Business Insurance - GraphicBusiness Insurance - What it Does! Business Insurance can protect your business from many risks you have as a business owner and can help it be a safer investment.
 
Why risk it? - Let us guide you to the best fit for your Business Insurance protection.  Buy the insurance coverage you want at a competitive price from an Austin based insurance agency. Professional service makes a difference!
 
Get help now - Call us at 512-444-3366Real people that want to help! - We're more than a website!
  • We welcome your questions!
  • We are business insurance specialists.
  • New ventures welcome!
  • We offer a broad range of insurance products to fit your needs.
  • Local friendly service for over 30 years.
  • Visit us at our nearby South Austin Office. Directions & Contact Information
 
Insure Your Business - Select a link for insurance issues particular to your type of business.
 
 

Link to essay on keeping your business safe with insurance

Is Your Business a Safe Investment?  Link to a list of risks for business owners. This list can help you identify your enterprise's vulnerabilities so that you can better manage your risk and safeguard your profits.
 
 
Business Insurance Quote:

To obtain a customized Business Insurance quote:
 
Request a Business Insurance Quote Link   Quick Contact Form Link - Quote Austin Insurance 
 

Overview of Business Insurance Policies:
 
Business Income / Extra Expense (Generally included in a "Package Policy") - Together these insurance coverages help a firm survive the interruption of normal business operations because of an insured loss. Business Income provides funds necessary to maintain your company's financial condition while business is suspended. Extra Expense helps by providing funding to maintain business operations (relocating for example) and to accelerate your business re-opening. These consequential losses can, in some cases, exceed the loss of assets in an insured event.
 
Commercial Auto Insurance - Commercial auto insurance is much like a personal auto insurance policy, but with some key differences and rated for how you are using your auto in your business. Protection is focused at the many risks of owning and operating a business auto. Primary elements include: Auto Liability, Uninsured / Underinsured Motorist, Personal Injury Protection, Comprehensive & Collision. Special coverages only available on a Commercial Auto policy are Hired Auto & Non-Owned Auto. Auto Liability (or Financial Responsibility) is a Texas State Requirement. Large commercial vehicles (dump trucks, for example) are also required to have special permits with much higher Liability limits to meet Texas Department of Transportation filing requirements. For more information see: Work Truck Insurance
 
    Important Note: Using a vehicle insured on a personal auto policy for business purposes may result     in non-renewal and other problems with your insurance company since a personal auto policy is not      rated for commercial exposure.
 
Commercial General Liability - Provides protection from many legal risks for actions of you and your employees including Public Liability. Primary elements include: 
  • Products & Completed Operations - protects your business from
    consequences of your work and products sold
  • Advertising Liability - protects your business from accidental infringement of copyright from your promotional activities
  • Personal Injury Liability - protects your business from the personal injury events such as defamation of character
  • Tenant Legal Liability - protects your business for accidental damage to your rented premise 
  • Premise Liability - bodily injury or property damage caused by your business operations at your  place of work
  •  
    • Medical coverage - pays for medical expenses by patrons injured in an accident on your premise
Commercial General Liability is often required by your landlord on a leased business building and also by General Contractors at construction jobsites.
 
Commercial Property Insurance - Protection of your business tools, equipment, inventory, building and other assets. If your business assets are destroyed by an insured peril (a fire, for example) funds are provided to help your business replace those assets.
 
Garage Liability - Protects your business from your operations as an auto garage. Coverages include:
  • Garage Keepers - your risk of damaging a customer's vehicle in your
        custody
  • Products & Completed Operations - protects your business from
        consequences of your work and products sold
  • Premise Liability - protects your business from bodily injury or property
        damage caused by your business operations at your location.
Workers Compensation - Provides insurance protection for the employer from the risk of workers getting injured or sick while at work. Also provides compensation for the injured employee including lost wages and medical costs. Two main components: Statutory Worker's Compensation (per Texas State Law) & Employer Liability.
 
    Very important: an employer that opts not to purchase Worker's Compensation is stripped of their        common law defense for a worker injury. Without Worker's Compensation Insurance, your business is  one employee injury away from disaster.
 

David W. Crump - Authorized Agent Group Health Plans for Business Owners

Many business owners are grappling with the issue of health insurance for both themselves and their employees. Unicare has a unique program for small business owners wanting to offer group benefits including health, dental, life and short term disability insurance. Now your business can have a substantial benefit plan necessary to attract the employees you need to grow. 

 
Email or call David (512-444-3366) to discuss a group benefit plan for your business. 
 
 
 
 
Business Insurance Quote:

To obtain a customized Business Insurance quote:
 
Request a Business Insurance Quote Link  Quick Contact Form Link - Quote Austin Insurance