Business Insurance Texas

Business Owner – Property – General Liability – Business Auto – Workers Comp – Inland Marine

Texas Business Insurance

Business Owner – Commercial Property – General Liability – Business Auto – Workers Comp – Inland Marine

Business Owner Policy

What does a business owners policy include?
This is a type of coverage designed to protect businesses against the liability and property risks they face with a single policy. A business owners policy will cover your business property, its contents (e.g. equipment, inventory), the cost of business interruption due to a covered cause, and your legal liability.

How much coverage should I buy?
Before you can purchase a business owners policy, you need to know the value of what you’re trying to protect. Take a business inventory, totaling the value of your property and its contents, and total it up to determine how much coverage you should buy.

Why choose a business owners policy?
With a single policy, you can defend against the majority of the risks your small or mid-sized business faces. Eliminate gaps and the hassle of paying multiple premiums with this type of coverage.

Commercial Property

Why do I need commercial property insurance?

When a business owners policy doesn’t quite fit your specific business, you can turn to a more flexible coverage option to best protect your business property. That’s where your commercial property insurance steps in. Whether you work from home, lease your office, or own your own building, this coverage can help protect your property and your hard work.

What will my commercial property insurance cover?

Your policy will contain the coverage your unique business needs. We can tailor your policy to include the following coverage options, as needed:

  • Your building itself
  • Furniture
  • Outdoor signage
  • Landscaping
  • Inventory
  • Equipment

Business Auto

What is business auto insurance?

In the same way you need to protect your personal vehicle on the road, you need to cover the vehicles you use for business purposes. A business auto insurance policy allows you to do that.

What kinds of industries can business auto cover?

Business auto insurance is a useful risk management tool in every industry! Some examples of industries that benefit from business auto are:

  • Retail
  • Pest Control
  • Carpet Cleaning
  • Construction
  • Catering
  • Sales/Marketing

What types of vehicles can business auto cover?

Almost every type of vehicle can be protected under your business auto insurance policy, including but not limited to:

  • Tractor Trailers
  • Passenger Vehicles
  • Pickups
  • Flatbeds
  • Refrigerator Trucks
  • Utility Trucks
  • Box Trucks

What kind of coverage will by business auto insurance contain?

The coverage your business auto policy offers you and your vehicle is very similar to your personal policy. You’ll get protection for:

  • Collision
  • Liability
  • Permanently Installed Equipment
  • Medical Expenses
  • Underinsured and Uninsured Motorists

Workers Compensation

What is workers’ compensation?

As the name implies, workers’ compensation is a type of coverage that compensates your workers after they becoming injured or ill in the course of their work. That means that if your equipment malfunctions, another member of your team doesn’t follow proper safety protocols, a chemical leaks, or your staff faces other issue, they’re covered.

Workers’ compensation covers medical expenses and rehabilitation costs. It also reimburses the injured or ill party for wages lost due to the resulting inability to work until health is resorted.

Why do I need workers’ compensation?

There are a few reasons you need to consider workers’ compensation for your business. First, it’s important for protecting your team. With workers’ comp, your employees can rest easy knowing that if they’re injured or become ill on the job, your business will be able to cover medical expenses and lost wages until health is restored.

Workers’ compensation also benefits your bottom line. With this type of coverage, your employees never have to sue you to cover their expenses after an injury or illness. Your policy could be the thing that stands between you and lawsuit after a workplace accident.

Inland Marine

What is inland marine insurance?

Originally, inland marine insurance started to cover goods that were being transported over water. Today, inland marine can cover the property that you’ve got in transit on land.  If you transport property or you have property that changes locations regularly (e.g. equipment that moves from jobsite to jobsite), you should consider this type of coverage.

What will inland marine insurance cover?

Inland marine insurance can cover a variety of property types, including:

  • Property in transit (this can include equipment, art, cameras, musical instruments, wind turbines, solar panels, and more!)
  • Mobile medical equipment
  • Communication equipment like radio towers
  • Contractors equipment

Contact Us

When choosing an insurance agency, you want a company you can trust. We are an independent insurance agency. We do not work for an insurance company; we work for you! We work on your side when you have a loss and follow through to see that you get fair, prompt payment.

As an independent, full-service insurance agency, our duty is to our clients, not the insurance companies. As your insurance agents, it is our responsibility to provide YOU the best service and the best coverage, at the best possible price.

Since 1987 the goal of VGW Insurance has been to provide the best in customer service, pricing, claims handling and professional advice to all of our clients, all of the time. After many unsatisfying customer service experiences of his own, Glen VerHagen a Certified Insurance Counselor, decided to make a stand. ” I can’t control everyone, but I can be certain that the type of poor customer service people have been forced to become accustomed to will not happen here at VGW Insurance.”

Since then, that has been our foremost priority in dealing with our clients, and in today’s times it clearly sets us apart. We won’t settle for anything except superior customer service, professional consultation and a caring atmosphere, and neither should you.

For well over twenty years, we have proudly served the residents of the Great State of Texas for all of their insurance needs. We have grown into one of the top independent agencies in the nation. As prior winners of The Hartford Insurance Company’s National Top Personal Lines Agency Award, Travelers Insurance Company’s Southwest Regional Agency of the Year Award and America First Insurance Company’s Top Producing Agency Award, we have come a long way.

We not only offer many choices of companies but we also have many different policy types available including multiple coverage options for commercial property, garage insurance, contractor insurance, dry cleaners insurance coverage, personal home and auto, business auto insurance, workers compensation insurance coverage and much more. We will be happy to discuss the differences in the coverage and how they will impact you.

Ready to sign up, or have questions? Call Us at 972-771-7373

We’ll provide you with a free, no obligation quote.