Commercial Insurance

When you are a business owner in Texas, there is a type of commercial insurance that you are required to have. Other types are also helpful for keeping your business well-protected. Contact us at G&T Insurance Agency in Texas when you need commercial insurance.

Commercial Auto Insurance

In Texas, commercial auto insurance must be purchased for any vehicle owned by a business. This policy must have coverage for both property damage liability and bodily injury liability. This includes a minimum amount of coverage for one person who becomes injured in an accident caused by your vehicle. Another higher amount is required for all of the parties who are injured in the accident. To pay for the damage to the other person's vehicle or other personal property, the policy must have a minimum amount of property damage liability coverage. You can add to these minimum amounts for better coverage in case a severe accident occurs.

Other Types of Commercial Insurance

Texas is unusual in that it doesn't require businesses to have workers' compensation insurance. However, having this coverage for your employees is a good idea. This insurance pays for the medical bills and lost wages for employees who become injured in work accidents. This is important to have to protect your business from lawsuits and high medical bills. Cyber insurance is also helpful if you use computers in your industry. This protects you against problems such as data breaches that could make you liable to your customers for losing their personal information. There is also general liability insurance to cover a wide range of occurrences that can cost you.

Cover Your Business with Commercial Insurance

Your Texas business needs to be protected, and commercial insurance can provide that protection. When you need commercial policies, give us a call at G&T Insurance Agency to find out more about them.