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.