Business & Commercial Insurance
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Business & Commercial Insurance Information
Business & Commercial Insurance in Houston, Texas
A-Z Insurance is Houston’s trusted source for personalized insurance benefits. When you come to us, we take the hassle out of working with a large, impersonal insurance company, while still helping you get customized, affordable benefits that will always come to your aid at the times you need them most. Our promise is that every client will walk out our doors knowing that they have received optimized protection that will keep them safe in all parts of their life.
If you’re trying to insure your business, then you’re going to have to consider numerous risk management and budgetary points in order to get the right benefits. We will work with you throughout the process to make sure you choose the commercial insurance benefits that are best for you.
To get your commercial insurance portfolio started, call us at 713-777-2886 or request your free quote now!
Common Business Insurance Questions
What is business insurance?
There is no single policy called business insurance. Rather, businesses need numerous commercial insurance policies in place in order to optimize their benefits.
By investing in business insurance, you will have the guarantee that if something goes wrong when you least expect it, you will have the financial support to be able to recover. Your various policies can pay on your behalf for the costs associated with unexpected losses incurred in your line of work. With coverage in place, you won’t face insurmountable challenges just because you experienced a sudden loss.
Why do I need business insurance?
There are numerous situations where your business insurance can come to your aid. Various policies can help you pay for:
Property damage caused by fires, severe weather and similar environmental hazards
Theft or vandalism of property
Lawsuits brought by customers who sustain harm through your services
Commercial vehicle accidents
Without these policies, you could be stuck paying for such losses entirely on your own. This could be devastating to any business owner. You don’t want to lose your business just because an accident occurred, so why not be prepared by anything?
What does business insurance cover?
Among the numerous benefits that your business might need are:
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 supplementary income during their recovery.
Errors & omissions insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
Of course, there are many other policies available designed to protect you against specific risks and liabilities. These include:
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) which allows you to get several benefits in one place and at one price.
What business insurance do I need?
Your business insurance portfolio must be customized to your advantage, and we’ll work with you to choose the right combination of coverage for your needs. Certain policies are often required by law, such as commercial auto, workers’ compensation and surety bonds. Still, we’ll take your coverage a step further to ensure that you get what’s right for you, not just what you have to have.
What does business insurance cost?
Cost is always going to be a factor when you weave your business insurance benefits into your overhead obligations. We’re conscious of every client’s pricing points, and we know how to compare coverage options throughout the market to find you the right pricing points for your needs.