Commercial Insurance That Fits Your Business
Commercial Coverage To Fit Your Needs In Rowlett, Texas and Surrounding Areas!
Looking for commercial insurance coverage? Look no further than Ryan Insurance. We offer a variety of policies to fit your needs, including general liability, property, business auto and workers' compensation. We understand the importance of protecting your business, and we are here to help you do just that. We have been serving Texas with our insurance services since 1979 and we are ready to put our expertise to work for you! It's always important for business owners to protect their assets and their team, so finding the proper commercial insurance to cover you is imperative. Continue reading to learn more about some of our types of coverage, and contact us today to get a free quote.
Commercial General Liability
A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for bodily injury, property damage or personal and advertising injury caused by your services, business operations or your employees. It covers non-professional negligent acts.
-While visiting your business, a customer slips and falls.
-An employee accidentally causes substantial damage to a customer’s property.
If your business owns any type of property, it's important to have property coverage in case something happens to it. Business property insurance is coverage that can protect your company’s physical assets from unexpected events, including fires, windstorms, theft and vandalism. Physical assets covered by commercial property coverage could include the business property you own or rent, office equipment, furniture, fixtures, inventory and other items you count on to support your daily operations.
If you have employees, it's important to have workers' compensation coverage. Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage. Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working. Workers receive benefits regardless of who was at fault in the accident.
Commercial Auto Insurance
Similarly, if your business owns vehicles, you will need to make sure they are covered. This includes cars, vans, trucks, and even buses. Whether you have a single work vehicle or a whole fleet, Ryan Insurance can help make sure they are covered. Commercial auto insurance provides coverage if you are involved in an accident while driving for work. It can also help cover the cost of repairs or replacement if your vehicle is damaged or stolen.