Incidents can happen on the job at any time without notice, so why not stop by Texas Insurance Agency and get independent contractor insurance North Houston, TX? We’re here to help you with all of your insurance needs, whether you’re looking for individual or business coverage.
We believe that it’s better to make contingency plans sooner rather than later so you can prepare for the unexpected. Having independent contractor insurance can help protect you from lawsuits and liabilities. Did you know that having the right insurance policy could determine if you lose or keep your company?
In that case, why not be on the winning team and keep your company? Texas Insurance Agency is in the business of helping companies succeed, so stop by our North Houston office to discuss your insurance needs.
Our talented team of experienced insurance brokers is here to help you navigate the tricky system of insurance providers. There are risks associated with contractors, and we have partnered with the best providers to give you excellent options to combat those risks.
We’ll Help You Find Independent Contractor Insurance North Houston, TX
Insurance coverage is important when you are an independent contractor because most companies won’t be eager to work with contractors who aren’t insured. If there are damages or accidents, someone must be held accountable. A client wouldn’t want to be held responsible for a project a contractor does. That’s why Texas Insurance Agency believes that it is best if you get the right insurance for your business to prevent this sort of problem.
Our insurance brokers are here to help you with insurance coverage so you won’t have to pay out of pocket for expenses. With our help, you can have company vehicles and employees covered with the right policy. Any reasonable business owner will realize the value of having insurance coverage and how it can save you from headaches later.
Contractor insurance covers liability if damage is done to a customer’s property. To begin a client’s project, a company would first need to have a general liability policy. Incidents like faulty work can be covered under this type of policy.
Additionally, you might want to invest in commercial auto insurance. This covers vehicles used out in the field while team members are on the clock. This policy doesn’t cover tools, but it does cover if something comes off the truck while driving. It’s good to know that if your company is small, you may not need worker’s compensation or a business owners policy since those are dependent on the size of a business.
There are many contractor jobs that come with risks, like swimming pool contractors. Texas Insurance Agency is here to provide coverage for these kinds of business owners because they have to use heavy equipment, and their environment is prone to accidents. The company owner can also add a policy for builders risk insurance to have full coverage for their company.
What is Builders Risk Insurance?
Builders risk insurance is a form of insurance used to protect construction companies while working on buildings. It protects the company from fires, theft, vandalism, and adverse weather conditions like hurricanes. After all, wouldn’t it be nice to have coverage for delays that are out of your control, such as sudden thunderstorms?
Weather isn’t something we can control, but we can certainly plan for it. The best way to do so is to buy independent contractor insurance North Houston, TX, and let Texas Insurance Agency help you customize a plan that’s right for your needs.
Depending on your company’s needs, there are some insurance policies that you won’t necessarily need for your business to perform well. We will gladly help you determine the best plans for your company.
Many businesses include worker’s compensation insurance because it is incredibly useful for contractors that have employees. Your employees are valuable and should be taken care of, so we’re here if your team member gets injured, loses wages, or needs to attend rehabilitation.
Tool and Equipment Coverage
Finally, we’ll briefly explain tool and equipment coverage. Some tools are covered in other policies, but there are stipulations on the prices. For example, you may have a tool that is only half-covered by a policy.
Why not go ahead and get full coverage, so you don’t have to pay out of pocket if it gets lost, stolen, or broken? After all, out-of-pocket fees can quickly add up, so it’s easier to protect yourself from these expenses in the first place.
If you are looking for a policy that covers over $500 worth of tools, then a tools and equipment insurance plan is the right pick for your business. It covers supplies such as generators, nail guns, welding equipment, and more.
We are here to protect your business from the hassle of being in debt or paying out of pocket for extra expenses. We are here to save you money by meticulously reviewing the size and the level of coverage you need. We have many options available to your business to meet your needs. As an independent contractor, you should always be aware of all the factors that might affect your business in the long run or presently.
Our Agents Want to Get You Insured!
Texas Insurance Agency operates Monday through Friday, from 8 am to 5 pm. On Saturdays and Sundays, we are available by appointment only. We proudly serve North Houston and the Greater Houston area, including Katy, Pearland, and the Woodlands. Our team of insurance agents wants to support you with any coverage questions or issues you have, so feel free to reach out to us as necessary.
Stop by any of our office locations to discuss your policy options. With our help, you’ll have affordable and reliable independent contractor insurance North Houston, TX.
Fun Facts for North Houston:
- Roughly 150,000 people live in North Houston as of 2020.
- Houston is home to several types of cuisine, including Tex-Mex food.
- Bayou City is one of Houston’s nicknames.