Business Insurance Alvin Tx
Business insurance can be very complex. As a commercial business owner, there are many different risk scenarios that can be insured. For a complete business insurance Alvin Tx assessment for your business, please contact us directly.
To get a commercial property and general liability insurance quote for a main street type of business, contact us to get the best rates.
Make sure to watch our Worker’s Compensation video to answer questions you may have about worker’s compensation and your business.
Business Insurance FAQs:
Am I required to purchase workers' compensation insurance?
Texas is one of the few voluntary states. As a result, businesses are not required to buy workers’ compensation, but the laws certainly favor the purchase. If you do not purchase workers’ comp, then you lose your common law defenses regarding any employer liability suit. Basically, this means you lose in court if an employee sues you.
Can I insure a vehicle I use in business on my personal auto policy?
The State rating guidelines allow commercially used vehicles to be placed on a personal auto policy. The limiting factor is the underwriting guidelines set by the insurance companies. Many carriers will allow a light weight truck used in a low risk business (realtor, accountant, certain artisan contractors, etc.) to be included. We do not know of any carrier that will allow a fleet or large vehicles to be placed on a personal auto policy.