Minimal Commercial Insurance Requirements for Texas Business Owners

Posted on September 30, 2024September 30, 2024 by admin

While Texas legislation doesn’t mandate Round Rock, TX, business owners to carry business insurance or employers to have workers’ compensation coverage, several forms of commercial insurance are crucial for operating a profitable enterprise. Moreover, additional policies may offer significant savings and security in the face of unexpected incidents.

Key Business Insurances Needed in Texas

If your business operations involve a vehicle, you’ll need an appropriate commercial auto insurance policy that covers accidents during deliveries, transportation of goods to market, or service provision at a client’s location.

Product sellers on platforms like Amazon should consider liability coverage. It offers financial protection against claims relating to injury or property damage caused by your goods. Moreover, business owners availing commercial mortgage loans may need to fulfill specific insurer requirements.

Professional Commercial Insurance Services from DGIA LLC

The potential loss of a business due to a natural disaster or lawsuit, tipping the scales of investments and hard work toward a costly deficit, is a nightmare for every entrepreneur. At DGIA LLC, we offer insurance coverage to Round Rock, TX business owners, ensuring you have the protection needed to bounce back after unforeseen circumstances. Don’t hesitate to contact us to explore our commercial insurance policy options or get a quote on a policy bundle.

Building Your Business’ Commercial Insurance Policy

Posted on November 20, 2023November 21, 2023 by admin

When you call DGIA LLC about a commercial insurance policy for your Round Rock, TX business, we will ask in detail about your business. We aren’t nosy; we want to provide you with the ideal policy that covers only what you need. That proves important because commercial insurance continues to grow in diversity as new industries develop.

Massive Diversity in Commercial Insurance

The vast diversity in commercial insurance spans more than 25 common coverage types. Which ones each business needs differ. That’s why buying a commercial insurance policy requires a consultation with an insurance agent – so the business receives exactly the needed coverage. This process saves money by avoiding unneeded options.

For example, doctors need malpractice insurance, but dance studio owners need glass insurance. A pizza place that delivers needs commercial auto insurance, but a retail store with an older heating system needs boiler insurance. Each business needs commercial liability because people visit its place of business.

Which Coverages Do You Need?

Your business needs custom coverage to protect it from financial risk and loss. Many small and mid-sized businesses qualify for a business owners’ policy (BOP) that includes the four most common coverage types in one package for a lower premium than purchasing them separately. We can help corporations with their business needs, too, just not with a BOP.

Contact Us Today

Don’t let your business go without the coverage it needs. Contact DGIA LLC, serving Round Rock, TX for the policy package that best suits your business. Our comprehensive interview reveals the insurance your business needs, and we can efficiently build a package that ideally suits your business needs.

Commercial insurance that most companies can benefit from

Posted on January 16, 2023January 18, 2023 by admin

Businesses all over the country face an unsure future and risks every day of the year. The best you can do to help your business to survive is to make sure you know your risks and have the right commercial insurance to protect yourself as much as possible. Serving the greater Round Rock, TX community, DGIA LLC is an independent insurance agency that understands commercial insurance and will make sure you have what your business needs.

Commercial Property Insurance

Commercial property insurance can make all the difference between your business recovering from a covered peril and having to close its door. Even if you don’t own the building, there are major benefits that commercial property insurance provides. It covers the things that you use to do business. Depending on the type of business, there can be machines, display cases, appliances, inventory, raw materials, tools, and much more

Commercial Liability Insurance

Getting sued is one of the biggest dangers that most businesses face. One in three businesses gets sued in any given year, so chances are pretty good that you will be involved in legal action at some point. Between a judgment against you and legal fees, it could be enough to kill your business if you don’t have commercial liability insurance.

Workers Compensation

While the laws in Texas do not require workers’ compensation insurance, it is a benefit that your employee will appreciate, and it can save you as well.

Business Interruption Insurance

When your business is hit by a covered peril, your flow of income may come to a stop. Unfortunately, your bills will not stop. If you have business interruption insurance, it will provide the money you need to cover your bills and even salaries.