Important Insurance Coverage For Your Texas Business

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Texas Business Insurance

There are many different decisions that, as a business owner, you need to make, and selecting the right commercial insurance is one of them. The first thing you need to do is hire the right agent to help you through the process of obtaining the right kind of commercial insurance. We recommend you choose an independent agent to help you. Independent agents have access to many different markets and can provide the right combination of commercial insurance products and services.

The purchase of business insurance is an essential investment for business owners. Business insurance policies protect the business from the financial consequences of accidents and mishaps that could erode profitability and threaten continuity of the operation.

Here are the coverage’s you should consider to make sure you are adequately protected.

Pollution Liability- Protects against the liability that comes with polluting the environment including restoration and cleanup, liability for injuries and deaths caused by pollution.

Cyber Liability- Cyber liability is the risk posed by conducting business over the Internet, over other networks, or using electronic storage technology. It covers third party losses from hackers, theft, and loss of information, including sensitive client or individual personal information.

Directors & Officers Liability- Covers costs, damages, and defense protection to directors and officers of a company resulting from law suits and judgments arising out of poor management decisions, employee dismissals, shareholder grievances, and other such acts committed in good faith.

Employment Liability- Employment Liability provides protection for an employer against claims made by employees, former employees, or potential employees. It can cover discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations.

Professional Liability- Insurance that is designed to cover third party claims, damages, and claims arising out of providing professional advice. Many Pennsylvania firms create legal obligations arising out of a professional's errors, negligent acts, or omissions during the course of providing services to clients.

Insurance for business operations is complex, and when considering the purchase of insurance, it’s vital to take into account all of the risks that face a business. It is also important to remember that insurance needs change over time as a business grows or diversifies its operations.

Commercial insurance is one of the most important products a new business needs. Our agency can help you review your risks and guide you through the process of securing the right combination of coverage and price.

What do we offer our customers? Heaton Bennett Insurance offers all types of Personal Insurance coverages to our clients including Auto InsuranceHomeowners InsuranceCondo InsuranceRenters Insurance, and Personal Umbrella. Depending on your needs, we also offer other coverages including: Landlord policies, Renters, Motorcycle, Boat, Vacant Dwellings and Umbrella.

Are you a business owner? We’ve got you covered there, too. Simply give one of our agents a call and we'll show you how much you could save on your Business Insurance. We also offer a wide range of Commercial Insurance coverages such as: General LiabilityCommercial PropertyCommercial AutoWorkers Compensation, and Business Owners Policy (BOP).

 

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