Commercial Insurance in San Antonio, TX
Business insurance is designed to help a company manage the financial impact of various challenges and risks. It’s a critical tool for helping businesses bounce back from unforeseen events that might disrupt operations or lead to monetary losses.
What Types of Coverage Should I Get? 
The coverage your business may need depends on various criteria, including its industry, workforce size and the types of risks it faces day-to-day. Here are some options worth looking into:
- General liability insurance may cover legal expenses if a customer, visitor or other third party claims your business caused their bodily injury or property damage.
- Commercial property insurance may help pay for damage to buildings, equipment or inventory.
- Commercial auto insurance may reimburse accident-related expenses involving vehicles used for business purposes.
- Business interruption insurance may help cover lost income and other expenses if operations are paused due to a covered event.
- Workers’ compensation insurance may cover medical care and lost wages for employees with job-related injuries or illnesses. If affected employees sue your business, it may also help pay for your legal costs.
- Professional liability insurance may apply to service providers facing claims of errors or negligence.
- Cyber liability insurance may cover expenses resulting from cybersecurity breaches or threats, including legal fees and data recovery costs.
- Employment practices liability insurance may cover claims related to improper hiring practices, wrongful firing or other inappropriate workplace conduct.
Consult an agent from Texas Associates Insurance to help assess your company’s risks and compare coverage options.
What Are Common Exclusions?
While the aforementioned pieces of business insurance are often valuable, they may not cover every situation. The following are common exclusions you may need to address in your business insurance package through specialized policies or endorsements:
- Intentional acts
- Wear and tear
- Contractual liability
- Regulatory fines and penalties
- War and terrorism
- Floods and earthquakes
Get Covered Today
Texas Associates Insurance has successfully helped businesses in San Antonio, TX secure appropriate coverage. Contact us today for a custom quote.