At Jacque Pirtle Insurance, we provide Texas residents with insurance policies that suit their needs. Commercial insurance is essential for most business owners. There are several types of commercial insurance. An insurance agent can help you select the policy that will best protect your business.
Liability insurance policies protect you from expensive liability claims. General liability covers most of the liability risks businesses face. This includes injuries or damage to someone's property related to your business. It includes someone getting injured on your property, and accidental damage caused by employees.
Some businesses may require additional liability policies. General liability covers non-professional claims that occur because of doing business. Professional liability covers claims that directly result from your company. Professional liability is often needed by businesses that provide services or advice.
Business Property Insurance
Business property insurance is another basic commercial policy. Similar to a homeowner's policy, it covers the physical structure of your business. This includes office spaces, manufacturing facilities, and storefronts. In addition to the structure itself, it protects your inventory and equipment needed for your business.
Business Interruption Insurance
Business interruption insurance can provide capital if your business is non-operational for a time because of property damage. If your store is vandalized, for example, your property policy will cover the cost of the damages to your property and inventory. It won't cover the lost income while your business is closed for repair, but business interruption insurance will. If you own a physical business, this policy can keep you afloat until your business is operational again.
If your vehicle is a primary part of your business, you will need a commercial auto policy. This includes company-owned vehicles and personal vehicles that are used to carry out business operations. If you make deliveries or if employees drive as part of their job, you may need a commercial auto policy.
Commercial insurance is vital for the success of your business, whether it's big or small. Jacque Pirtle Insurance gives Texas business owners the coverage they need. Contact us today to speak with an agent about your business insurance needs.