Owners Insurance Texas Business

Texas Business Owners Insurance Information

Businesses can bundle property and liability coverage into a Business
Owners Insurance Policy that allows your business to obtain broad
coverage with affordable premiums. Business Owners Insurance is
usually the first step for small businesses looking to get basic property
and liability coverage and is a comprehensive and affordable insurance
package for small or medium sized businesses.

To qualify for Business Owners Insurance Policies, a company should
have 100 or fewer employees, and annual revenues should be less
than $1 million. Business Owners Insurance will typically provide
reimbursement for up to a year of lost revenue resulting from an
insured property loss.

Some businesses may find Business Owners Insurance coverage
limits to be too low or may not like the lack of flexibility on options like
coinsurance. However, what the Business Owners Insurance Policy
lacks in flexibility it usually makes up for with lower premiums for your
business.

Property Insurance Coverage

Business Owners Insurance offers named perils or all risk
insurance coverage, similiar to general property insurance
coverages. Enhancement endorsements are available at little or no
cost to extend coverage to your accounts receivable, valuable
papers, signs, employee dishonesty, mechanical breakdown,
computers including software, money and securities, off premises
power failure and spoilage of food products, backup of sewers and
drains.

Liability Insurance Coverage

While similiar to Commercial General Liability Insurance, the
liability part of a Business Owners Insurance Policy offers less
flexibility in determining your coverage limits for particular claims.
Optional limits of $300,000, $500,000 or $1,000,000 are available.
Personal injury, products liability, fire legal liability and premises
medical payments are included. Also, Business Owners Insurance
does not include professional liability insurance.

Interruption Insurance Coverage

Business Interruption Insurance is usually included in Business
Owners Insurance Policies and covers lost income and expenses
incurred when a company suffers disaster related damage. Ongoing
operating expenses that continue even if business is suspended,
such as payroll, are also covered.

Click on the link below to fill out a secure quote request form for a
Texas business owners insurance policy that regardless of whether
you're a small contractor, large employer or a small business
owner, will provide exceptional insurance coverage for your
business at an affordable cost. Or speak with our Texas Business
Owners Insurance specialist toll free at (800) 582-4368 to discuss
the features.

We are your local Houston, Texas area insurance agency, offering experienced
business owners insurance plan services to businesses in the following cities and
counties: Pasadena, Deer Park, Pearland, Galena Park, Jacinto City, La Porte,
Bellaire, West University Place, North Houston, Cloverleaf, Beaumont Place, Spring
Valley, South Houston, Hilshire Village, Humble, Houmont Park, Friendswood, League
City, Alvin, Mission Bend, Sugar Land, Stafford, Missouri City, Texas City, Webster,
Dickinson, Baytown, Channelview, Highlands, Seabrook, Bacliff, La Marque, Jersey
Village, Town West, Westfield, Kingwood, Spring, The Woodlands, Liberty, Conroe,
Tomball, Hempstead, Galveston, Crystal Beach, Lake Jackson, Algoa, Santa Fe,
Juliff, Arcola, Needville, Katy, Dayton, Angleton, Beaumont, Port Arthur, Bammel,
Kohrville, Manvel, Bay City, Beasley, Rosenberg, Richmond, Orchard, Fulshear,
Brenham, Addicks, Brookshire, San Felipe, Hockley, Prairie View, New Caney, Beach
City, Nassau Bay, Harris County, Fort Bend County, Brazoria County, Galveston
County, Montgomery County, and Liberty County, TX. We also offer business owners
insurance package services throughout the state of Texas, including in El Paso,
Austin, Abilene, Dallas, Ft. Worth, Irving, Garland, Plano, Richardson, Carrollton,
Grand Prairie, Lancaster, Duncanville, Cedar Hill, De Soto, Mesquite, Lewisville,
Grapevine, North Richland Hills, Mansfield, Euless, McAllen, Weslaco, Alamo, Donna,
Edcouch, Elsa, Edinburg, Hargil, Hidalgo, Sullivan City, Santa Rosa, San Juan, Pharr,
Mission, Mercedes, San Manuel, La Feria, Harlingen, Brownsville, Taylor County,
Dallas County, Tarrant County, El Paso County, Hidalgo County, Cameron County,
and the metro area of San Antonio, TX.

**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance agent.