Whether you have just started a company or already own an established business, you need to consider commercial insurance. It helps protect the resources you have poured into that business and gives you peace of mind, allowing you to focus on the company's growth. If you have never bought commercial insurance, you may wonder which coverage is right for you. To help you, Four Oaks Insurance Group Inc., serving the great state of Texas, explains a few coverages you need to know about.
If your company uses vehicles for day-to-day operations, you need to insure the vehicle and the drivers using them. This type of coverage helps cover things like medical expenses resulting from an accident, the cost of repair or replacing your vehicle, and legal fees if you are sued for damages caused by your company's car.
General liability helps protect the business from damage caused by a third party on your business premises. It can be bodily injury, property damage, or personal injury like slander. This type of insurance helps cover medical expenses, costs of repairing or replacing an item, and any legal fees.
This form of commercial insurance helps cover expenses resulting from your employees sustaining a work-related injury. It covers things like medical bills, replacing the lost income, funeral costs, and ongoing care.
This policy provides cover for your business from losses like theft, fire, and other disasters covered. It also helps cover any claims that could result from the company's operation, including property damage and bodily injury.
Commercial property insurance helps protect the building and equipment you are using to run the business from risks like fire and theft.
When shopping for commercial insurance in Texas, you may get confused about which coverage your business needs. Fortunately, you can call us at Four Oaks Insurance Group Inc. to learn about commercial insurance. Our agents are ready to help you choose the proper coverage for your business.