurance game for years now. With that in mind, you can be confident our agents have the knowledge and experience to find you the precise coverage you need.
We proudly offer our services for both personal and commercial insurance and strive to find the best rates for our clients. Many people suffer from the misconception that insurance is too expensive. However, this isn’t always the case. In fact, when you only pay for the coverage you need, you can have the protection you deserve at a rate that fits your budget.
Far too often do people have coverages under their insurance policy that they don’t need. Additionally, it’s rarely common for people not to have the right coverage. If this is the case, you’ll be out of pocket, and your livelihood could be at risk. Don’t pay for any more than you need to, and make sure you have the protection your business needs by calling Texas Insurance Agency today.
As an insurance brokerage, we don’t work for the insurance providers; we work for our clients. Consequently, you can be confident that our agents will help you find a policy that fits your needs. No matter the coverage you require for your contractor’s insurance, know that we’re here to help.
Call today and see what makes us different from other Houston TX Construction Insurance Companies.
Houston TX Construction Insurance Companies
There are several coverage options you need to consider as a business owner. Additionally, there are specific coverages needed in some industries that aren’t necessary for others. If you want to make sure you have the best protection for you, your employees, and your business, you need to be sure you consider all the policies available to you.
Being in the construction industry, contractors’ insurance is a must. This policy can help protect you in the event of an accident during a construction project. Every industry poses health and safety hazards. However, construction is an industry that holds more safety concerns than others.
Heavy-duty equipment and tools pose safety threats, and the job site itself could be a safety concern. With that in mind, you need to be sure you have professional liability coverage under your policy.
General Liability Insurance is just one of many policies designed to protect business owners and their companies. It can prevent clients, business partners, and even employees from taking out claims against you. These claims could be due to an injury they have suffered or due to damage done to their property.
Additional claims can come from other construction companies claiming libel or slander against you. Advertising injuries are another common issue that businesses face every day. If you don’t want to drown in legal and medical fees, then you need to have the right coverage to protect you against these lawsuits. Call Texas Insurance Agency today and ask about your options regarding liability insurance.
Business Insurance for Contractors
As previously mentioned, there are various insurance products you should consider as a business owner in the construction field. Some of those policies include the following:
- Builders Risk Insurance
- Workers Compensation Insurance
- Small Business Insurance
- Commercial Auto Insurance
- Business Owners Policy
Above are just some of the insurance solutions you have available to you. In addition to the various policies, there are also many coverages you can get under these policies. Tools and equipment is just one of many coverages you will find beneficial for your business. Many policies offer coverage for tools and equipment. However, you won’t find a policy that provides more than $500 in coverage.
Depending on the job you’re working on and the equipment you’re using, this may not even be close to enough coverage. That is why having additional tools and equipment coverage is such a good idea. Generators, nail guns, welders, and so many more vital tools of your craft will be protected under this coverage type.
If you run a team of employees, having workers comp is a must. These policies are designed to protect both employers and employees. Moreover, it is crucial for any company, regardless of the industry you work in. As an employer, you have a responsibility to provide your workers with coverage. As a result, they can confidently carry out their work, knowing if an accident occurs, they’re covered.
This insurance type will cover bodily injuries sustained on the job. So, if an employee suffers an accident, your worker’s compensation policy will cover their medical fees, lost wages due to time off, and also employee rehabilitation costs. In return, your employee won’t be allowed to make a claim against their boss or sue their company. So, not only will you avoid a legal case and the fees that come with them, but you also won’t be out of pocket if a worker gets hurt on site.
Small Business Insurance
If you have a smaller construction company with few employees, you may be eligible for small business insurance. This insurance type provides you with all the same coverage as other business insurance policies but at a lower rate. So, you’ll still benefit from the protection against lawsuits, claims, and expensive costs for other accidents.
Natural disasters and professional errors are also covered under small business insurance. Call our team today if you’d like to learn more about this coverage and the options available to you as a business owner.
We will ensure you have the right policies in place to protect you, your employees, and your business. When you’re looking for Houston TX Construction Insurance Companies, look no further than Texas Insurance Agency.
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