Commercial Insurance in Texas
Embracing the Texas economy is something that many of our commercial clients have taken advantage of more recently. The advantages of taking that leap and starting a small business is an investment. At Atzenhoffer Insurance Agency, we want our clients to have success by protecting their business with commercial insurance.
What is Required?
In the state of Texas, there are two types of required insurance for small businesses. First, any business that operates with two or more employees must carry workers' compensation coverage to protect employees that are hurt while on the job and need assistance. This coverage keeps them receiving some form of income while covering any medical costs associated with the injury.
For Texas businesses that require the use of a commercial vehicle, commercial auto insurance is also required. This coverage protects employees who may be driving the vehicles and give them full coverage in the event of an accident while on the job.
Commercial insurance can also come equipped with a variety of liability options. General liability is the most common, with accidents that involve customers, public patrons, and employees covered should they be hurt while on your property. Liability can also extend to cover operational errors where products or services prove faulty for the customer. In any of these cases, the fees that your business could incur could cause financial distress and negatively impact the operations of your business.
Additional Coverage Options
Your commercial insurance policy can be crafted to include additional coverages such as commercial property where property such as equipment and structure is protected in the event of an unfortunate event. Any damage suffered would be covered through this policy. Protect your payroll and employee income with business income protection should one of these unfortunate events close your business temporarily.
Protect Your Texas Business Today
At the Atzenhoffer Insurance Agency, we strive to offer our clients in Victoria, TX a variety of commercial insurance options. Give us a call today to get your personal quote. We look forward to hearing from you soon.