Business Insurance

small business ownerThe proper business insurance can help protect everything that you’ve worked for. The unfortunate reality is that your odds of getting sued have continued to rise over the years, but we can help reduce your risk.

General Liability: This will pay losses resulting from bodily injury or property damage related to your business operations. This can include things like a client or customer getting injured on your premises, as well as damage to a client’s property by you or an employee, whether at your client’s home or at your place of business. Davis & Associates can help determine the right coverage, which depends on your situation.

Professional Liability: This protects a company from mistakes in giving professional advice or service. It is also known as Errors & Omissions insurance, and is helpful in covering you from unintended errors. If you are a medical or legal professional, or work as a consultant, broker, or accountant, you will benefit from this coverage unless you never make mistakes.

Workers Compensation: Workers comp is not required by law in the state of Texas, but that doesn’t mean you don’t need it. Different from standard health insurance, workers compensation relates specifically to injuries that occur while on the job. You have a legal responsibility to provide working conditions and a workplace that is safe, but when accidents happen, this will cover employees and protect you from lawsuits.

Employment Practice Liability: There are a number of claims an employee can make against an employer, including discrimination, sexual harassment, and wrongful termination. We can make sure you have adequate coverage to protect against damaging lawsuits.