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

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.