Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Customer Service Options
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Business & Commercial Insurance Information
Business & Commercial Insurance for the Lubbock & Big Spring, TX Areas
To ensure your business is offering enough benefits for its employees, it's important to consult the coverage professionals at Pirkle Weir. Our insurance agents make the process of finding the best commercial insurance and business insurance policies for your interest easier and quicker. Pirkle Weir offers commercial auto, general liability, workers compensation, and more insurance policies for your business needs in the Big Spring and Lubbock, TX areas.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. Under our business insurance policies, general liability coverage 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.
If you have a personal umbrella liability policy, there's generally an exclusion for business insurance. Make sure you have sufficient liability coverage. 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.
Broad 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
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, in almost every state, businesses are required to buy workers compensation insurance. It 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.
It also 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 is not health insurance, it must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
Whether you need to buy a commercial insurance policy will depend on the kind of driving you do. A good 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 business insurance differs from a personal auto policy in many technical aspects. Ask your insurance agent to explain all the differences and options.
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. That covers liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many businesspeople 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. Our insurance agents will discuss all the important details of our commercial insurance policies with you.
Our insurance agents are always ready to help you find an insurance policy and coverage plan that will protect you and your business. If you have questions about your policy or maybe you're looking to have a commercial insurance policy cover your business. We offer all of our services to Lubbock, TX and nearby areas. Give Pirkle Weir a call to discuss our coverage plans today!
Learn More About the Types of Insurance That We Offer:
Automobile • Bonds • Business & Commercial • Farm • Flood • Homeowners • Life • Motorcycle • Recreational Vehicle • Renters • Boat