Commercial Insurance

If you have a business in Texas, there is a lot that needs your attention. However, when you partner with B & M Agency, insurance is one thing you will not need to worry about. We offer affordable and personalized insurance policies to protect your business when calamities strike.

Commercial insurance coverages

Are you looking for commercial insurance in Texas? While we are not asking you to know everything about commercial insurance, you should at least be acquainted with the various options out there. Here are commercial insurance coverages you should know about:

• Worker’s comp insurance: If you have employees, you must invest in this coverage since it protects your workers against illnesses and injuries suffered in the workplace, and that’s not all. Depending on your policy, this coverage may cover your employees’ partial loss of wages.
• General liability coverage: While liability coverage isn’t mandatory in Texas, every business must invest in this coverage. Given the ubiquitous nature of liability claims, it would be a financial blunder to ignore liability coverage for your business. General liability coverage protects your business when accused of property damage, bodily and advertising injury. Better yet, this coverage pays for legal expenses when sued.
• Property insurance: When you consider the time and resources you have put into accumulating your assets, you can’t do without property insurance. This coverage protects you when your assets suffer damage or loss because of a covered risk.
• Professional liability insurance: This coverage protects you when you are accused of negligence or incomplete work by stakeholders that rely on your professional advice.
• Cyber liability insurance: This coverage protects you against data breaches and other cybercrimes. As long as your business has IT infrastructure, you are vulnerable to online attacks, and you need cyber insurance to lessen your financial burden following a cyber-attack.

Need to invest in commercial insurance in Texas? Want to learn more about commercial insurance? Please consider B & M Agency for all your commercial insurance needs.