Austin Business and Commercial Insurance
CALL US TODAY . (512) 454-5266 . for questions or new policy.
Commercial/Business Insurance:
Business insurance or commercial insurance covers many types of businesses and includes coverage for the owned property such as buildings and contents, loss of income in the event of damage to the business, and a wide range of other items such as cargo.
Commercial General Liability Insurance, commonly referred to as Business Liability Insurance, can be written alone or included in a Commercial Package Policy along with the property coverage. The business liability policy protects for bodily injury claims and property damage claims that occur both on and away from the premises as a result of business activities.
Business Automobile Policies provide physical damage and liability coverage for automobiles, trucks, trailers or fleets in a business’ name, or vehicles used to transport goods, materials, or supplies. Other coverages such as personal injury protection, uninsured motorist, and medical payments can be added by endorsement. If employees are using their personal automobiles for business, Hired and Non-Owned Automobile insurance will provide liability coverage to the business in the event of an accident.
Workers’ Compensation and Employers’ Liability Policies are voluntary coverages for business owners in Texas. These policies provide coverage for medical expenses and disability to the employee in the event of a work related injury yet also provide legal liability coverage to the employer. Some companies pay dividends or a return of premium at the end of the year based on losses and a determination by the board of directors of that company.
Occupational Accident Policies are also often purchased by some customers as a substitute for workers compensation. We offer a wide arrange of policies of this type through different companies that can meet the needs of our customers.
Many businesses have inland marine exposures. A Commercial Inland Marine Policy can be included on the Commercial Package Policy or written alone. It provides many types of coverage including but not limited to; cargo in transit, electronic equipment, valuable papers, physicians’ equipment, signs, builders risk, and property in fixed locations.
There are many other important business insurance policies offered and available for Austin businesses such as an Umbrella Liability Policy which allows the business to purchase much higher limits of liability insurance to protect their assets. Directors and Officers Liability is a unique form of liability insurance that is carried by publicly owned business such as nonprofit and social service entities to protect the board members. Errors and Omission policies to protect the business in the event of accidents or mistakes in judgment occur which bring about a lawsuit or claim against the firm.
Flood and Windstorm Policies provide coverage to the structure, and contents can be added to the policy by endorsement. These policies are necessary if the business is located in certain parts of the state or if the business in located in flood prone areas and may be required by the mortgage company.
Farm and Ranch Insurance needs in Texas are also a form of business insurance. A Farm and Ranch policy includes all of the farm properties such as; the main farm residence, other homes on the property, barns, automobile garages, trailer and tractor sheds, grain storage buildings and livestock. Farm equipment can also be scheduled on the farm and ranch policy.
Providing clients with Home, Auto, Farm, Flood, Mobile Home, General Liability, Umbrella, Workers Compensation, and Business Insurance throughout Texas, including: Austin, Pflugerville, Round Rock, Georgetown, Hutto, Taylor, Cedar Park, Leander, Liberty Hill, Buda, Kyle, Elgin, Cedar Creek, Manor, Bastrop, Dripping Springs, Del Valle, and Lakeway.
Austin Business Insurance Policy by Ed Weeren Insurance Agency, Inc.
