Commercial Insurance in Texas

Setting goals for your Texas business is one way to help it succeed. Purchasing commercial insurance is just as crucial to your company’s development. Commercial coverage from David King Insurance Services LLC in Coppell, TX protects your business from risks that threaten its financial stability. Here’s what a commercial policy has to offer your small business.

Commercial Coverage Options

Commercial policies offer various coverage to meet the needs of different types of businesses. Coverage options include property, liability, business interruption, workman’s compensation, and commercial auto. Most policies give you the option of choosing the coverage you want to obtain the unique protection you need.

Property – Property coverage is indispensable to your business as it protects your building, business equipment, and valuable inventory. Standard property coverage covers such perils as theft, fire, storm damage, lightning strikes, tornadoes, and other disasters. If your business suffers damage from a covered peril, property coverage helps cover your loss to help you get back on your feet.
Liability - Liability coverage protects your business against liability claims and lawsuits that could arise if a customer has an accident on your business property. Accidents can range from slip and falls to getting hurt by a falling object. Liability covers accidental injuries to protect your business from financial loss.
Business Interruption – Business interruption compensates you for loss of revenue, payroll, lease of business property, and other business expenses if you have to close your business temporarily for repairs after a disaster. This coverage could be a key component in enabling your business to recover from a major disaster.
Worker’s Compensation – Worker’s comp is mandatory for Texas businesses that have one or more employees to protect workers against accidents on the job.
Commercial Auto – If you have vehicles that are used for business purposes, commercial auto insurance will cover accidents that may occur during work hours.