5 Instances When Business Liability Insurance Is a Must in Texas

Whether you are just starting up or your business in Texas is changing, it is important to take the time to consider and review insurance coverage. This includes liability coverage. This insurance will help make sure you and your business are protected when unforeseen circumstances occur and you may be at risk for a lawsuit. Here are five instances when you and your business need liability insurance:

1. If you do business on-the-go…

If you often attend seminars, conferences and exhibitions, then it is crucial you have liability insurance. This is because an attendee may become hurt due to your alleged negligent actions. For example, an attendee could trip over your stand or an extension cord that you have hooked up.

2. If you have employees…

When you have employees, you are ultimately responsible for their safety. This is true whether it is part- or full-time employees, temporary workers or even volunteers.

3. If you change locations…

When you move premises, new insurance may be required or an increase in your current coverage may be necessary. In some cases, you may have never needed liability insurance because you worked from home and didn’t have clients come to you. However, now that you have upgraded to a building location, it is likely that you will have clients and other people visiting you. If they were to injure themselves while on your premises, you may be able to be held liable.

4. If you have clients that require it…

In some cases, your clients may actually request that you have liability insurance in order to work for them. This is particular true for contractors. The reason for this is because the insurance will pay if you accidentally damage your client’s property while there.

5. If you work for larger corporations…

The larger the corporation that you work for, the more coverage that will be necessary. If you work for only small businesses, then you don’t need a lot of coverage. When you bring on new, bigger clients, you will need to upgrade your coverage to ensure that you are properly covered. After all, bigger corporations will bring larger potential liability.

If you are uncertain as to whether you need liability coverage, aren’t sure how much you need or would like to upgrade your current coverage, please don’t hesitate to give us a call to speak to our of our experienced independent commercial insuranceagents in Texas. We are here to help you make sure that you and your business are protected every step of the way!

Avoid El Paso, TX Homeowners Insurance Premium Increases

There are things that you can do to try to keep your homeowners insurance premiums where they're at now. One of those things is reducing the possibility of claims against your coverage. The first step in doing this is to make your home safer, like installing new smoke detectors and carbon monoxide detectors on every floor. Although more costly, installation of a home security system that notifies police if it's set off protects you, your family and your valuables.

The secret is for you to find out exactly what you can do that will result in homeowners insurance premium discounts. That's where your independent insurance agent comes into the picture. Because we represent several different insurers, we're well aware of which ones give discounts for safety improvements around your home, along with other factors that can save you money. Even things like improving your credit score can help you avoid a premium increase. It's pretty safe to say that people with good credit are less of an insurance risk.

There are many quality homeowners insurers out there other than the big three or four. An El Paso, TX independent insurance agent can access many different homeowners insurance choices for you along with many different premiums. Since every homeowners' considerations are different, they can find you a policy tailored to suit your specific needs.

The super-sized insurers offer one choice and one choice only. The independent insurance agent gives you a variety of choices. You're not just another anonymous customer to us. You're a trusted and valued client in a small town atmosphere. We want your trust too. Whether you're a new or established homeowner in Zip Code 79912, you're welcome at the independent insurance agent's office. Feel free to contact us.