Commercial Insurance in Houston Texas

General Liability, Property And Auto

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Commercial-Insurance-In-Houston-Texas

Commercial Insurance Policies can incorporate different types of coverage. A Commercial Insurance Policy can cover one or more of the following General Liability, Property and Auto. Hector Chavana Jr has years of experience in insurance and has been licensed to sell insurance since 2007. Hector is an independent agent, and he can provide a variety of different quality, brands, and prices to serve business owners with different needs. In most cases, he can quote you over the phone by calling 713-695-3072.

Commercial insurance can help you to protect different aspects of your business. Every business has its own set of risks, against which insurance can help protect. For example, a restaurant has different types of needs than a contractor. Both are businesses, but they have vastly different risks. Hector can help you identify your business needs and find the appropriate coverage.

Generally, Commercial Insurance can cover property, general liability, specific liability, and auto risks. Hector can review your commercial insurance options by phone. You can call him at 713-695-3072.

Commercial Insurance – Property Coverage

A business can insure its Business Personal Property, even if it does not own the building.

A business can cover itself against fire, hurricanes, flood and other perils. Depending on different rating factors, a business should certainly consider whether basic, broad or special coverage is the best fit. Property coverage can potentially cover:

Commercial Equipment
Loss of Income
Commercial Autos
Buildings (Newer and Older Buildings; Newer and Older Properties)
Almost Any Other Type of Property

Call Hector Chavana Jr. at 713-695-3072 for a quote.

General Liability Insurance

General Liability Insurance generally covers injury to the person and property of third parties that occur arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.

General liability can work differently in different types of businesses. For example, general liability in an office setting might primarily protect against clients’ slips and falls. On the other hand, a contractor can harm a member of the public while he is working on a home. General liability insurance can protect you against these sorts of claims. Upstream contractors often require that they be named as an additional insured, and Hector can make sure you have the right type of additional insured coverage as well.

As a general matter, general liability pays:

Third-party injuries occurring by negligence
Legal bills incurred as a result of third-party injuries
Claims made by competitors regarding advertising

Commercial Auto Insurance

Commerical auto coverage is relatively similar to a personal auto policy, but the limits tend to be much higher, and there can be restrictions as to who the driver may be.

A commercial insurance policy can protect a business against lawsuits and natural disasters. These disasters can be fatal to a business that does not have adequate insurance.

Visit Hector at 2702 Little York, Houston, TX 77093 or call 713-695-3072. Call today to find a policy that best suits your business in Houston or any part of Texas.