Finding Houston TX Insurance for Business Owners can be tricky when you don’t know where to start. That is why Texas Insurance Agency is here to help. We strive to offer the best insurance products at the best rates. That is why you can rely on our insurance agents to find the right policies for your business. Contact us today for a free business insurance quote!

Get the best coverage at the best rates with Texas Insurance Agency.

If you run a business, no matter the size, there are certain insurance products you need to have in place to ensure your company stays protected. Some of these insurance policies are required by law, especially here in Texas. However, the majority of them are there to offer coverage as and when you need it.

If you don’t have the right coverage on your side, your business could be at risk. Accidents and incidents are not uncommon, especially in the workplace. With that in mind, business insurance is here to protect your business from being hit with large financial losses. To learn more about how business insurance can help keep you and your business protected, call Texas Insurance Agency today.

What Insurance do I need for my Business?

As previously mentioned, some insurance policies are required by law. For example, any business with employees is required to have the following:

Workers Compensation
Unemployment
Disability Insurance

Workers Compensation

Workers’ compensation insures your business/company against workplace accidents and injuries. Unfortunately, it’s not uncommon for employees to suffer mishaps while on the clock. However, with the right coverage on your side, you won’t have to worry about being held financially liable.

Workers Compensation is there to cover the cost of medical bills, if needed, and will also cover any lost wages. If the injury is serious, your employee may need to take some time off work. They will be compensated for the wages lost during this time via your insurance policy.

What’s more, when you have a workers compensation policy in place, you won’t need to worry about an employee seeking legal action as a result of their injury. If you’re interested in taking out this type of coverage, speak with Texas Insurance Agency today.

Unemployment Insurance

This insurance type is essential for small business owners. However, it can benefit both small and medium-sized businesses alike. Laying off an employee can be difficult, especially when it’s not something you want to do. However, you can make the situation a little better for both you and your employee by having unemployment insurance.

This insurance type is there to ensure your former employee is properly supported in their transition to unemployment and while they seek a new job. Make sure you have the right Houston TX Insurance for Business Owners by calling Texas Insurance Agency.

You won’t find better Houston TX Insurance for Business Owners.

Additional Insurance Coverage

In addition to required insurance policies, there are several other coverages you can seek out for your business. Some insurance types are more common than others and offer incredible benefits for your business. These insurance types include:

General Liability Insurance
Professional Liability Insurance
Commercial Property Insurance
Product Liability Insurance

General Liability: The Coverage it offers

A General Liability Insurance policy, or GLI policy, can be taken out by any type of business and any size of business. This coverage type protects against a range of concerns that your business faces on a day-to-day basis. Some of these more common concerns include medical expenses, property damage, and bodily injury.

If somebody takes out a claim against your business for these or any other reasons, GLI can keep your business protected. Liability claims are common and can happen at any time. With that in mind, you should consider taking out this policy as soon as you open your business. However, if you have been running your business for a while without this type of protection, don’t wait any longer.

You may have already suffered a financial loss due to a claim. If you’re hoping to avoid another one, call Texas Insurance Agency today. Liability claims can be incredibly costly, especially for small businesses. The average cost of a claim if a customer slips and falls in your business is $20,000. Don’t risk your business; call our trusted insurance agents today! We’ll ensure you have the right liability insurance on your side, so you never have to worry about paying out of pocket.

Commercial Property: The Coverage it offers

Whether you own a building, lease one, or work from home. Every business needs property insurance. This is one of the core coverage in a BOP. A BOP or Business Owners Policy allows you to bundle certain business policies for a cheaper rate than if you were to take out these policies separately.

However, BOPs are generally designed for small and medium-sized businesses. To discover if a BOP is right for your business, call Texas Insurance Agency today.

Commercial Property Insurance is there to protect the physical assets of your company. This protection is in place against fires, burst pipes, storms, vandalism, theft, and more. It’s important to note that if you’re looking to cover your assets against earthquakes and floods, you’ll need a separate policy. However, if flood insurance is something you require, our insurance agents can help you find a policy that incorporates this coverage.

The cost of commercial property insurance will depend on several factors. This could include things such as the location of your business and the industry you work in. Although, cost should never be a cause for concern when you choose to work with Texas Insurance Agency.

Our team strives to get the very best deals for our customers. So no matter which policy you’re looking for, you can trust you’ll receive coverage at a great rate.

Insure your business today by giving us a call!