As a business owner in Denton, Austin, Dallas, or Luckenbach, it is important to understand the different types of insurance available to protect your business. Insurance is a crucial aspect of any business, as it can help protect your assets and provide financial security in the event of unexpected events.
Since your business is unique and no two are the exact same, it’s ideal for you to call us so we can get a better understanding of what your needs. Call today at 940-268-5112 to speak with a licensed and experienced commercial insurance agent.
Here are the main types of commercial insurance available to Texas business owners.
General Liability Insurance
General liability insurance is a type of insurance that protects your business from claims of bodily injury, property damage, and personal injury. This type of insurance is essential for any business, as it can help protect your business from lawsuits and other legal claims.
Property insurance is a type of insurance that protects your business property from damage or loss due to fire, theft, or other covered events. This type of insurance can help cover the cost of repairs or replacement of damaged property, which can be a significant expense for any business.
Workers’ Compensation Insurance
Workers’ compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill as a result of their work. This type of insurance is required by law in Texas, and it can help protect your business from lawsuits and other legal claims related to workplace injuries.
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is a type of insurance that protects your business from claims of negligence or mistakes made by your employees. This type of insurance is essential for businesses that provide professional services, such as lawyers, doctors, and accountants.
Commercial Auto Insurance
Commercial auto insurance is a type of insurance that provides coverage for vehicles used for business purposes. This type of insurance can help protect your business from liability claims related to accidents involving your business vehicles.
Cyber Liability Insurance
Cyber liability insurance is a type of insurance that protects your business from losses related to cyber attacks, data breaches, and other cyber threats. This type of insurance can help cover the cost of data recovery, legal fees, and other expenses related to cyber attacks.
Denton Business Insurance can be complicated and we’re here to make sense of it for you. General liability insurance, property insurance, workers’ compensation insurance, professional liability insurance, commercial auto insurance, and cyber liability insurance are all essential types of insurance that can help protect your business from unexpected events. By investing in the right insurance coverage, you can help ensure the long-term success and financial security of your business.
Why do you need general liability insurance?
Our general liability insurance coverage also called commercial general liability insurance, protects your business from third party claims for bodily injury, associated medical costs and damage to someone’s property.
You should consider this coverage if you or your employees:
- visit a client’s place of work, or clients visit yours.
- conduct business at a residence, such as home remodeling
- have access to a client’s equipment, for example a computer server
- write or speak about a client’s business.
- use third-party locations for any business related activities.
- are required to have general liability insurance before entering into a contract.
For example, while visiting a client’s premises, the client trips over your briefcase and gets injured – your business may be liable. Whether or not it is your fault, our general liability coverage can protect your business against covered claims by paying defense costs and any damages up to your policy limit.
Here are some of the classes that we are able to most easily obtain commercial insurance coverage for. If you don’t see your business here, it’s still okay. We insure all types of businesses in addition to these such as Hazmat Transportation, Demolition and all sorts of fun business.
|Air conditioning systems or Equipment – dealers or distributors and installation, servicing or repair
|Alarm & Alarm System Installation, Service, Or Repair
|Appliances and accessories – installation, servicing or repair household
|Appliances and accessories- installation, servicing or repair – Commercial
|Cable or Subscription Television Companies
|Carpentry – Construction of residential property not exceeding three stories in height
|Carpentry – Interior
|Carpentry – NOC
|Carpentry – Shop only
|Carpet, rug, furniture or upholstery cleaning – on customers’ premises
|Ceiling or wall installation – metal
|Chimney cleaning (incl. completed ops)
|Conduit Construction for Cables or Wires
|Debris Removal – construction site
|Door, Window or Assembled Millwork – installation – metal
|Driveway, parking area or sidewalk-paving or repaving
|Drywall or wallboard installation
|Electrical work – within buildings
|Fence erection contractors
|Fire Extinguishers – servicing, refilling or testing
|Floor covering installation – not ceramic tile or stone
|Furniture or Fixtures – installation in offices or stores -portable – metal or wood
|Glass Dealers or Glaziers
|Grading of land
|Guniting or Shotcrete
|Heating or Combined Heating and A/C Systems or Equipment – dealers or distributors and installation, servicing or r
|Heating or combined heating & A/C systems – Not excl LPG
|House furnishings installation NOC
|Insulation Work – mineral
|Insulation Work – organic or plastic in solid state
|Insulation Work – plastic
|Irrigation System Installation
|Lawn care services
|Metal Work-decorative or artistic
|Metal erection nonstructural NOC
|Office Machines or Appliances – installation, inspection, adjustment or repair
|Painting – interior – buildings or structures
|Painting – shop only
|Painting EXTR Build 3 Stories or less
|Plastering or stucco work
|Plumbing – commercial and industrial
|Plumbing – residential or domestic
|Prefabricated Building Erection
|Refrigeration systems or equip Servicing – Commercial
|Septic Tank Systems – Cleaning
|Septic Tank Systems – installation, servicing or repair
|Sheet Metal Work – outside
|Sign Painting or Lettering – inside of buildings
|Sign Painting or Lettering – on buildings or structures
|Sign erection, installation or repair
|Solar energy contractors
|Surveyors – not engaged in actual construction
|Swimming Pool Servicing
|Television or Radio Receiving Set installation or repair
|Television, Telegraph or Cable television line construction
|Tile, stone, marble, mosaic or terrazzo work-interior construction
|Tree pruning, dusting, spraying, repairing, trimming or fumigating
|Upholstering shop only
|Water Softening Equipment – installation, servicing or repair
|Waterproofing – by pressure apparatus