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If you have a business in Houston, TX, you need commercial insurance that gives you well-rounded protection. And because commercial insurance is broad, you should buy business insurance coverages that make sense for your business.

While most business owners consider the state-required commercial insurance coverages, wise entrepreneurs invest in other coverages to protect their business. Are you wondering what commercial insurance add-ons to consider for your business insurance? AAIGOT Insurance Agency Inc. shares “riders” that are worth every penny for your business.

General liability insurance

While liability coverage isn’t mandatory, you must purchase this coverage for your business because of the ubiquitous nature of liability claims. Your business is at risk of numerous liability claims, ranging from property damage, advertising injury to bodily injury.

Cyber liability insurance

With the rising reliance on technology, hackers aren’t resting on their laurels, too. You must have heard about high-profile cyberattacks. And if you think your business is safe, it isn’t because hackers target small and big businesses. While installing internet security features is superb, invest in cyber liability coverage to help you recover when your IT infrastructure is compromised.

Umbrella insurance

Although your business insurance may have liability coverage, this may not be adequate when faced with significant liability claims. Thankfully, when third-party claims exceed your typical commercial insurance, umbrella insurance becomes the go-to coverage to pick up from where your commercial insurance leaves off.

Flood insurance

Do you know that your typical commercial insurance coverage doesn’t protect you from flood damage? That said, you need flood insurance to protect your business from flood damage. And since floods can strike anywhere and anytime, you must buy flood insurance whether living in a high-risk or low-risk flood area.

Protect your business with commercial insurance today!

Would you like to protect your Houston, TX business with commercial insurance? Please get in touch with AAIGOT Insurance Agency Inc. for a competitive quote.

Startups in Houston, TX need to find high-quality commercial insurance policies to minimize their risk of severe financial loss. Unfortunately, at AAIGOT Insurance Agency Inc, we’ve seen far too many promising companies fail to get a policy that met their needs and end up closing down as a result. That’s why we strive to create the kind of policies that work for your needs as a business operation.

How Commercial Insurance Protects Startups 

Commercial insurance is designed to meet the needs of businesses by providing many unique coverage options. Startups can even find new business insurance designed to meet companies’ individual needs like theirs. Find an excellent policy that:

• Protects you from potential asset loss if your business is affected by a disaster 
• Provides cash if you temporarily close down due to unforeseen circumstances 
• Creates liability protection to keep you safe from lawsuit problems 
• Minimizes the dangers of running low on cash early in your operation 
• Helps cover employee injuries and much more 

The exact coverage option for Texas businesses varies based on what kind of company you operate. For example, a delivery business may need vehicle policies to cover their rides. However, these vehicle-based insurance options may not be necessary for companies without business cars or trucks.

Find a Policy That Makes Sense for You 

If you’re a startup and you want commercial insurance that will keep you safe from serious problems, please don’t hesitate to contact us at AAIGOT Insurance Agency Inc right away to learn more. We serve the Houston, TX, area and many other cities throughout the state. And we provide high-quality insurance that is competitive with other companies to ensure that you are satisfied with your coverage.

If you own a business in Houston, TX, you have an obligation to your employees and customers to protect it. The Texas state law requires businesses to carry general liability insurance coverage, and if you own or rent vehicles that use a public road, you also need commercial auto insurance. Additionally, for complete peace of mind, AAIGOT Insurance Agency Inc recommends commercial property coverage. Although not a legal requirement, property coverage provides for those unforeseen incidents like vandalism, fire, or theft.

General Liability Insurance

General Liability Insurance protects business owners from third-party liability claims. If your customer’s property is damaged, or they are injured on your premises, or they fall ill after eating your products, the insurance policy will help you pay resulting liability claims. The policy extends to the actions of visitors and sub-contractors. It also covers injury-on-duty claims.

Commercial Auto Insurance

Commercial auto insurance provides coverage similar to personal car insurance. It protects you against accidental damage in a collision. If your driver has an accident on a public road, the policy will cover the driver’s injuries, physical and property damages of the other parties involved, collisions with an uninsured/underinsured vehicle, and even towing or loan vehicle costs.

Commercial property insurance

Protect your business against unexpected expenses if something happens to your physical assets. Often, business owners do not budget for those unforeseen costs. If a vandal breaks your store display window or a fire damages most of your stock, replacement of those items may put a strain on your cashflow. It is especially true of new businesses that do not have cash reserves built up yet.

Don’t risk the future of your business, and contact an AAIGOT Insurance Agency Inc. representative in Houston, TX to help you thoroughly protect your business.

AAIGOT Insurance Agency, Inc. proudly serves the Houston, TX community by offering residents multiple insurance coverage types. We strive to make sure that our clients find policies that will directly meet their individual needs. We have developed successful partnerships with several insurance carriers throughout Texas.

Benefits of Commercial Liability Coverage

If you are a small business owner in the Houston, TX community, commercial insurance will help you secure your business’s future. The policy is especially beneficial if you find yourself involved in a potential dispute. Commercial liability coverage can protect your business in multiple ways.

The policy would cover your business if someone were injured on your property. If you have many customers who come to your store, there is the possibility that an accident may occur and someone falls. This is also true for your employees, as you will be protected if one of your employees gets injured in the workplace. The policy also covers your business if someone is injured due to defective equipment or an equipment malfunction. Commercial liability coverage is an asset that you can rely on during periods of inclement weather when the risk of an accident occurring are much higher.

If you are operating a business in the public relations industry, commercial liability coverage is an asset because your business is protected against multiple risks. While there may be a miscommunication, working in the public relations industry can cause potential slander or copyright infringement allegations. If you are potentially held liable in any of these situations, commercial liability insurance will protect you.

AAIGOT Insurance Agency, Inc. Will Help Your Business Navigate Risks

Contact our office today to learn more information about commercial insurance.