Owning a small business and becoming an entrepreneur is a dream that many people share. For those that are looking to own their own business, there are many very important factors that need to be taken into consideration. One important decision that needs to be made in determining whether or not you should get a commercial insurance policy. There are several reasons why Huntington, TX business owners should get a commercial insurance policy.

Limits Liability

One of the main reasons why you should have a commercial insurance policy is that it will limit your liability. Business owners that produce a product or provide a service are taking on a lot of liability every time they serve a customer. When you have a commercial insurance policy in place, it will provide you with liability insurance protection. This can be very valuable protection if you are ever deemed liable for an accident.

Protects Employees

Another reason why you should have a commercial insurance policy is that it will help to protect your employees. Commercial insurance policy typically includes a workers compensation component. This type of insurance will provide protection and coverage in the event an employee is injured while on the job.

Property Coverage

If you own your place of business you will also want to have commercial insurance to provide coverage for your property.  This will provide you with coverage for the building and all of the content underneath it, including inventory and valuable equipment.

Since having a commercial insurance policy is very important, Huntington, TX business owners should speak with the Integra Insurance Services company to determine their insurance needs.  The Integra Insurance Services company will be able to help you better figure out what type of insurance you need to properly protect your business.

The last thing that anyone wants to receive is a notice in their mail from their auto insurance company stating that they are dropping their insurance company. Here at Integra Insurance Services, serving the greater Huntington, TX area, we want to help you understand why an insurer may drop you so you can work to avoid these situations. Here are three of the top reasons why an auto insurance company may drop a driver.

You Misrepresented Your Past Driving Record

One of the reasons an auto insurer can cover you is because you misrepresented your past driving record. You can sign up for same day auto insurance with a variety of carriers. However, it can take them a few days or weeks to check your driving record and make sure what you stated is the truth. If they find out that you have more accidents or tickets than you stated, they reserve the right to increase your policy or drop you.

You Didn’t Pay Your Bill

The most common reason why an auto insurance company may drop your auto insurance coverage is that you didn’t pay your bill. Always pay your car insurance bill to maintain your coverage.

You’ve Been Driving Unsafely

The last reason your auto insurance company may drop your coverage is that you have been driving unsafely. If you have suddenly gotten in a bunch of accidents, racked up traffic tickets or obtained a DUI, your insurance company may drop you.

If an auto insurance company is preparing to drop you, you will want to obtain auto insurance through another company as quickly as possible. This helps to ensure you do not have any lapses in coverage. If you are in need of auto insurance, contact Integra Insurance Services, serving the greater Huntington, TX area, for a quote today.