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Texas Insurance Blog

Insight into Commercial Insurance Requirements

Like an individual, a business needs insurance coverage to protect against scenarios that could cause physical or financial harm. An owner needs to get insight into commercial insurance requirements before purchasing a policy. InsPeak in Arlington, TX can help to define the coverage a business needs to keep the doors open.

What is Commercial Insurance?

Commercial insurance is designed to provide blanket coverage for a business, its owners, and its employees. Companies must protect their daily operations, office structures, and other commercial properties from damage related to unexpected events like lawsuits, work-related accidents, or natural disasters. Commercial insurance covers risks that may ruin a business’s reputation and impact its success in the marketplace.

Texas Commercial Insurance Requirements

The Texas bylaws do not require a business to have a standard commercial insurance policy. However, most local owners have purchased some degree of workers’ compensation coverage that protects their wealth. Workers’ compensation covers all expenses associated with an employee injuring themselves at work, including medical expenses, lost wages, and rehabilitation costs. 

All Texas businesses should have minimal general liability coverage as part of their commercial insurance policy. This coverage protects the business’s future against potential bodily injury claims that occur on-site. It also protects your business from a lawsuit after off-site property damage caused by an employee. The coverage will pay for all repairs and possible replacement of damaged personal property without a business owner making additional out-of-pocket payments.

To learn more about commercial insurance requirements, contact InsPeak in Arlington, TX. Our staff is eager to answer all of your questions and concerns. Their insurance expertise and knowledge will help you create a policy that meets your commercial insurance needs. Call and schedule an appointment today. 

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