Get peace of mind with Houston, TX farmers & mechanics insurance. Texas Insurance Agency is not your typical insurance company. We are an agency that has partnered with many other companies to help bring all our customers the best insurance policies. We have highly educated agents that have a full understanding of how insurance works.
Our agency provides both commercial and personal insurance including general liability, contractors, business, homeowners, life, renters, auto and so much more. We provide high-quality service to Brazoria County, Montgomery County, Harris County, and Fort Bend County. We have several locations in Katy, Pearland, The Woodlands, and Houston. Give us a call to set up an appointment or come visit us.
With us, we are sure to provide the best and most affordable Houston, TX farmers & mechanics insurance.
Houston, TX Farmers & Mechanics Insurance
These days, insurance is important to have. No matter what you do, who you are, if you own something expensive or run a business, chances are your want to insure it. Having insurance is your safety net if something goes wrong. Without it, it can leave someone in financial ruin.
It may seem ridiculous to some, but people can lose what they worked hard for all because of a natural disaster, a liability claim, and even because of theft and vandalism. If something happens to your farm or mechanic shop that causes you to lose a lot of money, you want a fail-safe to fall back on.
Insurance companies can offer farmers and mechanics specific to their needs. For example, a farmer can have general liability insurance for their workers. However, if anything happens to the farmer’s crops or animals, general liability is not going to provide any benefit. Similarly, farmer’s insurance won’t give much benefit to someone who owns an auto repair shop.
When searching for an insurance policy, you want a policy that is related to what you are insuring.
Insurance for Farmers
There are a few policies that farmers should look into. A policy for a dwelling or home is one of the first policies to consider. If your home is located on the property you work on you want to protect it against damages in storms such as hail, wind, or fire.
While you may already have homeowners insurance, it may not cover it simply because your home is also considered a business. It is kind of like using your personal vehicle as a commercial vehicle. Just because you have personal auto insurance for your vehicle, it may not fully be covered for commercial purposes.
Another policy to consider is farm liability protection. If you have workers, you want to make sure you have protection in case they are injured while working for you. Costs such as medical bills lost wages, and possibly even legal fees will need to be covered.
Barn insurance and outbuilding coverage are for protecting outdoor buildings that are related to your farm. This can include buildings such as your barn, silos, garages, sheds, etc.
Lastly, your farm equipment is also important to insure. If anything were to happen to your equipment, such as damage to an accident, vandalism, theft, etc., you want to make sure they are protected. Without your equipment, your farm probably will not be successful.
Insurance for Mechanics
Whether you are a small or large auto shop, you need insurance. Retail tire dealers, auto repair shops, body repair shops, collision centers, garages, and even auto sound and communications installations/repair shops all need insurance for mechanics. To sum it all up, if you work on or improve vehicles for customers in any way, shape, or form, chances are you probably need this type of insurance.
There are policies that will specifically protect tools, equipment, the shop’s vehicles, customers’ vehicles, employees, and customers themselves. Some of these policies can also protect against theft and vandalism.
However, no matter what type of business, one of the first policies that must be implemented is business insurance. Business insurance can include worker’s compensation and liability insurance. You may also want to consider purchasing a policy specifically for your building. Much like the farmer’s housing insurance, you want to protect your structure against natural disasters such as fires, storms, high winds, etc.
Is Business Insurance Mandatory in Texas
Business insurance is not required by law in Texas. In reality, workers’ compensation is not required either by small businesses. However, we do want to pose the question is it really worth the risk?
Say, for instance, an employee is hurt on the job. They decide to take you to court over it. There typically is an investigation. If, in the investigation, they find that you or your business is at fault, you could be responsible for paying for the injured worker’s medical bills, lost wages, and even their legal fees.
With insurance, even if you or your business is technically held responsible, all of those expenses can be covered. No one can prepare for everything. No one can make sure that accidents do not happen. Therefore, you want to make sure you are prepared for the times that something bad happens and you don’t end up losing your business.
Contact Texas Insurance Agency Today
If you want to make sure you are fully covered and have the most cost-effective options available, then call Texas Insurance Agency today. We can help you find the right policy no matter what your business is. Whether you are just starting out or you have a large corporation, it is never a bad time to make sure you are fully covered.
It is always a good idea to review your policies every so often with a professional agent. They can review your business criteria and your policy and make sure that you have everything you need.
Perhaps your business has grown in the last few years, and you need more coverage for more workers or more equipment. We can review your existing policy to see if anything needs to be added.
Likewise, maybe you decided to downgrade, and you are paying for policies that you no longer need. We can see where you can cut back and maybe put that money into a much more cost-effective policy with better premiums.
For Houston, TX farmers & mechanics insurance call the experts at Texas Insurance Agency.
Fun Facts for Houston, TX
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