You have invested time, effort, and money into your business which is the reason you will want to take every measure you can to protect it. Commercial insurance is one way to protect your business while giving you the peace of mind you deserve. We understand the importance of commercial insurance at the Heydari Financial Group in Houston, TX.
In the state of Texas, commercial insurance is not required for your business but it is a great idea to have a policy. If you have vehicles owned by your business or personal ones that you drive for your business, you must have at least the minimum amount of auto liability insurance that is required under Texas laws. Also, if you rent the space in which your business is located, the property owner may require you to obtain a commercial insurance policy.
Types of Coverage Options for Commercial Insurance
Liability and Medical Payments
There are several other types of commercial insurance coverage you can choose from for your business. This includes liability and medical payment insurance policies that will help cover any injuries sustained by a customer or visitor to your business. For example, if someone slips and falls while visiting your business and is injured, this part of your policy will help cover the medical bills and lost wages if they cannot work due to the injury. Liability insurance will also help cover the medical bills of someone who is injured as a result of your business. For instance, if you own a tree-trimming business and a limb accidentally falls on someone as they are walking by the worksite, this part of your policy will cover their medical bills.
This part of your policy is very important in keeping your business operating and continuing your income during some type of disaster. This coverage will help you recover from a natural disaster, fire, or vandalism. It will also help cover the costs of items lost due to theft or a break-in at your business.
To create the best commercial insurance policy for you and your business, you should enlist the help of an agent experienced in commercial insurance. Our agents at the Heydari Financial Group in Houston, TX are ready to assist you with all of your commercial business needs so please call for an appointment today!