Business Insurance Services in Heath, TX

The first step in protecting your business is having the right insurance. Learn more about different coverages, how they work, and how they can help protect your small business.

Severe weather, fire, and other threats can damage your property and disrupt operations. Understand key property risks and how you can better protect your facilities and business

Lake Point Insurance Agency has markets for your business needs no matter how small or large your company is. We will work with you to determine exactly what coverage best fits your needs.

• Business in the home coverage
• Craftsmen and contractors
• Service providers
• Food establishments
• Retail operations

We provide building coverage, business property, bonds, and business auto coverage. Liability including premises, products, and general. Workers Compensation protection

Lake Point Insurance Agency is ready to review your current plan and help you fill in the gaps. Starting a business for the first time… no worries, give a call.

Is your business insurance plan complete? We can help you figure that out.

As a small business owner, you invest in building up your business’s name and reputation in your community. It only takes one disaster, one stroke of bad luck, without proper protection to spell doom for a small business. That’s why there are so many different types of small business insurance.

Your business faces many different perils every day, and there are corresponding business insurance coverages to protect you from them. Here are five of the most common perils and insurance coverages that you might want to consider for your business. As you read through the different types of coverage that are out there, think about your business and whether or not there are any gaps in the coverage you currently have.

1. Property insurance.

This May include the building in which your business is housed, and the contents required to operate your business. Contents may include stock for sale, tools, materials, and equipment.

To figure out how much coverage you need, you need to take an inventory of all your business’s assets. You need to consider how a loss could affect your business and figure out which losses are the most likely to hit your business.

2. Business interruption insurance.

Business interruption insurance often gets overlooked, it provides for additional expenses incurred, and loss of income if you need to temporarily shut the doors to complete repairs from losses such and fires and storms.

3. Liability insurance.

Your business faces many different forms of liability, which is why it’s important to know which coverage is right for your business. Commercial general liability insurance covers claims of bodily injury, physical injury, personal injury like libel or slander, advertising injury, and property damage that happen because of your products, premises, or operations.

4. Key person insurance.

This coverage protects against unexpected loss of a key member of your business operation. Possibly the person holding a license required for your operation or an employee with a set skill that will take time to replace.

5. Workers’ comp.

A workplace accident can become a really big deal really fast. Accidents happen in a split second, but the effects can go on for much longer than that. Do you know what you would do if one of your employees got hurt on the job? Do you understand your obligations to the injured employee?

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