While business owners in Texas are not required by law to carry workers’ compensation insurance or business liability insurance, it sure is a good idea. You’ve worked hard to open your business and invested tons of time and money into it so you want it to be successful and very well protected. The best way to protect your business is through obtaining a commercial insurance policy

Workers’ Compensation Insurance

Workers’ compensation insurance will cover your employees if they become injured or ill while working for you on their job. This part of your commercial insurance policy covers their medical expenses and lost wages while they are recovering.

Commercial Business Liability Insurance

Liability insurance for your business will protect you if a person is injured while visiting your business or due to something related to your business. For example, if you own a tree trimming service and a branch falls from a tree and hits someone in the head, this part of your policy will cover the medical bills for that person. It also covers property damage so if one of your workers drops a tree on someone’s house and there’s damage to the house, this part of your policy will pay for that. Commercial liability insurance will also help pay for any damages caused by a personal or advertising injury, such as slander or libel.

Other Coverage Options

Commercial property insurance will cover your business if there is a break-in or a theft that occurs along with your business becoming damaged or destroyed by a fire, vandalism, or natural disasters, such as a tornado or hail storm.

To create the best commercial insurance policy for your business, you need to enlist the assistance of an experienced commercial insurance agent. The agents at the West Texas Insurance Agency in Amarillo, TX will help you create the best policy for you and your situation. Call for an appointment today!