Business Insurance Texas

We understand how narrow the operating margins are for most businesses. Major unforeseen expenses, property damage or customer accidents can seriously jeopardize your livelihood. It’s our priority to draft a business insurance plan that limits risk and helps keep operating costs consistent. To meet this goal, R Tinker Insurance provides comprehensive cost-effective insurance coverage for businesses in Texas.

What should Texas business insurance include?

Our insurance plans offer protection in three main areas that directly affect your bottom line.

• Property coverage
• Liability
• Business interruption

Property coverage protects your structure and equipment assets; liability coverage reduces costs incurred from people claiming harm as a result of your business and business interruption coverage ensures you’re able to cover business expenses during temporary shut-down.

Find out more about each area of coverage below.

PROPERTY COVERAGE

Property coverage is often divided into two parts in a business policy:

Fixed Property (buildings, fixtures, etc.)

Contents (equipment, inventory, etc.)

or it can be a combined single limit.

The ways that your property can be covered are:

"All Risk" or "Specified Peril."

LIABILITY COVERAGE

Liability coverage generally protects you from claims that arise out of harm your business (including employees) cause another.

Key questions:

• Do you operate off-site?

• Serve alcoholic beverages at functions?

• Sell products that could cause harm?

• Do you or your employees operate personal vehicles at anytime in the course of doing business?

BUSINESS INTERRUPTION

What happens if your business is shut down? Who will pay the bills? Will you be able to resume when everything is back to normal?

This coverage is often overlooked.

It shouldn't be.

Ask us to review what you currently have and we can work with you to make sure you are adequately protected!