Commercial Insurance

Do you own a business in Texas? Have you considered business insurance to protect your business from the uncertain business environment? If you plan to keep your business open for many years, you should integrate commercial insurance into your risk mitigation plan. With perils like fire, theft, liability claims, and employee injuries, your business is never 100% safe, and that’s why you need a solid commercial insurance policy to protect your business.

Commercial insurance options

When purchasing business insurance in Texas, it’s always good to familiarize yourself with different coverage options to choose those suitable for your business needs. Here are the different commercial insurance coverages you can consider for your business.

• Worker’s comp insurance: If you have employees, injuries and illnesses can occur in the workplace, and these incidences can cost you significant financial losses. If you want to protect your employees from work-related illnesses and injuries, please invest in worker’s comp insurance.
• General liability insurance: Your business might be small, but that doesn’t mean it isn’t exposed to liability claims. While liability coverage isn’t mandatory in Texas, never operate your business without it because it only takes one significant claim to drain your business resources. Invest in business liability insurance to protect your business from property damage, bodily, and advertising injury.
• Property insurance: This coverage protects your business assets, such as inventories, buildings, computers, and furniture, from perils like fire, theft, and natural disasters.
• Professional liability insurance: This coverage protects your business from lawsuits when accused of professional negligence or missed deadlines for services rendered.
• Commercial auto insurance: If you have business vehicles, you should invest in commercial auto insurance as Texas law requires. Besides compliance, this insurance protects your vehicle and driver when accidents happen.
• Cyber liability insurance: This insurance plan cushions your business financially when cyber criminals compromise the integrity of your IT system.

If you are starting a company or currently own a business in the Houston area or anywhere in Texas, it is imperative that you protect it with commercial insurance. You need an insurance team in your corner that you can trust. Our team at Insure Texas LLC will invest time to analyze and identify risks that your business is exposed to and will make sure that your business risks are fully covered by your policy.