If your San Antonio business is not adequately insured, you are running the risk of losing your business. Did you know that if you send an employee out to pick up a lunch for the office and they get in an auto accident, your business can very well likely get sued even if it’s not a company-owned vehicle? Coverage against these types of risks can cost you just a few pennies a day, but the majority of Texas entrepreneurs have very little coverage, have failed to update their insurance since their business first opened or are unaware of the new types of business insurance coverage designed to protect their businesses.

Updating your business insurance coverage doesn’t necessarily have to break your budget. When you add it all up, adequate business insurance coverage should generally cost a company 1 percent or less of its gross revenues. What's more small businesses now have many new insurance products to choose from - and more insurers are competing for the market.

There are a few types of insurance every business needs.
Business Property Coverage insures that your office equipment, your inventory, and the building you own or improvements you've made to the office space you are renting is protected against a range of perils, from fire to windstorms and some water damage. Floods however are not covered.

How much coverage you need is determined by how much your property is worth or how much it will cost you to get afloat again should you loose everything you own. However, this is number isn’t static and you should continually update your limits.

Liability insurance covers lawsuits from accidents that cause bodily injury, accidents that cause property damage and other miscellaneous claims such as libel, slander and false advertisment.

Liability and property protection are just a start. There are many more kinds of coverage you may need, some of which are even required by law or by insurers.

Call David Ison Insurance at (210) 490-1494 and let us help you get the right business insurance for your company!