Business & Commercial Insurance
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Business & Commercial Insurance Information
Business insurance is a crucial part of your company’s financial plan. Having appropriate insurance in place helps provide your organization with coverage for potential liabilities and risks beyond your control.
Contact Think Pink Insurance in Haltom City, Texas, to get help building your customized business insurance plan.
What Business Insurance Do I Need?
Business insurance isn’t a single policy; it’s a group of policies designed to protect your company from financial losses associated with risks and exposures common to your industry. Business insurance is highly customizable, so it’s crucial to work closely with your agent to get appropriate coverage.
Depending on your company’s needs, your agent may recommend the following core coverages:
- General liability insurance can help pay damages to a third party, including medical expenses, legal costs and repairing or replacing lost property.
- Commercial property insurance can help pay to replace or repair business property if it’s stolen, lost or damaged.
- Business interruption insurance can help cover normal bills, like rent, payroll, tax payments and loan payments if your company must shut down temporarily to allow for covered repairs.
- Workers’ compensation insurance can help pay employees’ medical expenses, rehabilitation costs, lost wages, legal expenses and disability or death benefits if they are injured or become ill in a work-related accident.
- Professional liability insurance, also known as errors and omissions insurance, can help insulate your company from financial losses if your business is accused of providing incomplete or improper services.
- Employment practices liability insurance can help pay for legal costs associated with a prospective, current or former employee alleging that your company engaged in inappropriate employment practices.
Your agent may also recommend that you add the following coverages and endorsements:
How Business Insurance Works
- Cyber liability insurance
- Commercial umbrella insurance
- Inland marine insurance
- Products/completed operations insurance
- Commercial auto insurance
Your business insurance policies are a contract between your company and an insurer. You pay a set premium for access to coverage as outlined in each policy’s declarations page. Your agent can help you shop for the best possible combination of coverage and price.
When to Get Business Insurance
Having appropriate business insurance is crucial to your company’s future financial well-being. Whether you have coverage now or need to initiate new policies, moving quickly is essential. Without adequate coverage, your business could be responsible for paying costs out of pocket for expensive damages that could put your company’s future in jeopardy.
At Think Pink Insurance, we specialize in helping businesses get the coverage they need at a great rate. Contact us today to get started building a business insurance plan tailored to meet the unique needs of your organization.