Commercial Coverage
Business Insurance
Commercial insurance solutions for businesses across Texas. We help you explore coverage options for your specific business needs — based in Pearland, TX.
Every business is different. Whether you operate an office, retail location, service business, or rental property, the right insurance coverage depends on your industry, size, and exposures. Contact our agency to discuss options for your business.
Who We Serve
We work with a variety of small businesses and commercial property owners across Texas, including:
- Offices and professional services
- Retail businesses
- Service businesses
- Property owners and landlords
- Contractors and tradespeople
- Other small businesses
Business insurance needs vary by industry, size, and exposure. Contact our agency to discuss coverage options for your specific business. Availability, limits, exclusions, and terms vary by policy and carrier.
Commercial Coverage Options
Business Owners Policy (BOP)
A Business Owners Policy (BOP) combines several common coverages into a single policy, which may be a convenient option for eligible small businesses. A BOP typically bundles general liability and commercial property coverage.
- General liability coverage
- Commercial property coverage
- Business income/interruption coverage may be included or available
- Eligibility and available coverages vary by carrier and business type
General Liability Insurance
General liability insurance can help protect your business from claims involving bodily injury, property damage, and personal and advertising injury arising from your business operations.
- Bodily injury and property damage liability
- Personal and advertising injury
- Products and completed operations liability
- Medical payments to others
Commercial Property Insurance
Commercial property insurance can help protect your business's physical assets, including your building (if owned), equipment, inventory, and other business property.
- Building coverage (if owned)
- Business personal property
- Equipment and inventory
- Coverage for covered perils such as fire, theft, and certain weather events
Commercial Auto Insurance
If your business owns or uses vehicles, commercial auto insurance provides coverage that personal auto policies typically do not extend to business use.
- Liability coverage for business vehicles
- Physical damage coverage
- Coverage for employees driving company vehicles
- Hired and non-owned auto coverage may be available
Business Income / Business Interruption
Business income coverage can help replace lost income and cover ongoing expenses if your business operations are interrupted due to a covered property loss.
- Lost income replacement during covered interruptions
- Coverage for ongoing fixed expenses
- Extra expense coverage may be available
- Terms and waiting periods vary by policy
Lessors Risk / Landlord Exposures
If you own commercial property that you lease to tenants, lessors risk coverage (also called landlord insurance for commercial property) can help protect your building and provide liability coverage for your landlord exposures.
- Building coverage for owned commercial property
- Liability coverage for landlord exposures
- Loss of rental income coverage may be available
- Contact our agency to discuss your specific property and tenant situation
Commercial Umbrella / Excess Liability
Commercial umbrella or excess liability coverage can provide an additional layer of liability protection above the limits of your underlying business policies, when available.
- Additional liability limits above underlying policies
- May extend over general liability, commercial auto, and employers liability
- Availability and terms vary by carrier and business type
Other Commercial Insurance Solutions
Depending on your business type and exposures, additional commercial insurance options may be available. Contact our agency to discuss your specific needs.
- Workers compensation (where applicable)
- Professional liability / errors and omissions
- Inland marine / equipment coverage
- Other specialty commercial coverages — contact us to discuss your situation
Let's Talk About Your Business Coverage Needs
Business insurance needs vary by industry, size, and exposure. Contact our agency to discuss coverage options for your specific business.