Commercial Property Insurance: A Quick Guide

Post by HIC | 02 Jun 2017 | Tags : commercial property insurance houston, property insurance

If you have commercial property insurance, you are covered against damages that are caused by a storm, fire or another disaster. In many a cases, theft is also covered.

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Which Insurance Policies Does Your Business Need?

If you are a business owner, you are exposing yourself to a number of risks. How can you get protection against all these threats? There are so many business insurance policies available in the market, so which ones of these should you buy? We’ll walk you through some of the most essential insurance types that your business should have.

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Business Insurance Questions Googled the Most

Post by HIC | 10 Nov 2016 | Tags : business insurance, commercial insurance broker houston

According to sources, there are around 28 million small business owners in the United States. From small retail shops to well established businesses. No matter what type of business it is and how well established it is, all types of businesses can suffer losses which is why they require protection. Perhaps, this is the main reason as to why so many business owners are found asking questions about business insurance.

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Reasons to Consider EPLI Coverage

Post by HIC | 17 Aug 2016 | Tags : employment practices liability insurance, epli coverage

Employment Practices Liability Insurance, also known as EPLI, insures businesses when workers sue the employer if they feel that their legal rights have been violated. Big corporations always insure themselves against such law suits by purchasing coverage. However, small and medium sized businesses often neglect it, which can result in a huge financial loss.

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Types of Casualty Insurance Your Business Can't Go Without

Businesses are becoming more dynamic and spread-out, having employees traveling across the world to further business goals. Risk factors have also increased and have become rather unpredictable. Previously, when businesses largely operated in their place of origin, they were more aware of the external risk factors both sudden and long-spanning that could be damaging. Businesses could then prepare to protect themselves in advance. The dynamics have changed, and so have the risks. This change in dynamic has raised the need for increased levels of casualty insurance in order to be covered for losses by unforeseen circumstances such as direct accidents, fires, thefts and liabilities.

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Why You Might Need an Errors and Omissions Insurance Policy

Post by HIC | 10 Jun 2016 | Tags : Errors & omissions insurance

Making errors is just part of being human, either at workplace or in daily life activities. But there are certain clients who are pretty serious about every inch of their work. Even a slight mistake can make them claim for inadequate performance. These claims may seem small to the providing party, but can severely affect the financial position of a business and have the potential make them insolvent. In order to avoid such terrible consequences, companies get protection through an insurance policy, namely errors and omissions insurance policy, and protect themselves from the consequences of claims. Let’s have a look at why companies need an errors and omissions policy.

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4 Insurance Policies that Protect Your Business

Post by HIC | 21 May 2016 | Tags :

A business is exposed to many risks that can negatively affect the its financial position. A catastrophic event or a lawsuit can drain the financial resources of a firm. So in order to protect your business from such types of risks, insurance companies offer to take care of those risks in return for periodic payments called premiums.

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Cyber Liability - 4 Reasons for Purchasing Insurance Coverage

Post by HIC | 14 May 2016 | Tags : cyber liability insurance

Data modern day is not recorded in physical files or kept inside a locker of a highly guarded facility; rather it is stored on computers and on clouds that can be successfully cracked by a person residing in another continent. If a company’s electronic network comes under attack, a business not only faces the risk of losing sensitive information (like customer’s credit card numbers) to skilled hackers but also the risk of losing its customers by losing their trust and its reputation as a consequence. All this is harmful for the company’s profitability. Cyber Liability Insurance is a stand-alone policy that is designed to protect businesses against such attacks and the cost and penalties incurred during the whole process.

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Why Flood Insurance is Important

Why Flood Insurance is Important Even if You Don’t Live in a Flood Prone Area

Post by HIC | 01 May 2016 | Tags : flood insurance houston, Flood insurance policy

According to the US disaster list, flood is one of the most dangerous and devastating natural disasters in the country, which is why, it is highly recommended for the property owners to have flood insurance policies. Many property owners find out too late, and run the risk of financial ruin once a flood has damaged the property.

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Commercial General Liability Policy

Business owners work extremely hard to operate, and need protection from unexpected accidents or liabilities, which could otherwise put them out of business. Commercial general liability insurance, or CGL, has been designed to keep business assets and resources protected and secured should a claim arise.

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