Learn About Texas Commercial Insurance, Texas Business Insurance Quotes and The Ten Commercial Property Coverage Traps To Avoid!

Do you have enough Texas business insurance to protect you from a disaster?

• Is your equipment or items insured while in transit?
• The police call you at 2 AM., your windows are broken and a river is running through your living room.
  • Will your business insurance Houston Texas policy pay for water damage claims?
  • What about your lost income due to shutting down your business after a hurricane?
• When you buy new equipment, do you automatically have coverage before you report the additions to your Houston business insurance company?
• Does your policy guarantee the full replacement cost of your building if you suffer a big disaster?
  • What if you want to rebuild on another site that would be better for your business?
• What if your business is completely shut down due to a fire.
  • Does your Texas business insurance policy continue to pay your business expenses and the profits you'll lose?
  • How about if you don't suffer a complete shutdown, but a 60% loss of business?
  • What about if you can't get approval from the city to even start to rebuild for 8 months?
  • Suppose there has been a building code change?
• You borrow a friend's truck to visit a client. You slam into a bus stop and injure 4 people. You're sued for a total of $600,000.
  • Are you insured at all because it was a borrowed truck?
  • Suppose the court awards a $2.6M judgment?
• Does your commercial insurance Texas policy cover the costs to recreate destroyed valuable papers and electronic records?
  • Be sure you keep duplicate records elsewhere.
• You sell a product over the Internet to a firm in England. Six months later, you receive a summons of a lawsuit filed in England for damage your product did.
  • Does your commercial insurance cover you for lawsuits filed outside the US?
• An employee drives her own car to run to the store to pick up some office supplies. She loses control and rams into the corner department store causing $13,000 damage.
  • Does your commercial insurance policy pay the damages?
  • Your employee is injured to the tune of $6,000 medical bills and 6 weeks off work.
  • Who pays those bills and her lost salary?
• On a pleasure trip you rent a car with your business company credit card. One hour later, you lose control injuring 4 people.
  • Do you have protection for at least $2,000,000 to pay for medical expenses, lost wages and pain and suffering of those injured?
  • Remember that it was a rental car rented on pleasure using your business credit card. Suppose you were not in the US?

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