Given that every business is different, the proper business insurance program needs to be specifically tailored. To that end, download and complete a risk toolkit or call Inspire Insurance Soltuions today at (512) 828-4200 for a free risk assessment.

A broad commercial policy that covers liability exposures of a business that are not specifically excluded. Coverage typically includes product liability, completed operations, premises and operations, and personal and advertising injury. It is recommended that all businesses operating have general liability coverage in place. Request a business insurance quote today.

A Texas business insurance policy that combines property, liability and business interruption coverages for small to medium-sized businesses. Coverage is generally cheaper than if purchased through separate insurance policies. A business owners policy is typically available to businesses and industries that are typically viewed as having relatively low liability exposures.

This coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally this coverage protects an employer from being sued by an injured worker in most cases. A commonly overlooked exposure for companies who employ mostly office workers is the potential injury to employees while driving their own vehicles on company business. This could be as simple as an employee driving to a sales call, the bank or office supply store. If you have employees it is critical that you secure this important coverage.Request an insurance quote today

E&O covers professionals for negligence and errors or omissions that injure their clients. In addition to covering licensed professionals such as accountants, attorneys, insurance agents, architect and engineers to name a few, technology companies frequently have a professional liability exposure. This typically arises from the fact that the general liability policy excludes damage to data. Technology E&O can protect your company in the event that your negligence, error, or omission causes damage to a third party’s data. It is recommended that all professional and technology companies have E&O coverage. Contact an Agent today for more information business insurance.

This Texas business insurance policy provides coverage for losses above the limit of an underlying policy or policies such as General Liability, Employers Liability and Automobile Liability. While it applies to losses over the dollar amount in the underlying policies, terms of coverage are sometimes broader than those of underlying policies. Due to the unpredictable nature of jury awards, it is recommended that your business insurance program have this coverage.

Employment Practices Liability Insurance for employers that covers employment related liabilities other than on the job injuries. EPLI will cover legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. Although only three percent of Employment Practices lawsuits go in favor of the plaintiff, the average cost to defend yourself in one of these is well over $200,000. If you have employees, your business insurance program needs this recommended coverage. Contact an Agent for more information.

Directors and officers liability insurance (D&O) covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in suits against the company. There are a variety of D&O coverages. Corporate reimbursement coverage indemnifies directors and officers of the organization. Side-A coverage provides D&O coverage for personal liability when directors and officers are not indemnified by the firm. Entity coverage, for claims made specifically against the company, is also available. D&O policies may be broadened to include coverage for employment practices liability.

This Texas business insurance policy provides coverage for bodily injury liability and property damage, for injuries/damage the policyholder causes to someone else. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car are also offered. Optional property coverages for damage to the insureds vehicles are also available in the form of collision, for damage to the policyholder’s car from a collision and comprehensive, for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft. Uninsured motorists’ coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance is also recommended. Request an insurance quote today

This provides a business with business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired) or a non-owned vehicle (employee using their own vehicle on company business). This can often be inexpensively be added to the commercial auto policy or in some cases a general liability policy.

For any commercial buildings owned, replacement cost coverage is needed. Although cost estimators are available, it is recommended that you secure an appraisal from a third party to accurately determine the current replacement cost of the building. Request a business insurance quote today.

Most commercial property policies and homeowners policies exclude flood as a covered cause of loss. A separate policy must be purchased to financially protect you from damage due to a flood. Contact an Agent for more information.

This Texas business insurance policy provides coverage for your business personal property at a specified location. This includes furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited for property taken off a scheduled location. If you have equipment that is frequently taken off site to various locations it is important that you have an inland marine policy (equipment or installation floater) to cover this property. Request an insurance quote today

A business insurance coverage that reimburses a business owner for lost profits and continuing fixed expenses during the time that a business must stay closed while the premises are being restored because of physical damage from a covered peril, such as a fire. Business income insurance also may cover financial losses that may occur if civil authorities limit access to an area after a disaster and their actions prevent customers from reaching the business premises. Depending on the policy, civil authorities’ coverage may start after a waiting period and last for two or more weeks. It is strongly recommended that all businesses acquire this coverage.

Electronic Data Processing coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks. Request a business insurance quote today.
The above list is not meant to be a comprehensive analysis of available coverages, nor is it meant to define the actual scope of coverage in these policies. Actual coverage is solely determined by your policy contract.
If you have additional questions, please contact an agent today.