Commercial Insurance in Texas
General Liability | Commercial Bonds | Commercial Property | Cyber Liability | Professional Liability | Workers' Compensation | D&O Liability | EPL | Inland Marine
Business Insurance Solutions for Your Business Needs
General Liability
General liability insurance protects your business against financial losses resulting from claims of injuries, accidents on company property, or issues related to the use of your business’s goods and services. This type of insurance is foundational for managing the risks of running a business, covering liabilities, including personal injuries on your premises, property damage claims, and certain employment-related issues.
We prioritize offering comprehensive coverage that meets the diverse needs of our clients. Our general liability insurance options are designed to provide peace of mind and legal safeguards. Whether you operate a small business or manage a larger enterprise, our insurance products, including professional liability insurance and commercial property insurance, form a safety net for various potential financial losses.
Tailored Coverage That Meets Your Needs
Our general liability policies extend beyond basic coverage. They can be customized to include additional protections critical for your specific business sector, encompassing everything from bodily injury and property damage to financial losses resulting from lawsuits. This coverage ensures that your business can continue operations even in the face of legal challenges.
Let Vogue Insurance Agency help you find a general liability insurance plan that fits your business needs and budget. Protect your business, your employees, and your future with the proper coverage.
Contact us today for a customized insurance quote and explore how our coverage options can support your business against unforeseen liabilities.
Commercial Bonds
Commercial surety bonds guarantee your business will meet specific obligations, such as fulfilling contract terms. These bonds are essential tools that protect clients (obligees) against potential losses if a company (principal) fails to meet its duties. Often required by state laws, commercial bonds are vital for operating legally and ethically in various industries.
At Vogue Insurance Agency, we specialize in providing a comprehensive range of commercial bonds. With our deep understanding of market demands and extensive experience, we guide businesses through securing the necessary bonds to enhance their credibility, support growth, and increase bonding capacity.
Each type of bond addresses specific aspects of business and legal obligations, offering tailored protection based on your operational needs.
Are you ready to strengthen your business’s security and compliance with the right commercial surety bonds? Contact Vogue Insurance Agency today to discuss your needs and explore our bonding solutions.
Types of Commercial Bonds We Offer
- Contract Bonds: Ensure the fulfillment of contract stipulations.
- Professional Service Bonds: Secure professional standards and protect against breaches.
- Payment and Performance Bonds: Guarantee payment to subcontractors and proper completion of projects.
- License and Permit Bonds: Required for obtaining and maintaining licenses or permits in numerous fields.
- Fidelity Bonds: Protect businesses from losses caused by fraudulent acts of employees.
- Judicial and Court Bonds: Used in legal contexts to ensure compliance with court rulings.
Commercial Property
Commercial Property Coverage Options
- Buildings and Structures: Protects the physical location of your business, including the main building and any additional structures.
- Furniture and Equipment: Covers the costs to replace or repair office furniture and equipment.
- Inventory and Records: Ensures your products and business records are protected against loss or damage.
- Computers and Technology: Offers specific coverage for technological equipment and systems critical to your business operations.
- Property Improvements: Includes enhancements made to leased spaces or owned buildings.
- Glass & Fine Art: Provides special coverage for delicate items in your business decor or inventory.
- Outdoor Fences and Walls: Covers external features of your business premises.
- Commercial Auto Insurance: Protects vehicles your company owns and used for business purposes.
Our commercial property insurance helps safeguard your investment in your business, providing peace of mind to focus on what matters most—growing your business. From small businesses requiring basic coverage to larger enterprises needing complex solutions, we have the expertise to secure your physical assets against unforeseen events. Explore your insurance options at Vogue Insurance Agency to cover your business, and contact us today to tailor a policy that meets your needs.
Cyber Liability
Cyber Liability Coverage Options
- Website and Internet Coverage: Protects your online operations, safeguarding against data breaches and cyber-attacks.
- Networking and Servers: Covers your network and server infrastructure, ensuring business continuity in the event of security incidents.
- Technology Products and Services: Protects against risks related to developing and operating technology products and services.
- Copyright and Trademark Protection: Defends against intellectual property infringement claims.
- Software Failure and Data Corruption: Covers losses from software glitches and data corruption.
- Errors & Omissions: Offers protection for service-related errors that could lead to significant liabilities.
Connect with Vogue Insurance Agency to discuss how we can support your cybersecurity efforts with tailored cyber liability insurance solutions.
Workers' Compensation
Employees want to feel safe at work, and company owners want to keep them safe. The state provides workers’ compensation programs to provide for lost wages or needed medical care arising from job-related injuries, accidents, or occupationally-related medical conditions. Workers’ compensation insurance can also protect your company from monetary losses often accompanying these types of claims.
Every industry has its own set of risks. Let Vogue Insurance sit down with you and find the coverage you need to keep your workers safe and your costs manageable.
Non-subscription
Even though Texas companies can opt out of worker’s compensation, they can still be held liable if a court determines negligence for an employee injury. In fact, non-subscribers who opt out of the workman’s comp system are not afforded the same legal protection as employers covered by worker’s compensation laws.
Suppose your company has opted out of worker’s comp. In that case, you may need additional coverage to provide benefits for occupational accidents, settlements related to pain and suffering, and other legal judgments.
Professional Liability
Examples Of Typical Industries Requiring Professional Liability Insurance
- Accountants and Auditors
- Advertising and Public Relations
- Law Firms and Attorneys
- Architects & Engineers
- Business Consultants
- Human Resources
- Marketing Firms
- Physicians and Medical Groups
- Financial Institutions and Investment Advisors
Directors & Officers Liability
Directors and officers often make big decisions and sometimes take significant risks. Directors and Officers (D&O) Liability Insurance protects the director’s and officer’s personal assets against claims of mismanagement made by investors, customers, or employees.
High-quality D&O insurance is needed to attract your company’s best-qualified directors and officers. Protect them with Vogue Insurance.
Employment Practices Liability
Employment Practices Liability (EPL) Insurance protects organizations against employee claims of wrongful termination, discrimination, or sexual harassment. It may also cover breach of contract and wage and hour violations. This type of policy may be standalone or part of a broader coverage plan.
Are you protected? Find out with Vogue Insurance.
Inland Marine Coverage
Your company needs Inland Marine coverage if you need protection that is not necessarily confined to a specific location. This cannot be insured with a standard policy. Inland marine insurance protects certain moving or movable property (over land), property under construction, and property used for transportation or communication (roads, bridges, radio towers, etc). This includes equipment, products, parts, and materials shipped “inland” by automobiles, trucks, and trains.
When reviewing your insurance needs, Vogue Insurance can help you determine if you need inland marine coverage for any aspect of your business.