San Angelo Business Insurance

Your Complete Guide to San Angelo, TX, Business Insurance

(And how to find a local independent agent)


Labeled as the Oasis of Texas, San Angelo is a military town with an Air Force base. Its restored fort structures and salute to history makes this town a great place to live. 

If you own a business in this densely populated city of 100,119 residents, you're in the right spot. A local independent insurance agent can help you find the best coverage and price. Go to to connect with an independent agent and save.

Why Your San Angelo, TX, Business Needs Liability Insurance

Your business's liability insurance is one of the most important coverages you can have. It will provide and protect a variety of claims that your business may encounter. Exposures arise out of nowhere, and sometimes you don't know what they are until a claim happens.

Commercial general liability policy (CGL): A CGL will provide insurance for bodily injury, slander, or advertising injury to another party. These can be your customers, trespassers, and anyone who can sue your company. 

Most of these claims can be a result of an accident or an employee misstep. Let's see what CGL coverage limits start at:

  • $1,000,000 per occurrence
  • $2,000,000 aggregate

You'll want to ask your agent which liability limits are right for your risk exposures. Products and completed operations is another coverage that most business owners need. It provides protection for a product or service after it's finished.

Why Your San Angelo Business Needs Cyber Liability

Cyberattacks can happen to any business owner. If you use email, your business is vulnerable. If your business becomes a victim of stolen information, you'll be liable for any client data they steal as well. Let's look at the facts:

  • Number of US identity records exposed in 2019: 164.68 million
  • Number of US data breaches in 2019: 1,473
  • Identity theft reports in TX in 2019: 73,533

Cyber liability insurance will help pay for the damage done when you expose your client's personal data by mistake. It will also provide coverage for any other expenses that may arise from a cyberattack. Talk with your San Angelo independent agent to discuss cyber coverages and why your company needs them.

How to Protect Your San Angelo, TX, Commercial Property

Texas, in general, is known for some extreme weather. Natural disasters, burglary, and fire can all cause property damage. Let's look at the five most reported property claims in Texas:

  • Wildfires and residential fires
  • Flooding and water damage
  • Hurricanes and tropical storms
  • Burglary and other property crime
  • Severe storms and lightning

A commercial property policy will pay for a loss to the structure and business belongings covered under your policy.

Why Flood Insurance Is Needed for Your San Angelo Property:

Number two on the list for most reported claims is flooding. San Angelo is no stranger to floods, and your commercial property policy excludes coverage. You'll need a separate flood policy to get the coverage you need. Let's look at how flood insurance works:

1.) Get your independent agent to pull your elevation certificate and determine your flood zone.

2.) Have your agent quote your flood insurance with FEMA approved carriers.

3.) Select one of the options that your agent presents.

Contact your local independent agent to find out what flood zone your San Angelo property is located.


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Why You Need Business Interruption Insurance in San Angelo, TX

Business operations can come to a halt fast when there is a natural disaster, fire loss, or liability claim. If a loss occurs, that makes you shut your doors for a time, business interruption insurance will apply. 

What is business interruption insurance: This coverage will pay for business expenses when your company has to shut down for a period of time due to a covered loss. 

The chances of you having to stop operations because of a natural disaster of fire in San Angelo are higher than most. Business interruption coverage is not something you'd want to go without. Contact your San Angelo agent to get quotes on what it would cost to add this coverage to your policy.

Attract San Angelo Workers with Employee Benefits

Since about 77% of private business owners contribute to their employee's healthcare costs, you'll have some competition. San Angelo is a fairly large city, and good talent is hard to come by. If you want to attract the right employees, you'll need to add value. Employee benefits coverage is the perfect way to show you care. Let's look at the costs of health insurance:

  • Average annual health premiums for family employee coverage in 2019: $20,576
  • Average annual health premiums for single employee coverage in 2019: $7,188

Often packages include life insurance, disability insurance, and healthcare costs. A San Angelo independent agent can help you put together a perfect plan for your future employees. 

Your San Angelo Business and Workers' Compensation

Your daily operations would not work well if you didn't have employees. They are the glue that holds your company together. When one of your employees gets injured or ill while on the job, your workers' compensation insurance will apply. 

If you are second-guessing insurance because it's not mandated to have in TX, don't. The statistics show that an employee who is still unrecovered from a work injury by 12 weeks is over 70% more likely to collect disability. 

That can be a significant expense that your company may not have the funds to pay. Discuss workers' compensation options with your San Angelo agent and see what coverage entails.

Find a San Angelo, TX, Independent Agent 

When you are shopping for business insurance, why not look in one place? You can get coverage through an independent insurance agent who can compare pricing at once. 

An independent agent is local and knows the exposures your business will face in San Angelo. Connect with an agent in minutes on to get started.

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City of San Angelo