Commercial Insurance in Texas
Whether you live in Houston. TX or neighboring areas, owning a business in Texas is the American dream for many of our customers. In order to provide our clients with the best insurance options available, our team at Heydari Financial Group offers commercial insurance that not only meets Texas requirements but provides additional protection for business owners looking to protect their investment.
What is required by the state of Texas?
Business owners in the state of Texas must purchase the following if it applies to their business:
- Worker's Compensation Coverage
- Commercial Auto Insurance
If your Texas business has more than one employee, then you will need to carry worker's compensation coverage for your employees. This offers them coverage should they be injured on the job and require medical assistance. It also offers them a percentage of their pay should they need to be out.
Commercial auto insurance is for businesses that require commercial vehicles in their daily operations. This protects employees with full coverage should they be in an accident while in a company vehicle.
What can I supplement with?
There is a variety of commercial insurance supplements you can add to your policy.
- General liability coverage
- Business Income coverage
- Errors and Omissions coverage
- Property Damage Protection
Carrying liability policies will provide your business with financial assistance if you are found in fault of an accident. Also, should your business provide advice or counseling to your clients, errors and omissions coverage is a type of liability that will give you protection if your employees are found liable for costly damages to your clients.
Protect your employees should your business have to close unexpectedly at no fault of your own. When you carry business income coverage, you can maintain their payroll temporarily. Also, carrying comprehensive coverage for the business property is essential should it fall victim to theft or vandalized.
Call Us Today
At Heydari Financial Group, we proudly serve business owners in the Houston, TX area. Give us a call today for more information and to get a personalized quote for your business.