Commercial Insurance in Texas

Are you looking for protection for your business?

We offer many options for business insurance here at Carruth Insurance in Montgomery, TX. Commercial insurance is suitable for both small businesses and larger businesses. It works by protecting business owners against bodily injury, property damage, and false advertising claims. There are also insurance policies put in place that can protect any commercial vehicles (if you have them) and against weather damage.

What are the laws regarding commercial insurance in Texas?

Texas does not require businesses to acquire business insurance. However, it is the only protection that businesses have, in most cases. If something were to happen, and a business does not have insurance, they could suffer significant financial loss without any way to cover the costs. If your company has vehicles that people use, you must insure them, including both cars and trucks. This is required by state law.

What additional coverage options do I have?

There isn't just one specific policy for businesses to have that would cover every single risk there is. There are multiple policies in which you can choose.

Commercial auto insurance includes the following:

  • Liability
  • Physical damage
  • Medical payments
  • Uninsured motorists

Other business insurance coverage options are as follows:

  • Business owner policy
  • Business liability coverage
  • Covered building property
  • Covered business personal property
  • Commercial general liability-which includes liability and medical payment coverage
  • Worker's compensation & employer's liability
  • Professional liability
  • Commercial umbrella
  • Cyber liability
  • Directors and officer’s liability
  • Employment practices liability

As you can see from the above policies, there are many policy options to choose from. Each business should evaluate their own preferences and figure out what they need before deciding on the best coverage. Higher-end companies may want to consider more protection.

How can I obtain a quote?

If you are looking for a way to get more information or obtain a quote, feel free to visit Carruth Insurance. We are located in Montgomery, TX and will help you choose the right plan for your business.