Looking for a reliable commercial insurance policy? No matter what State you are in, when you’re trying to narrow down the best possible options for your company, taking time to research available policies makes all the difference.
By talking to an independent agency like AmeriFirst, you can be sure you’re getting personalized information tailored to your organization. An independent Texas insurance agent can compare policies, address your concerns, provide quotes, and help build a policy perfect for your needs and concerns.
Commercial auto insurance covers liability and personal property damage for company vehicles involved in accidents while doing business. These insurance policies usually also cover attorney’s fees, court fees, and payment to a person who was injured in the accident.
There are many different types of commercial auto insurance policies, and recommended plans will vary depending on your unique situation. Often, insurance companies offer discounts for companies with “fleets” of vehicles, which is usually a minimum of five vehicles on the same policy.
Commercial general liability (CGL) insurance protects business owners from claims regarding bodily injury, personal property damage, or libel/advertising issues that come up with marketing campaigns. Most commercial general liability insurance plans pay for damage that occurs when employees are working away from the business.
This type of insurance policy protects your business against damages to your property that occur as a result of a natural disaster or fire. Commercial property insurance policies also cover products that are lost or stolen while in use on the job.
Commercial property insurance policies are available whether you own, rent, or lease your building. Policies vary, because potential dangers differ depending on the area; a Houston business owner might be more concerned with flood insurance than one in Dallas. These plans are worth researching before making a final decision.
Workers Compensation insurance pays medical and income benefits to workers who are injured while on the job. It assures workers that they will be compensated if they are seriously injured while performing job-related tasks.
A Texas business owner package (BOP) is an all-in-one insurance policy that includes the above types of insurance. Purchasing this type of insurance package for your company makes life easier for you and simplifies your monthly or annual policies.
Your best bet is to talk to an independent agent from AmeriFirst about your business, its existing coverage, and any concerns you have. They will be able to tell you more about the type of policy you should purchase and recommend the best value for your company.