Business Insurance

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Commercial Package

General Liability

Worker's Compensation

Worker's Comp

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A commercial package carries most of your business' protection.  Not only does it include your general liability and property coverage, but it can also hold many extras such as professional liability, employment practices, employee benefits liability, liquor liability and employee dishonesty.  Each package is custom built, so make sure you have an agent walk you through your options.

If your business doesn't have a property exposure, general liability policies can be built separately.  There are still many different options for the different types of liability that can be included.  

Worker's compensation protects your business from liabilities due to an injury to one of your workers.  Our office offers worker's comp markets for many different carriers.  This allows us to find the best coverage at the best rate with a carrier that's looking for businesses just like yours.  

There are many options available when deciding how best to protect what you've worked so hard to build.  Tucker Insurance has dedicated commercial specialist to help walk you through what's available so that you can build a custom package.  Some examples of available options are shown below.  Give us a call today and we'll answer any additional questions you may have.  (409) 767-8003

Business Insurance Options

General Liability Insurance

It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.

Workers Compensation Insurance

This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.

Product Liability Insurance

It pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.

Commercial Property Insurance

General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.

Business Owners Policy (BOP)

This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.

Commercial Auto Insurance

This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.

Commercial Umbrella Policies

This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability or other underlying liability policy limits.

Liquor Liability Insurance

It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.  If your business serves alcohol, you need separate coverage for this risk.

Professional Liability (Errors & Omissions)

This type of business insurance is also known as malpractice or E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating. Usually professionals who require a license or certification need this extra protection.

Surety Bonds

Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).

Types of bonds may include:

Performance Bonds

Construction Bonds

Sales Tax Bonds

Permit Bonds

Notary Bonds

Title Bonds

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