Business Insurance in Houston, TX
Having suitable business insurance is an important part of running a company in Texas. Hidalgo Multiservices can help you review coverage for your assets, employees and daily business activities.
Types of Business Insurance Coverage
Here are some common coverage types of business insurance:
- General liability insurance may cover claims of third-party bodily injury, property damage or personal injury arising from your operations or on your premises.
- Professional liability insurance (errors and omissions) may provide coverage for claims arising from negligence or errors in professional services.
- Workers’ compensation insurance can provide benefits to employees injured at work, as required by law.
- Commercial property insurance may cover buildings, equipment, inventory and other physical assets against risks such as fire, theft or storms.
- Business owners policies (BOPs) are often suitable for small to mid-sized businesses and may combine general liability, business interruption and property insurance.
- Commercial auto insurance can cover vehicles used by your business for work purposes.
Optional Coverages to Consider
Some of the additional policies you may add include:
- Commercial umbrella insurance can offer extra liability coverage beyond the limits of your primary policies.
- Flood insurance may cover property damage caused by flooding, which is typically excluded from standard commercial property policies.
- Equipment breakdown insurance can help with repair or replacement costs when essential equipment fails due to mechanical or electrical breakdown.
- Employment practices liability insurance (EPLI) may address claims from employees regarding wrongful termination, discrimination or harassment.
- Cyber liability insurance may assist with costs related to data breaches, cyberattacks and other cyber incidents.
Why Having the Right Policy Matters
Choosing an appropriate policy may help your business:
- Meet legal and contract requirements
- Recover from fires, storms or lawsuits
- Maintain assets and revenue
- Earn trust from clients and partners
Learn More
Contact Hidalgo Multiservices today to get a free personalized quote.