We offer customized coverage that matches your business’s level of exposure to certain risks. A customized policy includes the coverages you need, with limits that match your specific requirements. Customized coverage is flexible, so if your situation changes – or you simply change your mind - you can update your policy any time. Be wary of “one-size fits all” policies. They can have gaps in coverage that leave you exposed. For example: You might assume general liability covers any type of business liability; it doesn’t. We focus on customizing your policy upfront to avoid these types of problems and so you can feel confident you’re getting the right insurance the first time. Please review the following types of business insurance we provide.
Whether you’re making a long haul across the country or just taking your car to the office, you need coverage to help protect against the risks both your employees and vehicles face on the road.
Commercial auto insurance covers damage and expenses including injuries that you or your employees may cause to other people and their property while driving. From a single car or truck, to an entire fleet, we have a business auto insurance policy that meets your needs. You need a business auto policy if your business:
- Owns, rents or leases vehicles
- Has employees who drive their own vehicles to conduct your business
- Has employees who drive the vehicles you own, rent or lease
Commercial Liability Insurance is one of the most important coverages you need...
Protect your business against legal issues, including judgments, attorney fees, court costs and settlements.
Although being your own boss is great, trying to find your way in a complicated world of small business insurance is not.
Business owners insurance from Germania Insurance simplifies the process. Our business owners insurance policy bundles coverages in one package. The kind of commercial insurance coverage you need depends on the kind of business you have. We can help customize an insurance policy that meets your business’ unique needs, your risks and your budget.
Example of What a Business Owners Policy may include:
- General Liability, which covers your company’s legal responsibility for the harm to others such as slips and falls or damage to others property
- Property insurance, for buildings and contents owned by the company
- Business interruption, which covers the loss of income resulting from a fire or other catastrophic event that disrupts the daily operation of business. It can also include extra expense for operating from a temporary location
Employees are one of a business’ most important assets and making sure they are safe at work is critical.
Workers compensation coverage can help protect both you and your employees after a work-related injury or illness. For the injured employee, workers compensation provides medical care, lost wages and more. For the employer, workers compensation provides a sole remedy, avoiding expensive civil litigation, plus peace of mind knowing your employees will get the help they need to recover and return to work.
Flooding is the most common natural disaster. Just a few inches of water can cause tens of thousands of dollars in damages... which property insurance might not cover.
Property insurance usually doesn’t cover damage to your business caused by floods. Flood insurance may be mandatory in high-risk areas, but even if you don’t live in a designated floodplain, your property is at risk for flood damage.
What Flood Insurance Covers
A flood insurance policy compensates homeowners, renters, and business owners for all covered losses, and, unlike a federal disaster loan, money from a flood claim does not have to be repaid. As long as your community participates in the National Flood Insurance Program, you can buy flood insurance. It doesn’t matter if you live in a high- or low-risk area. You can also get flood insurance if your house has been flooded before, even if your mortgage doesn’t require it. If your property is located outside of the high-risk Special Flood Hazard Area, it could qualify for the lower-cost Preferred Risk Policy, which provides flood insurance at the best price.
Management & Professional Insurance
Losses and lawsuits can come from any direction. Germania help protects businesses of all sizes with a full range of coverage.
Depending on the type of business you own, your exposures and risk will be a bit different than other companies. That’s why our Management and Professional Liability Insurance policies are customized for different types of organizations, such as non-profit, private and public companies, healthcare organizations, homeowners associations, managed care, financial institutions and more.
The following are a few of the policy types:
- Directors and officers liability
- Employment practices liability
- ERISA fidelity insurance
- Errors and omissions
- Fidelity and crime insurance
- Fiduciary liability bonds
- Kidnap and ransom insurance
- Non-profit directors and officers liability
It’s nearly impossible to keep your business operating if your building or properties – and the contents – are out of commission.
Whether you own one building or many, your building and its contents should be protected against theft, fire, vandalism and other damage. Commercial Property Insurance is designed to cover your building, outdoor signage, furniture, equipment, inventory, fences, landscaping and tools. Because one size does not fit all, our flexible property insurance policies are designed to meet your unique needs – covering buildings, personal property and time element exposures.
Data Breach Insurance for Businesses
Cyber attacks continue to rise, which means there’s a growing chance that your business will suffer a data breach or computer hack.
As technology becomes more complex, the threats become more sophisticated. If a data breach occurs, your finances, customers and your reputation are at risk. Data Breach Insurance helps to offset the devastating effects of cyber attacks.
A regular home insurance policy doesn’t cover your home-based businesses. Protect the assets that home insurance can’t.
You may need home-based business insurance if:
- Customers or clients come into your home
- Inventory and supplies are stored in your home or at other job-sites or other locations
- You have employees
- You maintain client records
- You lose income due to damage to your home
- Churches and Organizations Insurance
Your religious organization has a higher mission. Keep your church, mosque, synagogue, temple or group focused on the work that really matters.
We’ll focus on the right policy to protect your property. We insure small country churches that need only property and liability at affordable rates. We can also insure larger churches that have daycare facilities, mother’s-day-out programs and even private schools.
Coverage we can provide churches and organizations includes:
- Building and contents coverage including stained glass and signage
- General liability
- Pastoral professional liability
- Directors and officers liability
- Sexual misconduct liability
- Workers compensation
- Employment practices liability
- Hired and non-owned auto
- Church bus insurance/business auto
- Business interruption
- Special event coverage
- Church school
- Day care
- Fraternal organizations
Texas is big! It’s filled with diverse people, environments, weather, and homes. With so many different ways to live, your insurance needs to be flexible enough to cover the way you live. Kelley Insurance Agency, offers a variety of customizable property and liability insurance products, coverages, and endorsements. Our staff is here to help when you are considering our Business Owner's Policy coverages.