Business Insurance Serving Alvin, Brazoria, Friendswood, Galveston, Houston, League City, Pearland, Texas, and the surrounding areas
We understand how narrow the operating margins are for most businesses. Major unforeseen expenses, property damage or customer accidents can seriously jeopardize your livelihood. It’s our priority to draft a business insurance plan that limits risk and helps keep operating costs consistent. To meet this goal, Rick Tinker Insurance provides comprehensive, cost-effective Business Insurance coverage to the Texas Gulf Coast and surrounding areas.
What should Texas business insurance include?
Our insurance plans offer protection in three main areas that directly affect your bottom line.
Property coverage protects your structure and equipment assets; liability coverage reduces costs incurred from people claiming harm as a result of your business; and business interruption coverage ensures you’re able to cover business expenses during a temporary shutdown.
Do you have adequate business insurance coverage in each of the following areas?
- Property coverage
- Liability
- Business interruption
PROPERTY COVERAGE
In a business insurance policy, property coverage is typically categorized into two main sections:
- Fixed Property (such as buildings and fixtures)
- Contents (including equipment, inventory)
Alternatively, these can be bundled together under a single combined limit. Coverage options for your property include “All Risk” policies or those that cover “Specified Peril.”
LIABILITY COVERAGE
Key questions:
- Do you operate off-site?
- Do you serve alcoholic beverages at functions?
- Do you sell products that could cause harm?
- Do you or your employees operate personal vehicles at anytime in the course of doing business?
BUSINESS INTERRUPTION
What are the implications for your business if it faces a shutdown? Who will be responsible for settling the expenses? Will you have the capability to bounce back once normal operations resume?
Contact us for a thorough evaluation of your existing property coverage and insurance policies. Let us collaborate to ensure that you have the protection you need in place!
