Starting a business involves a significant investment and assuming a lot of risks. However, business insurance is there to protect your investments by reducing those risks associated with unexpected events such an injured employee, a natural disaster or lawsuits. Business insurance is not always required by law, however, it is smart investment to make to cover your assets in the case of an emergency. Instead of hoping bad things will not happen to your business, it is best to be prepared in case they do. If your business is an LLC or a corporation, your personal assets are protected from business liabilities; however, neither being an LLC or a corporation does not completely protect your business from losses.

Your state government determines insurance requirements for businesses in your state.Your state may also require insurance to cover specific business activities. For example,if your business often drives a vehicle for work purposes, you may be required to purchase commercial auto insurance. Finally, it is possible that your financial lender or investors may require you to maintain life, business interruption, fire, flood or other types of insurance to protect their investments. Finally, most states require businesses with more than 1 employee to pay for workers' compensation insurance. These types of employee insurance are further explained below:

Workers' Compensation Insurance

Businesses with more than one employee are required to carry workers' compensation insurance coverage. Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. 

General Liability

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. Also, general liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Integrity Network Insurance Group, LLC

Integrity Network Insurance Group was established in 2009 with the goal of providing our clients with exceptional customer service and create an insurance program that is both beneficial and cost effective. We are a family owned and operated independent agency with more than 45 years combined business and insurance experience serving the Pflugerville, Round Rock, and Austin, areas in Texas.

As an independent, full-service agency, Integrity Network Insurance Group offers many different types of insurance to meet your personal and business needs. You are our Number 1 priority. Give us a call today at 512-989-6006 and let us help you set up the right Round Rock business insurance plan to fit your business needs.

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1315 Grand Avenue Parkway
Suite 101
Pflugerville, TX 78660

Phone: (512) 989-6006
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