Texas Insurance All Your Needs in One Place

When it comes to health insurance, yes. Texas is the least insured state in the county. A recent study found that in 2021, as many as 18% of all adults and children in this state were not covered by health insurance. 

Having adequate health insurance makes it more likely that you will receive preventive care and avoid costly medical bills and potential bankruptcies. To learn more about the benefits of having health insurance and for help finding a suitable plan, you can talk to a local independent insurance agent. 

Homeowners insurance in Texas is designed to shield you from large financial losses related to many of the hazards you are likely to face as a property owner in the Lone Star State. Your policy can cover damage to the structure of your home and other buildings on your property, loss or damage to your personal property, extra expenses if you must seek alternate accommodations due to damage caused by a covered event, and expenses related to liability lawsuits.

To learn more about the many benefits of having a home insurance policy in TX and for help finding a suitable, yet affordable, policy, contact an independent insurance agent near you.   

Car insurance in Texas is designed primarily to cover your costs if you are in a car accident. In this state, all vehicles must be covered by insurance before they can be legally driven on the roads. In Texas, all car insurance policies must include liability coverage. This is designed to cover other people's medical treatments and property damage if you are responsible for a collision. Your policy must include, at a minimum:

• $30,000 in bodily injury liability coverage per person
• $60,000 in bodily injury liability per accident
• $25,000 in property damage liability coverage per accident

In addition to the mandatory coverage listed above, you can purchase optional coverage like comprehensive and collision insurance, medical payments, uninsured motorist insurance, and towing & roadside assistance. You can learn more about car insurance and review a variety of customized quotes when you contact an independent insurance agent near you. 

Business insurance in Texas is designed to help businesses of all sizes avoid financial losses related to a number of potential hazards they may face. Most small businesses can get the coverage they need through a business owners policy (BOP) while larger businesses and companies with high liability risks or complex coverage needs will need to build a customized business insurance package policy. 

Business insurance in TX can:

• Cover damage to your business building (if owned)
• Cover loss and damage to your business-owned property
• Protect against loss of revenue by providing business income coverage
• Shield your company from large financial losses with liability insurance coverage

For assistance with getting business insurance coverage that is suitable for your particular Texas business, you can turn to a local independent insurance agent. Your agent can help you assess your company's exposures and can recommend the right policies to cover against each of them. 

Workers' compensation insurance in Texas is designed to protect business and their employees. It can cover medical costs, disability pay, vocational rehabilitation, and death benefits if a worker is injured on the job or is diagnosed with an occupational illness.

Unlike most states, Texas does not require employers to carry workers' compensation insurance unless they contract with the government. However, because this coverage is so beneficial, many employers opt to purchase it. To learn more about workers' compensation insurance in TX and start comparing customized quotes, contact an independent insurance agent near you.

When purchasing business insurance for a restaurant in Texas, you will want to make sure that your policy includes certain kinds of coverage. A typical restaurant insurance policy in TX will include:

• Liability insurance: This can provide coverage if a customer is hospitalized after experiencing food poisoning at your restaurant or is injured on your business premises.  
• Property insurance: This can pay to repair damage to the structure of your restaurant if the building is business-owned and cover the cost to repair or replace business property if it is damaged by a covered event like a fire or electrical storm.
• Business interruption insurance: This can provide your restaurant with a continuation of income if it must close down while repairing damage caused by a covered event.

Some hotels may need additional coverage including, but not limited to:

• Spoiled food insurance: This covers losses if a power outage or other hazard results in the loss of food kept in your freezers or refrigerators.
• Liquor liability insurance: This can provide coverage if your restaurant serves alcoholic beverages. 
• Garagekeepers insurance: This provides protection if your restaurant offers valet parking services.
• Workers' compensation insurance: If you want coverage against potential employee injuries.

Talk to an experienced independent insurance agent near you for help building a suitable, yet affordable, restaurant insurance policy.

If you have a business-owned vehicle or vehicles in Texas, you must cover them with a commercial vehicle insurance policy. All commercial vehicle insurance policies in TX include liability insurance. This is designed to cover property damage and injuries you or your drivers may cause to other people while operating a company-owned car, truck, or van.

In addition to the liability coverage that is required by law, you may also opt to purchase coverage such as:

• Collision insurance: This covers collision-related damage to your vehicle, regardless of fault.
• Comprehensive insurance: This covers non-collision damage to your vehicle, regardless of fault.
• Personal injury protection insurance: This covers medical bills for your driver if injured in a collision, regardless of fault. This is particularly important if your business does not carry workers' compensation insurance.
• Uninsured motorist insurance: This covers medical treatments for your drivers if they are injured in a collision caused by an uninsured driver. This is particularly important if your business does not carry workers' comp.  
• Towing & roadside assistance insurance: This covers the cost of service calls if your vehicle breaks down.   

A local independent insurance agent can help you find an affordable commercial vehicle insurance policy that offers the coverage your business needs.

When purchasing commercial insurance coverage for a hotel in Texas, you will want to make sure that your policy includes certain kinds of coverage. A typical hotel insurance policy in TX will include:

• Liability insurance: This can provide coverage if a guest is injured on your premises or if your hotel is accused of negligence, copyright infringement, or any other potential liability lawsuits.
• Property insurance: This can pay to repair damage to the structure of your hotel and to repair or replace lost or damaged property on your hotel's premises.
• Business interruption insurance: This can provide your hotel with a continuation of income if your hotel must close down due to damage caused by a covered event like a hurricane or a fire.
• Cyber liability insurance: This covers your hotel's liabilities if it is exposed to a data breach.

Some hotels may need additional coverage including, but not limited to:

• Spoiled food insurance: If your hotel includes a restaurant.
• Liquor liability insurance: If your hotel includes a bar.
• Garagekeepers insurance: If your hotel provides valet parking services.
• Commercial vehicle insurance: If your hotel provides shuttle services.
• Workers' compensation insurance: If you want coverage against employee injuries.

Talk to an experienced independent insurance agent near you for help building a hotel insurance policy that is suitable for your Texas hotel business.

Umbrella insurance in Texas is a secondary policy that is designed to increase the levels of liability coverage in the policies you already have. 

• Personal umbrella insurance is designed to increase the liability coverage you have from policies like homeowners insurance, renters insurance, auto insurance, RV insurance, and boat insurance.
• Commercial umbrella insurance protects businesses by significantly raising the levels of liability insurance provided by their commercial general liability insurance.

Because umbrella insurance doesn't kick in until your primary coverage has been exhausted, these policies, which are typically sold in million-dollar increments, are highly affordable. Learn more by talking to an independent insurance agent in Texas.

Renters insurance in TX is similar to homeowners insurance except it does not cover damage to the structure of the building you live in. You can expect your policy to cover:

• Repair or replacement costs for your personal property if it is lost or damaged due to a covered event.
• Your extra living expenses if you are displaced from your home.
• The expenses related to liability lawsuits if you are unintentionally responsible for someone else's injuries or property damage.

Renters insurance is very affordable. Find out how little a policy will cost you by talking to a local independent insurance agent.  

Life insurance in Texas is designed to provide your loved ones with a financial safety net if you should pass away while the policy is in effect. A small policy may be sufficient to cover your burial expenses and estate settlement while a large policy can provide for your family for years to come. 

The two main types of life insurance available are:

• Term life insurance: These policies provide coverage only for a limited amount of time, or a term.
• Whole life insurance: Also referred to as permanent life insurance, these policies will remain in effect for as long as you pay your premium payments.

The advantage of having term life insurance is that you can purchase a very high amount of coverage for a relatively low price. The advantage of whole life insurance is that you can lock in low rates if you buy it while you're young and you can use the policy as an investment vehicle that you can cash in at any time. Learn more about your options by talking to a local independent insurance agent.

Independent agents in Texas work for you, not for a particular insurance company. These agents can offer guidance and advice and can help you find the best and most affordable policies to meet all of your coverage needs. Find an independent insurance agent near you to arrange an obligation-free consultation where you can get more information and start comparing customized insurance quotes from multiple providers.