Houston, Texas Business Insurance
As Texas’ largest city and one of the biggest metropolitan areas in the United States, Houston has seen explosive commercial growth in the last decade. This trend shows no sign of slowing, and Texas’ favorable business climate makes it a draw for thousands of business owners—small and large alike—who want to set up shop.
Still, when embarking on a business venture in such a competitive economy, you must be prepared for anything. This means having commercial insurance options customized to your needs that can protect you in the face of any number of unexpected, unavoidable hazards.
At Amco Auto Insurance, we’re the experts who can tailor commercial benefits specifically to the advantage of the individual customer. We’ll work with you to develop a comprehensive business insurance portfolio that will come to your aid at the times you need it most.
Call us at 713-771-2626 or request your free commercial insurance quote now!
Common Business Insurance Questions
What Is Business Insurance?
There are plenty of hazards that might impact a Houston business:
A customer could get injured on your property and sue you over the losses they sustain.
Company drivers could have accidents, or company cars could get stolen.
Under these and so many other circumstances, your company could face financial setbacks and even financial ruin. That’s something no business owner wants to experience, and you shouldn’t have to weather these storms alone. Proper business insurance will help your company design a protective cushion that you can rely on for financial support following a multitude of challenges.
What Does Business Insurance Cover?
Business insurance is not a single policy like homeowners, auto or life insurance. Rather, it’s an umbrella term that refers to numerous commercial insurance options that the average business might need.
It’s up to you to find the optimized combination of benefits for your Houston business’s needs. Some of the policies you can enroll in with our help include:
Commercial property insurance: If something damages physical property—such as your building or possessions—then this coverage can help you repair or replace them.
General liability insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
Business interruption insurance: This helps you pay the bills if you must temporarily close after a damaging accident.
Commercial auto insurance: When the company owns vehicles, this coverage will supply the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
Workers’ compensation insurance: If an employee gets hurt on the job, they are often eligible for workers' compensation. It will supply them with supplementary income during their recovery.
Errors and omissions insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
Surety bonds: If you are contractually bound to certain clients, bonds will guarantee that you will repay them if you cannot meet your obligations.
Of course, there are many other policies available that are designed to protect you against specific risks and liabilities. These include:
Employment Practices Liability Insurance (EPLI)
Products/Completed Operations Liability Insurance
Cyber Liability Insurance
Umbrella Liability Insurance
Hired/Non-owned Auto Liability Coverage
How Much Business Insurance Does a Small Business Need?
Small business owners can benefit financially by bundling their essential coverage into a business owners policy (BOP). The BOP is designed for small operations and allows you to get several benefits (e.g., property, general liability, business interruption) in one place and at one price.
How Much Business Insurance Do I Need in Houston?
Your company is unique, which means you will face a unique set of liabilities that will directly impact your insurance needs. Even if you were to compare the insurance portfolios of two businesses in the same industry and location, you would often find their coverage options to be vastly different and for good reason.
Our agents will work hand in hand with you to optimize the benefits within your portfolio in ways that offer you tailored coverage limits, deductibles, endorsements and other terms.
What Will My Business Insurance Benefits Cost?
Numerous factors can influence the price(s) of your commercial insurance policies, and all of your different plans will have different costs based both on the coverage you choose and the risk factors that the insurer assumes by covering you.
We understand that you might have concerns about the burden that your benefits will have on your overhead costs, but we are committed to working with you to get you the coverage that offers you the best value on the market.