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What type of insurance do you need?
Business insurance is designed to safeguard your company against the various financial losses it may face due to hazards such as damaging weather, property crimes, and liability lawsuits. This coverage can prove beneficial, as is evidenced by the fact that businesses in Texas collect approximately $14 billion in insurance claims every year.
A local independent agent can help you build a customized business insurance plan that is designed to meet the specific coverage needs of your company.
Experts estimate that 40% of all small businesses are likely to experience a property damage or general liability lawsuit in the next 10 years. The following are some hazards American companies have experienced in recent years as well as the approximate average amount they collected when filing claims:
In Texas, business insurance can cover losses associated with a variety of potential hazards so that your business doesn’t experience large financial losses.
If your inventory is damaged, a customer files a liability lawsuit, or one of your employees is severely injured on the job, a good commercial insurance plan will ensure that you won't have to worry about how these expenses will affect your business’s bottom line.
Here’s what you can expect a well-built business insurance policy package to do for you:
A business insurance policy is not required by law. However, some types of commercial insurance that are often included in a comprehensive business insurance plan may be.
To learn more about coverage that you may have to have for your business, you can talk with a local independent insurance agent.
Business insurance rates are calculated according to a number of factors such as the size of your business, the value of your business assets, the number of employees you have, your various liability exposures, and the amount and types of coverage you want.
Coverage needs can vary significantly from one industry to the next, so it is best to work with an experienced insurance agent who can help you build a suitable and comprehensive policy package for your company. These agents can help you make sure that you are getting coverage against all of your business’s potential risks while helping you avoid paying for coverage that is not a good fit.
Also, because independent agents can work with multiple insurance companies, they can search for the best price for each type of coverage you need. Sometimes this means building a business insurance portfolio that includes policies from several different insurance companies. Don’t worry. You will still only have one point of contact with your independent insurance agent.
Yes! There are currently 1,791 independent agents in the state of Texas.
These agents are available to help you with all of your insurance coverage needs. Did you know that independent insurance agents can work with several different insurance providers to find you a comprehensive and competitively priced business insurance portfolio? Work with an agent near you to ensure that your business is fully covered against all of its various exposures.
Number of businesses in the US: 27,626,360
Burglary rate per 1,000 residents in the US: 3.76
Auto theft rate per 1,000 vehicles in the US: 2.29
|City||No. businesses||Burglaries / 1,000 people||Auto thefts / 1,000 cars|