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Home > Business and Commerical Insurance in Texas | Free Instant Quotes

Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

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Business & Commercial Insurance Information

Quality Business Insurance for the Dallas/Fort Worth Metroplex


As a business owner, you have worked hard to build a quality operation where you provide reliable and trustworthy services to your clients, a pleasant workplace for your employees, and economic security for yourself (and others). But, you can’t ignore the fact that there are liabilities present in every aspect of your business that could cause a lot of problems at any time. The best way to enable your business to withstand this issue is by investing in customized commercial insurance options.

With the help of Abacus Insurance and Financial Service, you can create a customized personal insurance portfolio that is guaranteed to provide you with an optimized balance of coverage and budget. Call us at (972) 600-8460 or request a free quote online now.

Common Business Insurance Questions

How Does Business Insurance Work?

There are countless types of problems that could impact your business, not least:

  • Property damage from fires, severe weather, theft, vandalism or similar hazards.

  • Car wrecks involving company vehicles or drivers.

  • Employee injuries for which the business is at fault.

  • Lawsuits by clients, employees or others who claim that you caused them harm.

Any type of problem could be something that will cause a huge problem for your ability to continue to operate securely and successfully. However, if you have quality business insurance benefits, you’ll have a way to fund the necessary recovery costs without digging into your own pockets. All in all, your business insurance exists to help you remain secure even though you might encounter a problem that calls your ability to operate into question.

What Does Business Insurance Cover?

There are numerous business insurance policies on the market, and by combining the separate benefits that are right for you, you can craft a comprehensive insurance portfolio of benefits that will always effectively protect your company.

Common policies that most businesses need are:

  • Property insurance: If something damages physical property – such as your building or possessions - then this coverage can help you repair or replace them.

  • General liability insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.

  • Business interruption insurance: This helps you pay the bills if you must temporarily close after a damaging accident.

  • Commercial auto insurance: When the company owns vehicles, this coverage will provide the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.

  • Workers compensation insurance: If an employee gets hurt on the job, they are often eligible for workers compensation coverage. It will provide them supplementary income during their recovery.

  • Errors & omissions insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.

  • Surety bonds: If you are contractually obligated to certain clients, then bonds will guarantee them that you will repay them if you cannot meet your obligations.

More specific policies that might be relevant to your operations or industry include:

  • Inland Marine Insurance

  • Employment Practices Liability Insurance (EPLI)

  • Products/Completed Operations Liability Insurance

  • Cyber Liability Insurance

  • Umbrella Liability Insurance

  • Hired/Non-Owned Auto Liability Coverage

  • Directors & Officers Liability Coverage

Is Business Insurance Required?

Multiple regulations dictate insurance requirements for businesses. Coverage that is required in most industries includes:

  • Commercial auto insurance

  • Workers’ compensation insurance

  • Errors & omissions insurance

  • Surety bonds

  • General liability insurance

Speak to one of our agents for more information about which coverage is mandatory for you to continue to operate, and how you can enhance that protection with other essential benefits.

How Much Business Insurance do I Need?

Your goal for your business insurance is to let it minimize your potential losses following a challenging event. Therefore, you’ll want to obtain coverage with limits that will provide full protection for all your hard and liquid assets in case of a significant claim. Our agents will help you comprehensively analyze your assets, liabilities and risk management priorities to determine which benefits will provide you optimized protection without a significant blow to your budget.

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1304 W Walnut Hill Ln., Suite 245 | Irving TX 75038
P: 972-600-8460 | F: 800-820-7950 | info@abacusinsurance.net
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