Month: April 2019

Essential Types of Commercial Insurance all Businesses Need in Huntington, TX

Posted on by AgentInsure

Owning a business is a huge responsibility. If you own a business in the Lone Star state, specifically Huntington, TX, having the right protection is a must. However, with all the small business insurance options out there, it can be confusing trying to figure out what you really need. Our goal at Integra Insurance Services is to make this as easy as possible by providing the information needed to make an educated decision and purchase.

Minimum Requirements for Business Insurance in the State of Texas

It is not mandatory to carry commercial liability insurance for a business that is operating in Texas. This is a state that is considered business-friendly and that has been a leader in regard to lawsuit reform to help and discourage the filing of frivolous claims. However, lawsuits still pop up in this state. If you own your property or another valuable asset, it is a good idea to invest in general liability coverage for your business, as this will help to limit your exposure.

Types of Business Insurance to Consider

There are several types of business insurance to purchase in Texas. While commercial general liability coverage is one of the most important, some of the other coverage options you can choose from include:

  • Commercial property insurance
  • Employee disability insurance
  • Product liability
  • Business Owner’s Policy
  • Professional Liability
  • Employment Practices Liability Insurance
  • Errors & Omissions

If you use your vehicle for business purposes, you don’t have to have a commercial vehicle policy, but it is a good idea. However, you do have to have the minimum automobile policy to cover yourself if you are involved in an accident.

If you are ready to purchase business insurance in Huntington, TX, be sure to contact our team at Integra Insurance Services.  

What is Specialty Property Insurance?

Posted on by AgentInsure

Your property means a great deal to you and having a policy that reflects that is important. For properties that are special, unique, or out of the ordinary, specialty property insurance is available. There are tons of different coverage options out there and taking the time to find the right coverage for you and for your property is essential. If you live in the Huntington, TX area, the agents with Integra Insurance Services can help you find the perfect specialty property insurance policy.

Specialty property insurance is a great way to insure properties that are special, unique, and different than other properties. This could mean a property that houses special equipment, a property that has a special piece of art on it, a property that is unique from other properties either in cultural significance or other significance that is not easily quantified. This is a great way to insure your property if it does not fall into any other property insurance categories so that you can insure it properly and do not have to try and make the property fit into another category that may not be perfect for it.

If you have a specialty property, it is always best to take the time to find a specialty property insurance that is going to work for your property rather than trying to make it fit into another category. This type of policy is even good for things like special attractions or other out of the ordinary properties. If you live in the Huntington, TX area, the agents with Integra Insurance Services can help you find the policy that is going to work best for you and for your specialty property. Your property is important and having the right insurance can make a world of difference.