Choosing the Right Commercial Insurance Coverage

Home to beautiful neighborhoods in North Lanana Street and South Pecan Street, Nacogdoches, TX is one of the state’s oldest towns. The 75961 area code offers key components to state history, accompanied by a variety of town treasures. The Stern-Hoya house offers excellent locational background, and the nearby Stone Fort Museum is a common location for out-of-towners.


Prime Business Locations


The area’s location and street attributions have made it an excellent area for small and medium-sized businesses. Often, startup businesses have trouble selecting the correct “direction” as many options exist. When contacting agents for commercial insurance quotes, individuals should seek protection from unforeseen events—guaranteeing growth and scale protection.


Nacogdoches businesses deserve quality policies, and our collection of prime commercial insurance quotes makes selection easy. However, before selecting a plan, consider the following coverage components, as each may serve different businesses in different ways.


Asset and Property Insurance


If your business holds tangible assets and physical property, such coverage is needed. “Tangible” assets are touchable, and they’re often located on a company’s premises. They include:


  • Products
  • In-house equipment
  • Vehicles
  • Building materials


These assets may be protected, financially, from damage and theft, and individuals maintaining commercial insurance should query about specialized assets and property discounts.


Public and Product Liability Insurance


Public liability insurance is incredibly useful for companies interacting with external consumers. This component covers liabilities while managing personal injury, property damage and third party lawsuit claims.


Similarly, product liability insurance is an important component if you deliver or supply goods. This insurance covers a good’s cause of several possibilities, including:


  • Injury
  • Death
  • Damage
  • Expense


Commercial Vehicle Insurance


Sometimes, businesses operate automotive “fleets”. If you’re considering operating shuttle services, delivery services or contract services, commercial automotive insurance will be needed. Such coverage differs depending upon vehicle specifics, so examining different quotes is important.


Remember, not every insurance component is applicable to every business, so discussing risks and liabilities with a providing company should be considered. When utilizing our expansive database, feel free to acquire additional information pertaining to locational laws and regulations. While coverage may differ in your area, many providers offer custom-tailored plans guaranteed to protect a thriving business.




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Do I Need Commercial Insurance for My Texas Home Based Business?

One of the most common questions Huntington policyholders ask insurance agents is whether owning a home based business requires a full commercial insurance policy. This is a difficult question to answer and there are many variables that whether this type of policy is actually warranted. Usually, it depends on the type of business you are operating and how much commercial activity actually goes on inside your residence. Here are a few things to know.

Homeowners Policies Usually Exclude Small Business Endeavors

In Texas, most homeowners policies exclude small business endeavors. This means that, in certain scenarios, you would not have coverage should a claim occur. For example, keeping a room filled with inventory for your business and your home burns to the ground. You may not have coverage for reimbursement for the damaged items because they were part of your home based business.

Home Based Business Riders Are Often Available

Usually, small businesses where you are selling another company’s product do not need a specific commercial policy. This includes personal care products (vitamins, cosmetics, and wellness), houseware items, children’s products, etc. In this case, a home based business rider added onto your existing homeowners policy would be your best bet. This covers any inventory inside your home, including things in the garage and your vehicle.

Commercial Insurance Policies May Be Needed in Certain Cases

In certain cases, talking to commercial insurance agents might be necessary. You will want to contact a Huntington agent directly if you are in an industry that requires:

  • Professional liability insurance (such as contractors, doctors, and lawyers)
  • Product insurance (such as manufacturers of consumer products)

Of course, every situation requires in-depth review the ensure you have adequate coverage—both personally and professionally. Speaking with your local agent is always the best way to determine the correct path to take.

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