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Insurance Type

When you have a business of any size in Texas, there are certain insurance policies that you have to have to stay legal. In addition to this, other types of insurance are highly recommended for business owners. If you need to insure your business, or you want to add a policy, call us at All Around Insurance Agency in Katy, TX to talk to an agent.

Commercial Auto Insurance

Every Texas vehicle that is owned by a business must have a commercial auto insurance policy. If you try to put a personal auto policy on one of these vehicles, the chances are that it won’t pay out in the event of an accident. This puts your business at risk of liability and enormous medical and property damage bills. With a commercial policy, you can have peace of mind knowing that you have the right policy and that an accident that happens will be covered. Texas has a mandatory minimum amount of coverage for the bodily injury liability of one person in an accident, a higher minimum amount for all of the bodily injury liability from the accident, and a set minimum amount for the amount of property damage coverage for an accident.

If your business does not own your vehicle, but you use it for some business tasks, a personal auto insurance policy is unlikely to pay out for an accident as well. Instead, you need a policy called hired and non-owned coverage.

Workers’ Compensation Insurance

Unlike most other states, Texas does not have a workers’ compensation insurance policy mandated. However, it’s a good idea to get workers’ comp coverage to protect your employees and your business. Today’s medical bills are increasing all the time, and it would be up to your business to pay for all of the medical bills if a worker were to get hurt or develop an illness while at work. With this insurance type, the medical bills and lost wages can be paid by the insurance company. If your company does business for the government, this kind of coverage is required.

Make an Appointment With an Agent

When you need commercial insurance, call us at All Around Insurance Agency in Katy, TX to make your appointment.

Home burglary can result in huge financial losses. Such calamities can also destroy items in your safe, such as fire or floods. This can cause you emotional distress, especially if you discover that your home insurance policy does not cover the items. It is crucial to disclose to our agents at All Around Insurance Agency on all the various items you would like covered by your home insurance policy. For residents in Katy, TX, it is critical to disclose the contents of your safe and the actual value of the items in the safe.

What is a home insurance policy?

This a policy that covers you against financial obligation in the event of an accident or a disaster involving your home. A standard home insurance policy will cover your home structure and personal belongings in case of a fire. A home insurance policy will also cover you against legal liability for damages you have caused on other people’s property or injuries caused to others. No need to worry about injuries to your pets as they are also covered.

What is not covered by a home insurance policy?

Your home insurance policy does not cover all types of losses or damages. Such items as jewelry, collectibles, and fine art may be excluded from your home insurance policy. Some insurance companies will cover these items up to a particular limit, and it is essential to disclose the actual worth of your valuables. Additional insurance coverage will be recommended where the value exceeds the insurance limit.

If you are running your business within your home premises, business property is not covered by the standard home insurance. You will be required to purchase additional business insurance to cover these items.

Please feel free to visit our website for further information or call our agents at All Around Insurance Agency in Katy, TX. They will guide you through all you need to know about a home insurance policy.