Commercial insurance is needed by all business owners. As a business owner you need the some kind of commercial insurance coverage to protect you and your business in case of accidental injuries and losses. Commercial auto insurance for all your business vehicles that are used in your business -- commercial auto liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. General liability insurance is very essential coverage for any business in case business owner cause and injury or damages to others or damages to the property or office you occupy.
Commercial property insurance is also needed to protect your property from any fire damage, storm, vandalism, etc. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options. We do offer affordable low cost business and commercial insurance for all Texas residents including from Houston, Dallas, Auston, San Antonio, Waco, Amarillo, Sugarland, Kingwood, Woodlands, Katy and other Texas cities. You can rest assured that we will offer you the best rate possible in the market place.
As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you.
PRIMARY LIABILITY - Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or insure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.
CARGO INSURANCE - Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.
PHYSICAL DAMAGE (Collision, Specified Perils) - Provides coverage for repair or replacement for damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal law suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford's liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.
Broad Range of General Liability Protection
Commercial Property protects your business against the loss or loss of use of company property. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers. We do also offer business liability coverage in case of any personal injuries on the property , like slip and slide and other acts of injuries due to insured negligence.
Please take a moment to fill out the form above and one of our local insurance agents will contact you with a free, no-obligation quote. This information will be kept confidential and will be used for quote purposes only.
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance.
Workers Compensation is designed specifically for injuries sustained on the job.In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
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