Business Owners Insurance

Houston, TX Business Owners Insurance Coverage & Broker Services

Small Business Ideas

A Business Owner's Policy (BOP) is recommended for most small businesses, as it is often the most affordable way to obtain broad coverage.

Combining both property and liability insurance into one package, a BOP will cover your business in the event of such things as property damage, suspended operations, or lawsuits resulting from bodily injury or property damage to others.

You’ll receive the coverage you need and the services you deserve at a price you can afford.

Coverage features for small commercial auto include:

Liability coverage

Provides protection against liability for bodily injury and property damage to others caused by the maintenance or use, including loading and unloading, of your company-owned autos.

Uninsured motorists coverage

Provides protection, as required by applicable state law, to the insured for damages sustained by the insured that result from an accident caused by an “uninsured” motorist.

Underinsured motorists coverage

Provides protection, as required by applicable state law, to the insured for damages sustained by the insured that result from an accident caused by a driver whose automobile liability insurance limits are inadequate.


Physical damage coverage

Protects your owned autos against accidental loss or damage, including:

  • Collision coverage
  • Comprehensive coverage
  • Specified causes of loss coverage – for example, theft, vandalism, hail, windstorm, flood, fire, explosion


Small business sign

moving company

The fact is, many business owners aren’t adequately protected against a catastrophic claim.

One accident with a business vehicle or a slip on company property can result in expensive litigation.

In many cases, your liability policy may not cover the entire loss. If this happens, your business could face a multi-million dollar expense.

With an Umbrella Liability Policy in place, there are fewer worries about depleting valuable business assets or future income to cover catastrophic liability claims.

The policy supplements your existing policy’s general liability, auto liability and employers liability limits.

Compensation Coverage is an available coverage is available to be added to a variety of policy types to round out your insurance protection.

Workers compensation insurance provides benefits to employees for work-related injuries.

Coverage includes medical care and a portion of lost wages when the employee is unable to work. This insurance also provides benefits for the employee's dependents if the employee dies during work-related duty.

Precision machine products

Small business technology

Some of the most common ways an information security breach can occur within a small business include:

  • Online hacking and theft of confidential information such as credit cards or social security numbers, medical or healthcare information, etc.
  • Accidental loss or sharing of personal information
  • The loss or theft of paper records from an office location

We can help you get the right coverage right away.
Call us at 713-568-2465 or use the form below.