If you want to keep your business as protected as possible, look into purchasing Pearland TX commercial umbrella insurance today! Texas Insurance Agency is one of the top agencies in the Houston area. As a result, we are partnered with some of the best Insurance agencies around, over 10 to be exact. your business is important to you.
Having a comprehensive insurance plan on hand can make sure it stays that way. It is best to make sure that you’re protected at all times. There are so many different types of insurance out there that it is far too easy to become overwhelmed by the selection.
That is why agencies such as ours exist. We make it a point to explain all policies to your customers in an easy-to-understand way. With our team at hand, you’ll always know the ways you’re protected with us. Moreover, we always actively listen to our customer’s needs and wants. We wouldn’t be the business we are today without our customers.
As a result, we make sure that the changes you want to see are always possible. So as we begin to expand beyond the confines of what we know is possible, we will strive to make sure that we still keep our promise to you at the forefront of our business.
There are many risks to your business, and there are even more you might not think of until it’s too late. So, you need a company like ours to help you out.
If you have any more questions about Pearland TX commercial umbrella insurance, give our team a call. It is our duty to serve you in the best ways possible. Visit our team to speak with us directly, or keep reading to learn more.
What is Pearland TX commercial umbrella insurance?
Umbrella Insurance is a policy that is covered under general liability insurance, also called business liability insurance. It is an additional policy that allows for the maximum coverage options possible. Umbrella insurance protects your assets and your business from accidents that threaten your productivity. More than this, any legal fees that you are responsible for can be covered under an umbrella policy as well.
If you don’t want to be held responsible for out-of-pocket costs, umbrella coverage is the plan to choose. Finally, umbrella coverage prevents you from paying for things that are outside of your policy limit for general liability coverage. Any claim outside of your coverage limit can include:
- Legal fees
- Medical Bills
- Property damage
- Judgments and settlements made by the courts
If you would like to feel protected from all angles, then choosing a Pearland TX commercial umbrella policy is your best possible option. We can help you choose the right plan for you!
How does commercial umbrella insurance work?
Your agency’s commercial umbrella policy will work to extend the limits on your already-in-place general liability policy. It is good to note that you do need this baseline policy on hand in order to add more coverage.
A general liability or business liability policy will most likely be the plan you already have. All commercial umbrella policies are made to be flexible in the coverage they provide. Moreover, depending on the agency you partner with, you’ll be able to negotiate your policy limits as well.
Furthermore, commercial umbrella insurance extends the life of other policies. This means when they run out; umbrella insurance swoops in to bring them back to life. Without a commercial umbrella policy, most people are left to pay out-of-pocket costs for the coverage it provides. For higher-risk businesses, this is important to avoid.
Do I need a commercial umbrella policy?
The simple answer is no. However, if you operate a high-risk business, Pearland TX commercial umbrella insurance is the best policy to equip your business with. If you interact with more customers daily or own and operate heavy machinery, it is best that you use this policy to keep your business and your customers protected.
More than this, with high-risk businesses, the risks of lawsuits increase ten-fold. Accidents and injury are a risk at any business, no matter if you see it as dangerous or not. A client can easily trip over your bag and fall down a flight of stairs. An umbrella policy will cover their medical fees and your legal costs if they sue you.
Therefore, as you can see, it is better to be safe than sorry. As a business owner, it is your job to keep everyone protected. More than this, you knowingly have an obligation to make sure that all of your employees and clients are as safe as possible in your business.
How much will my policy cost?
Every policy cost will differ. Pricing depends on various factors that will be decided upon once you meet with our team. These factors include:
- The amount of coverage you already have on your general liability policy
- The type of business you own. As we said before, high-risk businesses come with more potential accidents. As a result, their premiums are usually higher.
- Finally, the costs will depend on the size of your business too. Small businesses will have a lower rate of coverage but may miss out on some benefits that large businesses have.
In any event, keeping your business protected should be a priority. So contact Texas Insurance today to explore all the ways we can help you do just that. Not every business is a high risk, so we work hard to make sure that you aren’t paying more for a policy you don’t truly need.
Our agents will be able to meet with you and learn more about you, your business, and your goals. From there, they’ll match you with an agency that meets everything you’re looking for perfectly.
Affordability and great service are what have kept us in business for so long. If you need help finding a policy, give our team a call today at 281-398-1010. From there, all you’ll experience is great rates and service! For the best Pearland TX commercial umbrella insurance, call us now!
Pearland TX Fun Facts:
- Houston is one of the busiest port cities in the nation.
- The Texas Medical Center is the largest in the world.
- In the late-1830s, Houston was the capital of Texas.
- Houston has an underground tunnel system.
- For more information about Houston, TX, visit the city’s website.