With Texas Insurance Agency, you are guaranteed to obtain exceptional policies from our independent insurance brokers Katy, TX. Compared to agents who work solely for the insurance company they’re under, we work for our community. As independent insurance brokers Katy, TX, we have access to tons of policies on the market and will present you with the one that works entirely in your favor.
It’s important to understand why people buy insurance. Rather than having to shoulder mountains of costs and bills on your own, you will be able to pay only a tiny portion. This is because affordable monthly or quarterly premiums have already taken care of that for you.
From your company to your family, our independent insurance brokers Katy, TX are able to find the right policies for you.
A Circle Of Protection For Your Company
As the owner of your company, you’ve probably already invested a large amount of time and money. From the planning stages to the current remarkable state of your business, countless hours and sleepless nights were required to make this happen. But what happens if an accident occurs?
There’s a common saying that fits this situation: “don’t put all your eggs in one basket.” If most of your financial investments and personal achievements are closely attached to the well-being of your company, it’s best to protect them. General liability, workers’ compensation, and trucking and transportation insurance are the most common protection plans.
Companies of all sizes are guaranteed to benefit from this plan. Although not required by the law in the State of Texas, many business owners will opt to acquire this plan.
Unlike what most would believe, it is not uncommon for business owners in the State of Texas to get sued for one of these reasons:
- Personal injury
- Advertising injury
- Property damage
- Bodily injury
Based on data reported by Forbes and other sources in 2021, 36% to 53% of small businesses in the country are sued each year. On top of this number, 43% of small businesses are threatened with a lawsuit by different sources every year.
No company is completely immune from lawsuits, especially smaller ones. The party in charge of suing may be a customer, business partner, or even a trusted employee. To save yourself from losses caused by lawsuits, this plan has the ability to cover attorney fees, settlements, and other legal fees.
Accidents happen, and sometimes they occur in workplaces. Under the scope of employment, injuries and illnesses incurred on duty are greatly covered. Employees will have their medical expenses and lost wages covered under this policy.
This plan benefits not only the employees but the employer as well. Just like the plan mentioned above, legal fees associated with lawsuits related to worker injury are significantly covered.
Trucking and Transportation
Compared to driving around a regular, the risks associated with operating an 18-wheeler is incredibly high. If your company owns trucks or specializes in using them to transport products and goods, you have to sign up for this policy. Several factors are considered when our independent insurance brokers Katy, TX look for policies that benefit our customers:
- List of potential risks involved
- The type of cargo being transported
- The truck driver’s years of driving experience
- The type of truck you need covering
It’s essential to consider all details before deciding on the plan. The goal is to find a plan that can adequately provide coverage for the type of truck and cargo you have. If you hastily decide on a policy, you will very likely pick one that doesn’t have the coverage you want.
When you decide on a plan that fits your needs, you can start receiving coverage for various things:
- Medical bills
- Workers’ comp
- Repair costs
- Rental expenses
Plan Ahead For The Little Ones
Despite spending a great deal of time in your company, you will always feel the happiest at home with your kids. Even though you may think you’re making all the right choices to benefit your family, you’re at great risk by not getting proper coverage.
- Life – Our daily lives are filled with unexpected events. Some can be seen as blessings, while others are great misfortunes. Find a policy that fits to ensure that your family won’t have to carry any immense financial burdens from your passing. Funeral expenses are for sure covered, but other costs are as well. Coverage includes replacing lost income, paying off debts, covering living expenses, and paying for college tuition.
- Auto – No matter the size of your vehicle, having proper auto coverage will help immensely. More importantly, it is required by Texas law that all drivers have either full coverage or liability auto insurance. Depending on the policy, you may be able to save big even in minor accidents.
We encourage all homeowners to take action and protect their property. If you own a home, both homeowners insurance and flood insurance cannot be overlooked. With the unpredictable weather in Texas, it is always better to plan ahead with a protection plan.
Independent Insurance Brokers Katy, TX Care About The Community
Our agency started out in Katy many years ago and successfully expanded our services to other cities in the Greater Houston area. For our independent insurance brokers Katy, TX, finding the right policy for our customers is far more important than anything. The better protected the residents of our community, the happier we’ll be.
We are partners with numerous companies with some of the most effective policies on the market:
- Liberty Mutual
- Homeowners of America
- The Hartford
- National Flood Insurance Program (NFIP)
- Texas Windstorm Insurance Association (TWIA)
- Texas Mutual
Start the process by filling out our online form, contacting us, or visiting our office in Katy today. Leave it to our independent insurance brokers Katy, TX to find the right policy that benefits you.
Katy, TX Fun Facts
- The city was incorporated in 1945.
- Katy is located at the three-border intersection between three counties.
- The city was known as “Cane Island.”