Texas Gulf Coast Business Insurance Agency serving Pearland, Galveston, Houston, Friendswood, Brazoria, League City
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 the Texas Gulf Coast.
What should Texas business insurance include?
Our insurance plans offer protection in three main areas that directly affect your bottom line.
Do you have adequate business insurance coverage in each of the following areas?
- Property coverage
- 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 business insurance coverage below.
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 generally protects you from claims that arise out of harm your business (including employees) cause another.
- Do you operate off-site?
- Do you serve alcoholic beverages at functions?
- Do you sell products that could cause harm?
- Do you or your employees operate personal vehicles at anytime in the course of doing business?
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?
Ask us to review your current business insurance coverage and find out how we can work with you to make sure you are adequately protected!