Owning and operating a business with Pearland TX umbrella liability insurance at your side is the absolute best way to keep yourself protected from the formalities of a workplace incident. Texas Insurance Agency has been in business for years. As a result, we know all of the best business practices that keep our customers happy.
Therefore, there is no team better to choose than our team here at Texas Insurance. We pride ourselves on being one of the most comprehensive teams around that provide insurance.
Our rates are affordable and easy to understand. As insurance holders ourselves, we often look around to find companies that offer affordable rates and quality policies. So, if we’re looking for this ourselves, why wouldn’t we offer that to our own customers?
However, we understand that it might be hard to decipher a good business policy from a bad one. There are many gimmicks and facades out there, making it harder for customers who want a reliable team to find one.
How we can help
With Texas Insurance at your side, we can help you sit and sort through policy holders that have your best interest at heart. Truly, we will take the time to sit and figure it out with you. Our priority is always to our customer’s needs and wants. As a result, we have been able to keep ourselves in business for years to come due to our superior service.
Our fundamentals are set in stone, and we don’t plan on changing them anytime soon. At our core, we always try our best to actively listen to customers and make changes for the benefit of them too. We couldn’t have remained successful through the years without our plethora of loyal customers at our side.
While in the future we may grow and expand beyond our confines, we still seek to provide the highest quality service we possibly can. Our entire team wants to help you keep your business as successful as possible. So, give us a call directly to learn more about how we can help you.
What is Pearland TX umbrella liability insurance?
Umbrella insurance is a policy that will provide you with extra protection beyond what any general liability policy will normally do. At the very least, you should have at least a basic policy on hand. But, as an added layer of protection, it is best to add on a policy that allows for more wiggle room. Umbrella insurance is a policy that can do just that.
Umbrella policies help protect you from:
- Workers compensation and other related injuries
- Property damage to your building and others
- Very specific lawsuits that come about
- Personal liability like libel/slander cases
It’s best to use any additional coverage that you can. Basic plans do protect you, but they do have limitations on them for a reason.
For example, let’s say Jimmy ends up in an accident at your business. If you have an umbrella policy on hand, it can protect you from having to pay the legal fees out of pocket yourself. If your policy only covers $20,000, but the injuries sustained cost $30,000.
Your policy limit will run out at $20,000, and without another policy on hand, you are responsible for paying the rest on your own. But, with an umbrella policy, you can extend your coverage with an agreed-upon maximum and stay worry-free the rest of the time.
Easily, you can see why a policy like this is extremely beneficial to you. If you would like to learn more about your policy and what coverage you might qualify for, it is best to call us directly. From there, we can sit down with you and speak about specific limitations and add-ons to your policy.
What does umbrella insurance cover?
Hopefully, now you understand what your policy covers. Depending on the company you work with, you can really make the policy work in any way you want it to. Furthermore, you can have it applied to auto, home, and boat policies you already have in place. If your limit is up on any one of those policies, it might be best to explore this more thoroughly.
More than this, having that added protection covers all angles and ensures that you arent breaking the bank anytime the unexpected happens.
What does this policy not cover?
As with any insurance policy, there are limitations to what you can actually be covered for. Pearland TX umbrella liability insurance is no different. While this policy is great to have, it is worth it to speak with us and find out if it is really worth your money because your policy will not cover everything. We want you to be protected in the ways you’re paying for.
By knowing how you’re protected, you’re just taking one step to make sure that there is no ambiguity when it comes to coverage. Generally, umbrella insurance does not cover the following:
- Your own personal injuries or personal damages
- Any criminal or purposeful actions that result in damage to yourself or another individual
- Laid-out liabilities you may be responsible for in your contracts
Insurance policies are specific, so there are other policies available that can cover these incidents for you. We can meet with you and help you figure out the best policy that will meet your needs. Furthermore, after listening and learning about your specific business, we can help match you with a provider that has everything you want.
Contact Texas Insurance today!
Hopefully, you can now see why pairing with us can help save you money and time spent looking for a policy. We truly care about your business and making sure you have the coverage you need. Our team members like Mallory help make your experience at Texas Insurance that much better.
Pearland TX Fun Facts:
- Pearland stretches across 3 counties
- It is the second-fastest-growing city in Texas
- There are two airports in Pearland
- Downtown Houston is only a short drive away from Pearland
- For more fun facts about Pearland Tx, visit our official website.