Commercial Insurance in Texas

Have you ever taken a moment and pondered about the number of dollars you have invested in your business? Consider the hard work, energy, and time you have put into your business venture. All these relentless efforts can't vanish in vain. You have to cushion your business from impending perils like fire and vandalism. Protect your business by procuring commercial insurance from Davis & Associates LLC in Allen, TX today, and you won't regret it. Commercial insurance safeguards your business against unforeseen eventualities like liability, injured employees, lawsuits, and business disruptions. Please liaise with our professional agents at Davis & Associates and get commercial insurance satisfying your needs and budget.

Is commercial insurance a must in Texas?

Commercial insurance is not legally required by law in Texas. Are you aware that Texas is the only state that doesn't advocate seasonal or permanent businesses carrying workers' comp insurance? It only advocates businesses running their operations with a fleet of vehicles to have commercial auto insurance. However, it's imperative to consider other types of commercial insurance, including:

• General liability coverage: It caters to medical expenses and impending legal fees from third parties like clients who get injured on your business premises.
• Workers' comp insurance: Even though the law in Texas doesn't advocate for workers' comp insurance being maintained by businesses, it's paramount to obtain it as optional coverage because it pays for medical expenses and missed wages for any related work injury or sickness for your employees in your workplace.
• Commercial property insurance: What may happen if your business equipment or structure gets damaged by a covered peril? Do you have enough funds to avert your business from getting disrupted? If not, this type of coverage protects the business structure and assets like inventory, computers, and other office equipment from perils like fire, hail, and theft.
• Data breach insurance: It shields your business from malicious online hacking. It protects your business from data breaches and cyber-attacks.
• Business Owners Policy (BOP) bundles property and liability policies into one formidable coverage that is easily flexible and manageable.

Are you stuck on establishing the best commercial insurance for your business entity? Don't hesitate to contact our charismatic agents at Davies & Associates, and they will walk you through all the types of commercial coverages available. Call or visit us in Allen, TX today, and you won't regret it!