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Business Insurance in Austin, Killeen, Georgetown, TX & Surrounding Areas
Protecting your business from unnecessary expenses resulting from an accident or loss can be a challenge. At Evans, Ewan & Brady, we provide detailed advice to business owners throughout the Georgetown, Round Rock, Killeen, and Pflugerville areas.
Since 1928, our agency has provided detailed advice on small-business insurance to owners active in a wide range of industries, including legal, manufacturing, food service, health and medical, construction, contracting, transportation, retail, telecommunications, energy and utilities, service providers, and IT.
Commercial Auto Insurance in Central Texas
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel ― liability, collision and comprehensive, medical payments (known as personal injury protection in some states), and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business or commercial auto insurance policy will depend on the kind of driving you do. A good business or commercial insurance agent will ask you many details about how you use vehicles in your business, who will be driving them, and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a commercial insurance policy for your vehicle differs from a personal auto policy in many technical respects.
Call 512-869-1511 to get a quick commercial car insurance quote and for any questions you might have about auto insurance policies in Killeen, TX, or surrounding areas.
Commercial Property Insurance Coverage in Austin, TX & Surrounding Areas
Much like your home, the physical property used to run your business should be covered against damage caused by fire, storm damage, and other unforeseen events. A commercial property policy can provide protection for the physical structure of your business building, stock of products sold by your business, or equipment that is key to your operations. Even if you lease your business space from another party, adding commercial property coverage is important to protect equipment and products not covered under your landlord’s policy.
Don’t leave your business property unprotected! Contact us for a business insurance quote in Austin, TX, or surrounding areas today.
General Liability Insurance in Georgetown, TX & Surrounding Areas
Unfortunately, for every business owner, the chances of getting sued have dramatically increased in the last decade. General liability insurance in the Georgetown area can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford’s liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.
Range of General Liability Protection:
- Bodily injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property damage coverage for the physical damage to property of others or the loss of use of that property
- Products-completed operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided
- Products liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning, or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
General liability insurance for businesses can help protect you financially from some common issues. Call 512-869-1511 today for your free quote for business liability insurance in Georgetown.
Workers’ Compensation Insurance in Central Texas
Workers’ compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers’ compensation insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of workers’ compensation insurance. Workers’ compensation insurance is not health insurance; it’s designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry workers’ compensation coverage. Even in nonmandatory states, it can be a very good idea, particularly if you have many employees or they are engaged in hazardous activities.
Do I need workers’ compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, businesses in almost every state are required to buy workers’ compensation insurance. Workers’ compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers’ compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work, and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services, and how the system is administered. For example, in most states, there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers’ compensation insurance must be bought as a separate policy. Although in-home business and business owners policies are sold as package policies, they don’t include coverage for workers’ injuries.
Do you need reliable workers’ compensation insurance in Austin, Georgetown, and Killeen, TX, or the surrounding areas? Call Evans, Ewan & Brady Insurance Agency today at 512-869-1511!
Contact Evans, Ewan & Brady for Business Insurance Coverage
Our knowledge of the insurance industry and the protection challenges often faced by business owners allows us to offer the general liability advice you need to choose the most beneficial business owner policies for your situation. Whether you need commercial auto insurance, workers’ compensation insurance, or general liability coverage in Central Texas, we are the agency for you!
To begin comparing available rates and policies, call 512-869-1511 or request a quote online today. To have a member of our staff call you, contact our Georgetown business insurance agency online.
Business & Commercial Insurance Quote Forms
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