In a world where an endless variety of disasters can strike without warning, your insurance coverage is designed to help you pick up the pieces. As a business owner, you can’t take the risk of allowing a fiasco to cause a drop in productivity or completely shut down your company. Unfortunately, this is often the case for businesses that are not sufficiently insured.

When you’re looking to secure enough liability and property insurance to protect your company, your personal finances, and your employees, Integrity Insurance Solutions of San Marcos, TX, has the commercial insurance selection to fulfill your needs. 

The most common coverage requirements consist of some variation of these insurance policies:

• Business Owner’s Policy: A business owner’s policy is a package policy that combines general liability and property insurance. As an incentive, this bundle is usually offered at a lower rate than if the two were purchased separately. Liability insurance protects your business if someone is injured on the premises or because of defective products, and property insurance covers the physical business location and its contents from damage or theft.
• Professional Liability: Along with a business owner’s policy you may opt to purchase additional professional liability coverage—also known as errors and omission. This will protect the company against claims that a negligent act, serious mistake, or malpractice was committed while providing a professional service.
• Workers’ Compensation: Workers’ compensation insurance is essential for all employers. This will pay for an employee’s medical expenses should they get injured or sick on the job, as well as cover a portion of their lost wages while they are out recovering.
• Commercial Auto: If your business owns, rents, or leases vehicles for company use, commercial auto coverage might be another consideration. If an employee causes a traffic collision, this policy will be vital in covering the damages.

To avoid coming up short, go over your current policies with an insurance professional who can verify you have all the liability, property insurance, and employee coverage you need. Contact Integrity Insurance Solutions at (512) 396-2211, or visit their website for more information.