Business Insurance Agents in Texas

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When it comes to moving or expanding your business, in Texas there are a lot of things to consider. – But one of the most important is insurance. Starting your business journey in 2023 comes with huge challenges than before which makes business insurance even more vital. Insurance protects your business from unexpected events that could cause financial hardship, and it’s vital to have the right coverage in place before you make the big move.

The best business insurance policy for you will depend on the specific needs of your company. It’s important to work with an experienced agent who can tailor a policy fit your business.

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Frequently Asked Questions

  • What does business insurance cover?

    Business insurance can help pay the costs of property damage, lawsuits, lost business income, and other covered losses. To help protect against specific risks unique to their situation, businesses often buy multiple coverages and combine several in one policy.

  • What are the common types of business insurance required by most business owners in Texas?

    The most common types of business insurance required by business owners in Texas are commercial property insurance, general liability insurance, workers’ compensation insurance, professional liability insurance(E&O), business owner policy (BOP) and commercial auto insurance.

  • Is business liability the same as general liability?

    The main difference between general liability and professional liability is the types of risks they each cover. General liability covers physical risks, such as bodily injuries and property damage. Professional liability covers more abstract risks, such as errors and omissions in the services your business provides.

  • What kind of business in Texas needs a Business Owner Policy?

    Small to medium-sized businesses with commercial property should consider a BOP. It combines general liability and commercial property insurance. This combination gives you both liability protection – for things like accidents and lawsuits – and commercial property insurance, which covers your building and business personal property.

  • Is business insurance required in Texas?

    The answer to this question depends on the type of business you have and the specific insurance coverage you need. There are a few types of business insurance that aren’t required by law in Texas. In fact, Texas is the only state that doesn’t require private employers to carry workers’ compensation, but most businesses will need some form of insurance coverage to protect themselves from liability.

  • Who is exempt from workers compensation insurance in Texas?

    Texas is the only state which does not require coverage. However, there are exclusions to this rule for some employers listed below: Any public employer including cities, counties, state agencies and state universities. Building and construction contractors for public employers.

  • Why is commercial truck insurance important in Texas?

    Trucks are the lifeblood of Texas’ multimodal freight system. They haul over a trillion dollars worth every year, making them crucial to its economy and way of life. Therefore, commercial trucking insurance is important to protect your business against financial loss in the event of an accident on highways.

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