Business

We know your business means everything to you. It is also important to us. As an owner of a growing business you face tough challenges every day. Make sure your business is adequately protected today and tomorrow. Like you, we are small business owners and understand the importance of developing a plan for continued financial security. The Lone Star Agency can work with you to determine the right blend of insurance and financial products for you and your business.

Business Property Insurance

Whatever each new day brings, is still your best defense against unexpected occurrences such as fire, hail, windstorms, and other natural disasters. Key coverage examples include:

Building Coverage

Your success happens at your store, office, factory and/or other locations. Then a fire hits, rendering your place of business unsafe for you and your employees. The Lone Star Agency Business Property Insurance will make certain your damaged building is repaired or rebuilt quickly so you avoid losing income and preserve both the equity and future

Business Personal Property Insurance

The loss of any property you own or create for sale affects your bottom line. If a windstorm damages any of these items, The Lone Star Agency Business Property Insurance can help you replace everything from computers and inventory to equipment and tools.

Business Income

If a major fire destroys your property, you need assurance that you can continue to operate and replace lost income while the office and its contents are being rebuilt and replaced. Business income insurance not only replaces lost business income, but it can also cover the necessary operating and payroll expenses needed to keep a business operating after a loss. The Lone Star Agency Insurance provides coverage to keep your business operating until goods and services are being produced again. Extended Business Income Coverage can also help your business by replacing lost business income for an extended period of time after your business is back on its feet again.

Business Liability Insurance

The Lone Star Agency Business Liability Insurance helps your business stand strong through challenging situations by covering the associated cost of legal defense and legal damages you are obligated to pay up to the policy limits selected. Connect with a Lone Star Agent who’s an expert in working with business owners and select from a wide range of options that fit your individual business insurance needs.

Many Scenarios, One Solid, Customized Solution

Your unique business faces a wide range of unpredictability, and The Lone Star Agency Business Liability Insurance can help businesses mitigate potentially devastating lawsuits. Coverage examples include:

Premises and Operations

A customer at the store you own trips over a fixture and sustains a significant injury from the fall. Bills for multiple hospital visits are submitted to you for payment. The Lone Star Agency Business Liability Insurance can cover these charges, as can cover the business owner should he be sued by the customer for negligence.

Products and Completed Operations

The deck you built a year ago was flawed, causing a new building owner fiscal disaster. A legal notice appears in the mail informing you of a lawsuit. The case goes to court and your former client wins. The Lone Star Agency Business Liability Insurance can handle the defense costs and, if it comes to it, the legal damages for which the policyholder is responsible.

Employment Practices Liability

If you’ve been in business for a few years or operate in an industry with high turnover rates, you’ve likely hired many employees, whether temporary or full-time. The truth of the matter is that any of these employees can bring legal action against your business at any time. The Lone Star Agency Employment Practices Liability Insurance can help cover your business entity, directors, officers and employees if you are accused of wrongful termination, harassment, discrimination, and other employment-related offenses.

When it comes to liability, it’s not all business, either. If you own a sole proprietorship or partnership and don’t have coverage like The Lone Star Agency Business Liability Insurance, should your business income can’t cover the entire cost of a claim or lawsuit, the rest of the funds might have to come from your personal assets. In some situations, corporation owners can even fall victim to personal liability. Therefore, it pays to have liability insurance that’s right for your business in more ways than one.

Your Safety and Satisfaction are Number One

Not only does The Lone Star Agency offer some of the best, personalized service and fast, expert claims handling in the business, but help is also available to your business to prevent incidents from recurring and/or mitigate potential future losses. The Lone Star Agency has highly trained loss prevention experts on staff who can guide you through educational safety programs and provide supporting materials designed to help improve employee awareness. Contact us to get more details and full protection for your business today.

Business Crime Insurance

Your business is really taking off, so you’ve hired new employees. As time goes on, customer satisfaction remains high and sales are increasing, but something just isn’t adding up. A check of the books reveals that your new bookkeeper has been stealing from you and now you’re concerned how the lease will be paid. As disappointing as this scenario is, it is not at all rare.

Whether you’ve just started a company or your enterprise is established and growing, your future success depends on what you do to build and protect your business today.

As a business owner, you need to concern yourself with losses that can happen from both inside and outside your establishment. Contact a Lone Star agent who can build a tailored insurance solution that meets the specific needs of your business

Theft Isn't Your Only Concern

You may think that robbery or embezzlement are the most common crimes that could come your way, but unfortunately there are many more. You may also think that other forms of coverage you currently carry, like business property insurance, will fully safeguard your business income from crime-related losses. That’s simply not the case. The Lone Star Agency Business Crime Insurance can help bridge those potential gaps, providing coverage for:

Employee Dishonesty

Money and Securities – Inside/Outside

Money Orders and Counterfeit Paper Currency

Forgery and Alteration

Today, there are more opportunities for wrongdoing than ever, especially with more and more businesses going global. Contact a Lone Star agent to help you determine the industry-specific hazards that could affect your investment and create a customized insurance solution for your business.