As a business owner, having the right insurance in place matters. The reassurance of the right plan frees you to tackle the other priorities in your business, and to sleep well at night.
Core coverage for Texas businesses
- Liability
- Protects your business from financial strain or ruin after a claim that you were negligent. Once your company's name is part of a claim, a lot changes, so make sure what you've built is protected. General liability
- Professional liability
- A general liability policy fits many businesses. Some, like photographers, CPAs, doctors and dentists, software and tech firms, and attorneys, need protection for the advice and services they provide. Professional liability
- Building, tenant and property coverage
- Whether you work from a warehouse, a storefront or your home, protect your building, equipment and inventory. Worried about food spoilage? A business owners policy can cover that too. Commercial property · Business owners policy
- Business interruption
- Help with expenses if a covered loss forces you to close your doors for a while.
- Employee dishonesty
- No one wants to think an employee would steal from them. Unfortunately, it happens, and this coverage helps you recover lost money or merchandise.
What to know before you buy
- A business owners policy doesn't automatically cover vehicles you use for business. You need commercial auto insurance, and we can help with that too.
- A business owners policy doesn't include workers' compensation. Texas lets most private employers choose whether to carry it, but employers who go without it lose important legal protections if an employee is hurt, and many contracts require it. We'll help you decide.
- Talk to an agent. A computer system that doesn't know your business can leave gaps. We'll walk you through your policy so you get the coverage you need.
