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Allwin Insurance
Business & Commercial Insurance
Houston, Texas, Insurance Brokers for All Your Insurance Needs
Commercial Auto
As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal travel — liability, collision, and comprehensive medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
General Liability
If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
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Key Advantages of Choosing Allwin Insurance Agency
Competitive Pricing for All Types of Insurance
We offer affordable premiums for comprehensive coverage, ensuring you get the best value for your insurance needs.
We Always Care About Our Client Satisfy
Our agency partners with financially stable insurance providers, giving you peace of mind and reliable coverage.
14 Years of Excellence in the Insurance Industry
We customize insurance policies to fit your specific needs, providing personalized solutions for both individuals and businesses.
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Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
Workers Compensation
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Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don’t include coverage for workers’ injuries.
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Ready to Update Your Insurance Policy? Call Allwin Insurance Agency
Are you ready to upgrade your insurance policy? Do you need expanded coverage? Do you want to add an additional driver to your Bonds policy? No matter your situation, the experienced insurance brokers at Allwin Insurance Agency are here to help you with all of your car insurance needs. Call our office at (713) 952-5031, or complete a contact form on our website to schedule an appointment with an insurance broker today.
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Houston, Texas, Insurance Brokers for All Your Insurance Needs
Do You have any inquiries related to listed business & commercial Insurance
- Builders Risk
- Business Owners (BOP) Quote
- Commercial Auto Insurance Quote
- General Liability Quote
- Limousine Quote
- Liquor Liability Quote
- Truck Quote Request
- Workers Compensation
Business & Commercial Insurance Customer Service Options
To request a policy change on your account, submit a a request for any of the policy service options below.
- Add Driver to Existing Commercial Auto Policy
- Add Vehicle to Existing Commercial Auto Policy
- Remove Driver from Existing Commercial Auto Policy
- Remove Vehicle from Existing
- Commercial Auto Policy
- Request Declaration and Coverages Page for Commercial Auto Policy
- Request General Liability Certificate of Insurance
- Request ID Card for Commercial Auto Policy
- Business & Commercial Insurance Information
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How We Work
Journey through our process
01
Needs Assessment
At Allwin Insurance Agency, our process begins with a thorough needs assessment. This essential step ensures we understand your unique insurance requirements and goals.
02
Tailored Coverage
With a comprehensive understanding of your needs, we move on to creating a customized insurance plan.
03
Ongoing Support
Your journey with Allwin Insurance Agency doesn't end with the issuance of your policy. We are committed to providing ongoing support to ensure your continued satisfaction and peace of mind.
Testimonial
Hear from Our Customers
Jonathan Turner
Health Insurance Client
I couldn't be happier with the health insurance coverage provided by Allwin Insurance Agency. Their team was incredibly thorough in assessing my needs and tailoring a plan that fits my lifestyle perfectly. The peace of mind I have knowing my health is protected is invaluable. Highly recommend their services!
Commercial Insurance Client
Business manager
Allwin Insurance Agency has been a game-changer for my business. Their comprehensive risk assessment and tailored commercial insurance coverage have provided me with the protection I need to operate confidently. Their quick claims process and ongoing support have been exceptional. I'm grateful for their expertise and dedication to my business's success.
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