Texas Commercial Insurance
Over 70 Years of Insuring Businesses in Texas and Beyond
Texas Commercial Insurance
When considering a business owner’s policy, Texas business owners should consider coverage for a wide range of work-related incidents. Potential property damage, illness, and injury are some of the possible risks that may occur when owning your own business. The commercial team at The Nitsche Group has more than 70 years of experience writing business insurance policies. Whether you are in need of general liability coverage, worker’s compensation, or BOP, we are here to help you.
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This type of insurance will protect Texas small businesses from a variety of claims including bodily injury, property damage, personal injury, and other liabilities related to your business sector. If you provide direct service to your clients, you may consider having professional liability insurance.
If your business requires vehicles for operation, this insurance coverage is an absolute necessity. Commercial auto provides liability and coverage for all work vehicles and trailers not included in a personal policy.
Property coverage for your commercial space helps protect your business from unforeseeable circumstances such as a fire, natural disaster, or theft. Coverage in Texas may also include protection for accounts receivable or lost income due to extenuating circumstances that may put your business operation to a halt.
A data breach can damage more than just your small-business computer system – it also can damage your reputation and put your customers and/or employees at risk. That’s why cyber liability insurance is vital for businesses of every size.
While the state of Texas does not explicitly require workers’ comp, it should still be a priority for your employees and business. This type of coverage includes any incurred costs from employees who have been injured on the job. Benefits associated with workers comp include medical coverage, wages from lost work hours, and more!
Business Owners Policy
BOP is a blend of both property and liability coverage into a single policy. These policies are ideal for Texas businesses who either own or rent property like an office building, warehouse, or traditional brick and mortar. You should consider a business owner’s policy if your business could be sued or you have assets that could be damaged or stolen.
Business umbrella policies can help cover potential disasters or catastrophes that may leave your company in financial ruin. Commercial umbrella insurance extends beyond your current general liability coverage. It can provide coverage against bodily injury or property damage the business could be held legally liable for.
Access to A Variety of Texas Business Insurance Policies
When considering a business owner’s policy, Texas business owners should consider coverage for a wide range of work-related incidents. Potential property damage, illness, and injury are some of the possible risks that may occur when owning your own business. Whether you are in need of general liability coverage, worker’s compensation, or BOP, our team is here to help.
Texas Business Insurance FAQs
What is The Cost of Business Insurance in Texas?
The cost of commercial coverage in Texas will vary from business to business. Every company has its own associated risks depending upon its particular industry. Some other factors that will determine the cost of your policy will include the size of your business, where it is located, and the coverage needs you to require. Get in touch with our experienced team today at 979-542-3666 to review your insurance options.
What are Business Insurance Requirements in Texas?
Texas is one of the only states that doesn’t require private businesses to offer workers’ compensation. However, businesses that have a contract with a government entity are required to provide workers’ compensation for each employee until the contract is completed. By choosing to offer workers compensation or other business liability coverage your company is left vulnerable to potential lawsuits down the line.
Why Choose The Nitsche Group for Your Texas Insurance Needs?
Since 1949, The Nitsche Group has worked with thousands of Texas Businesses. As an independent insurance agency, we’re able to provide our clients access to insurance coverage from many carriers, meaning more options and coverage solutions. Whether your business is in Houston or Austin, Waco or Giddings, we have an experienced commercial insurance team in your area, ready to help you review your coverage options.