Commercial insurance in texas

Commercial auto insurance covers vehicles owned, leased, or used by your business. It provides protection for liability, physical damage, and medical costs resulting from accidents while vehicles are being used for business purposes.

A Business Owner’s Policy combines general liability, commercial property, and business interruption coverage into one cost-effective package. BOPs are ideal for small to mid-sized businesses looking for comprehensive protection at a competitive price.

Workers’ compensation insurance covers medical expenses, lost wages, and rehabilitation costs for employees injured or made ill on the job. It also protects employers from lawsuits related to workplace injuries, helping ensure compliance with state requirements.

Commercial property insurance covers damage or loss to your business’s physical assets, including buildings, equipment, inventory, and furniture. Whether caused by fire, theft, vandalism, or weather-related events, this coverage helps keep your business financially protected.

Commercial umbrella insurance provides an extra layer of protection beyond the limits of your general liability, auto, or employer’s liability policies. If a major claim exceeds your primary policy limits, umbrella insurance helps protect your business assets from significant financial loss.

Professional liability insurance is designed for businesses that provide professional services or advice. It protects against claims of negligence, errors, or failure to perform services as promised. If a client claims your work caused financial loss, E&O coverage helps pay for legal defense and damages, making it essential for consultants, advisors, and service-based businesses.

Builders risk insurance provides coverage for buildings under construction or renovation. It protects materials, supplies, and partially completed structures from damage caused by fire, theft, vandalism, or weather events during the construction phase.

Product liability insurance protects businesses that manufacture, distribute, or sell products. If a product causes injury or property damage, this coverage helps with legal fees, settlements, and medical expenses. It is critical for retailers, wholesalers, and manufacturers to safeguard against unexpected product-related claims.

EPLI helps protect your business from employee-related claims such as wrongful termination, discrimination, harassment, or retaliation. Even well-run businesses can face these claims, and EPLI coverage helps cover legal defense costs and settlements.

Cyber liability insurance protects your business from losses related to data breaches, cyberattacks, and digital security incidents. Coverage may include notification costs, credit monitoring, legal fees, and recovery expenses if sensitive customer or business data is compromised.

If your business is forced to temporarily shut down due to a covered loss, business interruption insurance helps replace lost income and covers ongoing expenses such as payroll, rent, and utilities. This coverage helps your business stay afloat while operations are restored.

Inland marine insurance protects tools, equipment, and property while they are being transported or used off-site. It is ideal for contractors, construction companies, and businesses that rely on mobile equipment.

Business bonds help guarantee that contractual obligations will be met. They are often required for contractors, licensing, and compliance purposes, providing financial assurance to clients and government entities.

Contractors insurance is tailored for construction and trade professionals. It typically includes general liability, tools and equipment coverage, workers’ compensation, and commercial auto to protect against job-site risks.

Farm and ranch insurance provides specialized coverage for agricultural operations, including buildings, equipment, livestock, and liability. Policies are customized to meet the unique risks faced by farming and ranching businesses.

Church insurance offers protection for places of worship, including buildings, liability, staff, volunteers, and events. Coverage is designed to safeguard religious organizations and their community activities.

This specialized coverage protects businesses involved in selling alcohol or operating fuel stations and convenience stores. Liquor liability insurance helps cover claims related to alcohol-related incidents, while additional coverages protect property, employees, and daily operations.