September 20, 2023

Umbrella Liability Insurance | Houston, TX

At Texas Insurance Agency, we know that it can be hard to figure out umbrella liability insurance Houston, TX. This type of extra security gives your business or personal needs an extra layer of safety.

Imagine an umbrella that protects you from weather that could cause you to be liable. This is what umbrella liability insurance does. It’s used when other types of insurance, like general liability or renters insurance, have reached their limits.

umbrella liability insurance Houston, TX

Learn how your business can benefit from umbrella liability insurance. Let our team show you how it can make a difference.

Who Needs Umbrella Liability Insurance Houston, TX?

Due to the wide range of possible liabilities, Texas Insurance Agency recommends this coverage for everyone, both people and companies. As the owner of a business, this insurance is even more important because it covers both you and your business. It protects your business’s money, your personal property, and even your future income.

If you own land or sometimes do things that could hurt other people, like throwing parties, having a swimming pool, or even just having a pet, you need umbrella insurance. Why? Because it protects you from claims that could put you out of business. It also saves you from claims that usually aren’t covered, like slander, invasion of privacy, or being wrongfully arrested.

At Texas Insurance Agency, we try to offer complete options for both business and personal insurance. We’ve been in the insurance business in Texas for decades, so we know how it works and are ready to help you find the right insurance for you. Our main benefits are that we understand your insurance needs and work hard to make sure our customers are happy.

We’re proud of our ability to make unique policies, evaluate risk factors carefully, and offer competitive premium rates. We’re here to help you find the best safety net for your business. We’ll look at a lot of insurance companies and plans to find the right one for you.

We make sure you’re covered whether you’re looking for liability, property, workers’ compensation, or commercial auto insurance. We do this by focusing on your specific needs and building strong partnerships with a wide network of top-rated insurance providers.

We also have a team of experts who are here to help you figure out the complicated world of personal umbrella insurance. No matter what kind of insurance you need—flood, car, boat, or homeowners insurance—we will do everything we can to protect your interests.

Why Choose Us?

If you live in Houston, TX, and you want umbrella liability insurance, there are many reasons to choose us. This is why:

  • Expert Advice: Insurance can be hard to understand. Our team of experienced professionals can help you choose the right insurance plans, understand how they work, and manage them.
  • Customer Support: We are known for having the best customer service. We are with you every step of the way, from choosing a policy to getting a claim paid to getting a new policy.
  • Tailored coverage: We know that every person and business is different. Our custom insurance helps you stay safe from the risks you face.
  • Competitive Prices: We work with a lot of different insurance companies. This helps keep our prices low for our customers.
  • A proactive approach: We don’t just sell insurance. We also prepare you for possible dangers with a complete risk management plan.
umbrella liability insurance Houston, TX

We can help you figure out exactly which umbrella liability insurance plan you need. Call us today!

What Commercial Umbrella General Liability Insurance Covers and How It Can Help Businesses

Commercial umbrella general liability insurance gives more protection than a regular business liability policy. This kind of insurance is a safety net that kicks in when a business gets sued for more than its main policy covers. To make smart decisions about how to protect your business’s finances, you need to know what this insurance covers and what kinds of businesses can benefit from it.

What Does General Liability Insurance for Commercial Umbrella Cover?

Commercial umbrella general liability insurance covers a wide range of costs linked to liability that your business might have to pay in the event of a lawsuit. This could mean:

  • Legal defense costs: These are the costs of defending your business in court, which can quickly add up, especially in cases that are complicated.
  • Settlements and judgments: If your business is found to be at blame for damages, the court may order you to pay the person who was hurt. Depending on how bad the injury or damage is, this amount could be more than what a main liability coverage will cover.
  • Business Interruption: This part covers income your business might lose because of a case or damage.
  • Miscellaneous Costs: These include things like medical bills, damage to your image, being wrongfully evicted, being wrongfully arrested, or having your privacy invaded, among other things.

Which businesses can benefit from Commercial Umbrella General Liability Insurance?

No matter how big or small a business is or what it does, it can benefit from commercial cover general liability insurance.

  • Companies with a lot of assets: These should think about this umbrella policy to protect their assets from claims that could put them out of business.
  • High-risk industries: Businesses in industries like building, manufacturing, and healthcare, which are seen as high-risk, often have to deal with bigger and more expensive liability claims.
  • Exposed to the Public: If you work in a field where you deal with the public a lot, like retail or hospitality, you are more likely to get sued for personal injury or property damage.
  • Involved in Contracts: Many contracts require a certain amount of liability coverage. A business can meet these contractual duties with the help of an umbrella policy.
  • Networking on a global scale: A commercial umbrella policy can help businesses that have operations or risks outside the area covered by their main policy.
umbrella liability insurance Houston, TX

Working with Texas Insurance Agency means you will have the best team of agents working with you. Get umbrella liability insurance today!

Get the Insurance You Need Today

We care most about giving you peace of mind. Texas Insurance Agency is dedicated to giving you the best insurance coverage, customer service, and advice for all of your needs. If you need umbrella liability insurance or any other kind of personal or business insurance, you can count on us to help you find the right coverage. Get a free price or consultation by getting in touch with us today.

Getting umbrella liability insurance Houston, TX, is a good way to protect your finances. But it’s just as important to make sure you’re working with a reputable, experienced, and reliable insurance firm.

That’s why, at Texas Insurance Agency, we’re committed to helping you protect your personal and business interests with custom, all-around insurance options. So, contact us at our Houston location, and let’s take those important steps together to protect your future from any possible risks.

Fun Facts About Houston, TX:

  • Houston was founded on August 30, 1836.
  • From 1837 to 1839, Houston was the brief capital of Texas.
  • The Texas Medical Center was started in Houston.

Our Partners

We are pleased to partner with these companies to bring you the best coverage at the lowest rates available.