Commercial Insurance in Texas
Owning a business can be stressful. Alleviate some of that stress with a reliable commercial insurance policy. At the Integrity Advisors Agency, LLC of San Antonio, TX, we want to give business owners peace of mind by protecting their hard work.
In Texas, there are three major types of commercial insurance:
- General Liability
- Worker’s compensation
Commercial general liability Insurance
General liability insurance covers mishaps that may occur during the life of your business. Policies protect business owners from claims of liability for bodily injury, property damage, and personal and advertising injury.
If someone falls inside your store and decides to file a lawsuit, a general liability insurance policy will cover the expenses. Or if a tree falls on a car in your parking lot, a commercial liability policy will pay for the repairs.
Commercial Property Insurance
Property insurance is designed to cover your building if it is damaged by natural hazards or vandalism. Some policies are broad and only include common occurrences like storms and fires, while others are tailored to specific industries.
If an employee at your restaurant accidentally starts a fire and it burns the down the building, commercial property insurance will pay to rebuild or change locations. Or if a hurricane comes through and destroys your storefront windows, property insurance will pay to replace them.
Workers Compensation Insurance
Workers’ compensation is meant to protect you if an employee is injured while on the job. Medical bills can get quite expensive, and workers comp will keep you covered in the event of an accident.
If you own a roofing business and one of your workers falls and breaks his neck, you’ll be glad you paid for the policy. Even if your business is not quite as risk-prone, accidents can happen anywhere. You’d rather be safe than sorry.
Commercial insurance can be a lifesaver for small businesses that don’t have massive cash reserves to pay for potential accidents or lawsuits. At the Integrity Advisors Agency, LLC, we want to help business owners protect what they’ve built. If you are located in the San Antonio, TX area and have questions about commercial insurance, give us a call today.
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