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Business Insurance

What is Business Insurance?

Running a business is an investment of time, money, and dedication. Business insurance helps protect that investment by minimizing financial risks caused by unexpected events such as lawsuits, employee injuries, natural disasters, or even the loss of a key partner.

Rather than being a single policy, business insurance is a collection of coverages designed to keep your company protected and running smoothly no matter what challenges come your way.

What Are the Major Types of Business Insurance?

  • General Liability Insurance – Protects your business against claims of bodily injury, property damage, or advertising mistakes. A must-have for almost every business.
  • Commercial Auto Insurance – Covers company-owned cars, trucks, or vans against accidents, damage, theft, and liability.
  • Commercial Property Insurance – Safeguards your buildings, equipment, inventory, and more from fire, theft, or storm damage.
  • Commercial Umbrella Insurance – Provides an extra layer of liability protection beyond the limits of your other policies.
  • Professional Liability Insurance (Errors & Omissions) – Shields service providers and professionals against negligence claims—even if the claims are groundless.
  • Business Owner’s Policy (BOP) – A cost-effective package combining property, liability, and business interruption insurance, ideal for small and medium-sized businesses.
  • Workers’ Compensation – Provides wage replacement and medical benefits to employees injured on the job while protecting your business from lawsuits.
  • Group Health, Life & Disability Insurance – Enhances your employee benefits package to attract and retain top talent.
  • Supplemental Insurance – Adds extra protection for out-of-pocket expenses that standard policies don’t cover.

Why Business Insurance Matters in Texas

Texas businesses face unique risks, from hurricanes and hailstorms to liability lawsuits and employee injuries. Whether you own a retail shop, a construction firm, or a professional service, business insurance helps protect your assets, employees, and future growth.

Local Expertise You Can Trust

At MCN Multiservices, we serve businesses across Texas. Our agents understand local regulations, industry-specific risks, and insurance requirements. We’ll help you build a custom policy package that fits your company’s size, goals, and budget.

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What Makes Our Business Insurance Different?

Texas-Specific Expertise

We know the local regulations and risks unique to Texas businesses.

Custom Policy Packages

Tailored coverage for small businesses, startups, and multi-location enterprises.

Affordable Premiums

Get comprehensive protection without breaking your budget.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

Business Insurance Tips for Texas Owners

  • Bundle Policies – Combine liability, auto, and property insurance for discounts.
  • Review Annually – Update coverage as your business grows or changes.
  • Protect Your Team – Offer group health and workers’ comp to attract top talent.
  • Plan for Disruption – Add business interruption coverage to stay afloat during disasters.

Ready to Protect Your Business?

Contact MCN Multiservices today for a free business insurance quote in Texas. Our licensed agents will help you compare policies, understand coverage options, and build a custom insurance package that fits your company’s needs.

Frequently Asked Questions

Why do I need business insurance?

Business insurance helps safeguard your company against lawsuits, theft, natural disasters, and accidents. It’s also a common requirement for signing contracts, leasing property, or meeting industry and state regulations. From construction firms to retail shops, business insurance requirements ensure your operations stay protected and compliant.

There are several types of business insurance available to fit your needs, including:

  • General Liability Insurance
  • Commercial Property Insurance
  • Professional Liability (Errors & Omissions)
  • Workers’ Compensation
  • Business Owner’s Policy (BOP)
  • Cyber Liability Insurance

The cost of business insurance in Texas varies depending on your company’s size, location, and industry. Small businesses typically pay between $500 and $2,000 annually for affordable commercial insurance. Comparing multiple quotes helps business owners find the best small business insurance rates while maintaining strong coverage limits and deductibles.

While Texas law doesn’t require every business to carry general liability insurance, some industries and contracts do have specific business insurance requirements. Workers’ compensation may also be mandatory depending on your business type. Even when not required, having commercial insurance in Texas protects your company from costly claims and legal issues.

A Business Owner’s Policy, or BOP insurance, combines general liability and property coverage into one bundled business insurance package. This type of policy is ideal for small and medium-sized companies in Texas that want affordable, simplified protection against property damage, lawsuits, and loss of income.

No, standard business insurance does not cover employee injuries. Those are handled under workers’ compensation insurance, which pays for medical bills and lost wages from job-related incidents. Workers’ comp is an essential part of business insurance for employees, protecting both your team and your business from financial loss.

Yes! You can bundle business insurance with commercial auto, property, or umbrella insurance to unlock multi-policy savings. Bundling business insurance policies helps lower premiums, simplify renewals, and qualify for commercial insurance discounts from your provider.

To file a business insurance claim, contact your insurance provider right away, document the incident with photos and reports, and submit your claim form with supporting documentation. Following the proper business insurance claim process ensures faster resolution and reimbursement for covered losses.

Operating without business insurance leaves your company vulnerable to lawsuits, accidents, and property damage. The risks of no business insurance include losing assets, facing legal penalties, or even bankruptcy. Investing in comprehensive commercial insurance is essential to protect your livelihood and long-term success.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.