Business insurance is not a single policy like homeowners, auto or life insurance. Rather, it’s an umbrella term that refers to numerous commercial insurance options that the average business might need.

It’s up to you to find the optimized combination of benefits for your Houston business’s needs. Some of the policies you can enroll in with our help include:

• Commercial property insurance: If something damages physical property—such as your building or possessions—then this coverage can help you repair or replace them.
• General liability insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
  Business interruption insurance: This helps you pay the bills if you must temporarily close after a damaging accident.
• Commercial auto insurance: When the company owns vehicles, this coverage will supply the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
• Workers’ compensation insurance: If an employee gets hurt on the job, they are often eligible for workers’ compensation. It will supply them with supplementary income during their recovery.
• Errors and omissions insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
• Surety bonds: If you are contractually bound to certain clients, bonds will guarantee that you will repay them if you cannot meet your obligations.

Of course, there are many other policies available that are designed to protect you against specific risks and liabilities. These include:

• Inland Marine Insurance
• Employment Practices Liability Insurance (EPLI)
• Products/Completed Operations Liability Insurance
• Cyber Liability Insurance
• Umbrella Liability Insurance
• Hired/Non-owned Auto Liability Coverage

Small business owners can benefit financially by bundling their essential coverage into a business owners policy (BOP). The BOP is designed for small operations and allows you to get several benefits (e.g., property, general liability, business interruption) in one place and at one price.

Numerous factors can influence the price(s) of your commercial insurance policies, and all of your different plans will have different costs based both on the coverage you choose and the risk factors that the insurer assumes by covering you.

We understand that you might have concerns about the burden that your benefits will have on your overhead costs, but we are committed to working with you to get you the coverage that offers you the best value on the market.