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.
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.
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.