Business Insurance
We provide a complete range of business insurance products and services covering a broad spectrum of clients, including small business owners to large corporations engaged in a wide variety of business activities.
Our staff of dedicated professionals will design a comprehensive insurance program that meets your company’s particular coverage needs. We examine every aspect of your operation to determine the best possible approach while remaining sensitive to your costs.
We provide commercial business insurance solutions for:
General Liability Insurance
A standard insurance policy issued to businesses to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.
Commercial Auto Insurance
Covers vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.
Commercial Property Insurance
Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession.
Commercial Umbrella Insurance
Commercial Umbrella insurance is liability coverage that is in excess of other commercial insurance policies. When an insured business is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).
Professional Liability Insurance
Professional liability insurance, most commonly known as errors & omissions (E&O), is a form of liability insurance that helps protect companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
Business Owner's Package
A Business Owner's Package (referred to as BOP) is an insurance policy that combines protection from all major property and liability risks in one package. It combines all the basic coverages required by a business owner into one bundle. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides limited reimbursement of lost revenue resulting from an insured property loss.
Workers Compensation
Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Non-subscription to Worker’s Compensation
Texas businesses that elect not to purchase workers’ compensation insurance are often referred to as nonsubscribers, otherwise know as Occupational Accident. Non-subscription or Occupational Accident coverage is an affordable alternative to Workers’ Compensation in Texas.