Commercial Insurance for Texas Businesses
Running a business means managing risks every day. Your property, employees, vehicles, customers, equipment, technology and day-to-day operations can all create different insurance considerations.
There isn’t one commercial insurance policy that works for every business. The right combination of coverage depends on what your business does, what you own, who you employ, how you operate and the risks you face.
As an independent insurance agency, Lavon Insurance works with multiple insurance carriers and can help you explore available commercial insurance options based on your business and coverage needs.
Core Commercial Coverage
Start With the Basics
Many businesses start with a combination of property, liability, vehicle and employee-related coverage. Your specific needs will depend on your business.
Commercial Auto Insurance
Coverage options for vehicles used in business operations, including company vehicles, work trucks and other commercial vehicles.
Learn More →Business Owner’s Policy
A BOP can combine several important commercial coverages into one policy for eligible businesses.
Learn More →Workers’ Compensation
Coverage that can provide benefits for covered work-related injuries and illnesses, subject to the applicable policy and Texas requirements.
Learn More →Protect Your Property & Income
Business Property & Income Insurance
Your business depends on more than the building. Equipment, inventory, furniture, tools, supplies and other property can all be important to keeping your business operating.
Business property and income coverage can help address different parts of your physical property and financial continuity needs, depending on the policies and coverage selected.
Explore Business Property & IncomeCommercial Property
Buildings and other eligible commercial property.
Business Personal Property
Equipment, inventory, furniture, tools and other business contents.
Inland Marine
Coverage options for certain property while being transported or away from your primary location.
Business Interruption
Coverage options addressing certain income losses following covered property losses.
Equipment Breakdown
Coverage options for certain sudden mechanical or electrical equipment breakdowns.
Commercial Crime
Coverage options for certain losses involving theft, fraud, forgery and other covered crimes.
Protect Your Business From Liability Risks
Business Liability Insurance
Liability exposures can come from customers, clients, employees, products, professional services, technology and everyday business operations.
Different liability policies address different types of risk. We can help you evaluate the coverage that may make sense for your business.
Explore Business LiabilityGeneral Liability
Coverage for certain third-party bodily injury, property damage and personal or advertising injury claims.
Cyber Insurance
Coverage options for certain cyber, data and technology-related risks.
Professional Liability & E&O
Coverage for certain claims arising from professional services, errors or omissions.
Commercial Umbrella
Additional liability protection that may apply above certain underlying policies.
Employment Practices Liability Insurance
Coverage options for certain employment-related claims involving workplace practices.
Specialty Commercial Insurance
E&S & Surplus Lines Insurance
Some businesses and properties don’t fit neatly into the standard insurance market. E&S, or Excess & Surplus Lines insurance, can provide options for certain unique or hard-to-place risks.
E&S insurance operates differently from standard insurance, including differences in regulation and consumer protections. Understanding those differences is an important part of evaluating specialty coverage.
Explore E&S InsuranceBusiness Insurance
Commercial Insurance for a Variety of Texas Businesses
Every business has its own combination of property, liability, employees, vehicles, equipment and operational risks.
Contractors
Liability, commercial auto, tools, equipment and other coverage considerations.
Retail Businesses
Property, inventory, customers, employees and day-to-day operational risks.
Professional Businesses
Professional liability, cyber, property and other specialized business coverage.
Restaurants
Property, equipment, customers, employees and business interruption exposures.
Transportation Businesses
Commercial auto, trucking and other specialized transportation insurance needs.
Small Businesses
Flexible combinations of liability, property, BOP, auto and other commercial coverage.
The Lavon Insurance Difference
Why Work With an Independent Insurance Agency?
Choosing business insurance isn’t simply about finding a policy. It’s about understanding the risks your business faces and finding coverage that makes sense for your situation.
Multiple Carriers
We can work with multiple insurance carriers and compare available options based on your business.
Personal Service
You get a person who takes time to understand your business and explain available coverage options.
Coverage Built Around You
Your business isn’t identical to every other business, so we start with your actual operations and exposures.
One Agency for Multiple Needs
From property and liability to vehicles, employees and specialty coverage, we can help you evaluate multiple commercial insurance needs.
Simple Process
How Commercial Insurance Works With Lavon Insurance
We keep the process straightforward: understand your business, explore available options and help you understand the coverage you’re considering.
Tell Us About Your Business
We learn about your operations, property, vehicles, employees and other important insurance considerations.
We Compare Available Options
We review available insurance options from participating carriers based on the information provided.
You Choose Your Coverage
We explain the available options so you can make an informed decision about the coverage that fits your business.
Commercial Insurance in Lavon and Throughout Texas
Lavon Insurance serves businesses throughout Texas, with a strong local focus on Lavon and surrounding North Texas communities.
If you’re searching for commercial insurance in Lavon, Wylie, Nevada, Josephine, Princeton, Royse City, Farmersville, Greenville, Murphy, Melissa, Rowlett, Rockwall, Sachse or surrounding communities, our independent agency can help you explore available business insurance options.
We work with businesses of different sizes and industries and can help you evaluate commercial insurance based on your specific operations.
Commercial Insurance FAQ
Frequently Asked Questions About Commercial Insurance
What is commercial insurance?
Commercial insurance is a broad term for insurance products designed to help businesses manage different risks. Depending on the business, coverage may include general liability, commercial property, commercial auto, workers’ compensation, cyber insurance and other policies.
What commercial insurance does my business need?
It depends on your industry, operations, property, vehicles, employees, contracts and other exposures. There is no single commercial insurance package that is appropriate for every business.
What is a Business Owner’s Policy?
A Business Owner’s Policy, or BOP, combines certain commercial coverages into one policy for eligible businesses. A BOP commonly includes property and general liability coverage, although the exact protection varies by policy and insurer.
Does my business need commercial auto insurance?
If vehicles are owned, leased or used for business purposes, commercial auto insurance may be appropriate. Personal auto policies can have limitations when a vehicle is used for business purposes.
What is the difference between business property and business liability?
Business property coverage generally addresses eligible physical property and related losses, while business liability coverage addresses certain claims made against your business by customers, clients, employees or other third parties. Different policies address different risks.
Can an independent insurance agency compare multiple companies?
Yes. Independent insurance agencies can work with multiple insurance companies. Lavon Insurance can review available commercial insurance options from participating carriers based on your business and coverage needs.
Let’s Talk About Your Business Insurance
Your business deserves insurance that is built around its actual needs. Tell us about your business and let us help you explore available commercial insurance options.
Important: Insurance coverage, limits, exclusions, deductibles, eligibility and availability vary by insurance company and policy. Information on this page is provided for general educational purposes and does not modify or replace the terms of an insurance policy. Contact Lavon Insurance to discuss your specific business insurance needs.