Is Your Texas Business Prepared For a Loss?

Heaton Bennett Insurance Agency Can Help

Your business insurance can respond to many kinds of risks and losses.  Protecting your business from loss can mean the difference between having a great year,and having to close your doors. According to the Insurance Information Institute, 30% of businesses that have a fire never re-open. Therefore, it pays to have the right business insurance and to manage your tops risks.  However, do you know the most common risks faced by most businesses? 

Texas Sized Business Risks
Cyber breach – Your small business has a greater chance of having a data breach than it does of having a fire.  Make sure you have a cyber liability insurance policy.  Don’t save passwords on your computer, use the latest security software, train your employees on cyber security, and never use an open network.

Customer trip and fall – Take care to keep your business entry clean and clear of clutter.

Flood – Your business insurance excludes flood damage. If you are close to water, make sure you consider flood insurance.

Fire – Every business is subject to fire. Install automatic alarms to ensure proper notification, disconnect equipment when not in use, and never overload sockets with plugs.

Theft – Develop a system for end of day closure procedures. Keep a light on at night.  Burglars are less inclined to break in if they think someone is there.

At Heaton Bennett Insurance, having a workplace that is protected gives you extra security. As a Texas employer, you have an obligation to ensure a safe workplace, and the law requires businesses to have Workers Compensation Insurance.  Work Comp insurance can provide the coverage to protect you from those unpredictable occurrences. 
 
 
Have a question? We're here to help.
Contact Us