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As a Houston small business owner what can and must you do to protect your Texas insurance company?
If you are like most people in business, your company is, next to your family, your pride and joy. It is also the major source of financial security for you and your family.
In many ways, your business is your life. It's your kids' birthdays, their braces, and your family vacation. It's your house, your yard, your future. Someday, it's your retirement.
Potential disasters are always present.
Your company is also, unfortunately, your greatest liability. Your company faces no shortage of potential disasters such as fires, flooding, theft, equipment breakdown, loss of key financial records, lawsuit from disgruntled customers and possibly former employees and probably disasters you haven't even considered.
Reading this Special Report on Texas business insurance is the first, big step to getting your business back and operational.
Because I, as a 20 year insurance industry insider, am going to share with you my secrets of peace of mind and Houston business insurancee protection. These secrets are little-known outside of the Texas insurance industry, but they constitute information that no responsible business owner should be without.
I want to share this information with you because I know peace of mind is so important. I am willing to reveal to you the secrets about Texas commercial insurance. Secrets that ensure your company has all the protection it needs.
Why would I just give these secrets away?
Because it's just as good for my local houston insurance agency as it is for you!
What if a disaster strikes will you be covered?
This special report is about your Texas business owners insurance, the risks it faces and how a Texas business insurance program can be designed to cover most, or even all, of these risks.
First, you should start by imagining a disaster. One day, you get to work and like usual you are the first one there. You find the door already unlocked, which sends up a big red flag in your mind because you know you locked the door the previous night. You open the door and find desk drawers open, file cabinets overturned and the personal computers on each desktop gone.
You go into your office and find the drawers to your desk open, including the locked one that had keys for all your businesses most sensitive documents which have all been stolen.
By the time your employees arrive for work, you have realized you are living a worst case scenario. The office has been gutted by thieves, and there's no way your business can be operational any time soon.
What does your Texas business insurance policy cover?
What do you do, besides panic? Fortunately, this isn't reality. Not yet, anyway. It is a hypothetical situation. But imagine if it did occur. Would your texas business insurance program cover the revenues you would lose?
Would it help you pay your bills in the absence of your usual revenue stream? Would it reimburse you for the expenses you incur in getting your company back up to speed?
Your business insurance program also must provide protection for the smaller disasters. What if a computer virus is unleashed on your networks PCs and files containing vital customer lists are corrupted? Can the information be recovered, and will your insurance pay for the cost of doing so?
You need a business insurance Texas policy that will cover anything that can shut down your company, or cause it to operate at less than full capacity. Anything less than that is not adequate. So how do you get adequate business owners insurance coverage? How can you know all the risks you face that could harm your business?
Keep reading this special report and you will find out!
I've been working with company owners for a long time, and I've heard every horror story imaginable. If they were my clients, we were able to take care of their problems. Quickly and easily. Why? Because we were prepared. Is your business prepared for a disaster?
Learn about important ways you can be sure your business is properly protected!
Design a disaster recovery plan for your company.
Texas Business Insurance can't cover everything, and all coverage’s have limitations. So you need a plan that allows you to get the company back up and running as quickly as possible. If you don't feel you have the expertise to design this plan, there are plenty of professionals out there who can do it for you.
For this recovery plan to be effective, you need to do the following :
- Make duplicate records of both computerized and written documents.
- Identify your companies’ critical activities and the resources needed to support them.
- Plan for the worst case scenario. Do research before a disaster strikes on alternative facilities, equipment and supplies, as well as alternative contractors.
- Set up an emergency response plan and train your employees how to carry it out.
- Consider alternative power sources and communication systems, and supplies such as first-aid kits and flashlights.
- Compile lists of important phone numbers and addresses, these lists should be kept off-premises.
- Implement a communications strategy to prevent the loss of clients. The strategy should enable your clients to contact your company at its new, temporary location.
Have an insurance specialist conduct a risk analysis of your company and its operations.
No two companies are the same, even two that are in the same business. You have your own building, your own computer system, your own equipment, and your own staff.
You need an expert to assess your company and the specific risks it faces and put together a comprehensive insurance plan to protect you and your business.
Find a good local independent Texas insurance agent who you trust!
As a company owner, you want as many options as there are available for your Houston insurance program. As such, you don't want an agent who is an employee of an insurance company or an agent whose paycheck is tied to just one company.
You want someone who will work for you. You want someone who has access to a variety of insurance companies, and variety of programs. You want someone who can compare prices and coverage options. Someone who can get you the most comprehensive coverage, at the best possible price, with a top rated Texas insurance company.
There's only one type of insurance agent who can do all of this for you. A independent Texas insurance agent.
Don't trust the financial protection of your company with an insurance agent who is not a specialist. Do not trust the future of your company to someone who does not have a comprehensive understanding of the special problems small business people like yourself face every day.
Insurance is a huge industry. There's insurance for everything and nobody can specialize in all of it. In fact, a professional Houston auto insurance agent can specialize in only a few niches and really understand them. I've studied the Texas small business owners insurance market in our community for years and this is what I have learned.
I know :
- Which insures offer the most comprehensive coverage and the best rates for commercial coverage in Texas.
- Which insurance companies to turn to for a small businesses specialized coverage needs.
- And which insurers provide the best claim service.
So if you want to protect your company, and your future, from a crisis or catastrophe, call my office at 1-877-594-2489. My staff and I will be glad to help.