Workers' Compensation Insurance Serving Alvin, Brazoria, Friendswood, Galveston, Houston, League City, Pearland, Texas, and the surrounding areas
We understand how narrow the operating margins are for most businesses. Major unforeseen expenses, property damage or customer accidents can seriously jeopardize your livelihood. It’s our priority to draft a business insurance plan that limits risk and helps keep operating costs consistent. To meet this goal, Rick Tinker Insurance provides comprehensive cost-effective insurance coverage for businesses in the Texas Gulf Coast, and surrounding areas.
Workers’ compensation insurance, or workers’ comp, is an important part of business insurance. It offers medical benefits and wage replacement for employees who get injured or sick because of their job.
In Texas, workers’ comp is essential for both employers and employees. By getting this insurance, businesses can make sure their workers receive medical care and financial help while they recover.
In return for these benefits, employees usually give up their right to sue their employers for negligence. This makes the process smoother and reduces conflicts, helping to keep a peaceful workplace and protecting employers from lawsuits.
We serve businesses in Alvin, Brazoria, Friendswood, Galveston, Houston, League City, Pearland, Texas, and nearby areas. We help local businesses understand workers’ compensation insurance, ensuring they follow the rules and have peace of mind. With our help, you can focus on your work while we protect your most valuable asset—your employees.
What should Texas business insurance include?
Our insurance plans offer protection in three main areas that directly affect your bottom line.
Do you have adequate business insurance coverage in each of the following areas?
- Property coverage - protects your structure and equipment assets.
- Liability coverage - reduces costs incurred from people claiming harm as a result of your business.
- Business Interruption coverage - ensures you’re able to cover business expenses during temporary shut-down.
PROPERTY COVERAGE
Property coverage is often divided into two parts in a business policy:
- Fixed Property (buildings, fixtures, etc.)
- Contents (equipment, inventory, etc.)
LIABILITY COVERAGE
Liability coverage typically safeguards your business against claims resulting from harm caused to others, including employees. This essential insurance protects you from potential legal and financial repercussions.
Key questions:
- Do you operate off-site?
- Do you serve alcoholic beverages at functions?
- Do you sell products that could cause harm?
- Do you or your employees operate personal vehicles at anytime in the course of doing business?
BUSINESS INTERRUPTION
What happens if your business is shut down? Who will pay the bills? Will you be able to resume when everything is back to normal?
Ask us to review your current business insurance coverage and find out how we can work with you to make sure you are adequately protected!
