Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Business & Commercial Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Business & Commercial Insurance Information
All Texas businesses need to function optimally if they want to remain competitive players in the nation’s second largest economy. However, because you simply cannot ignore the fact that sometimes things will go wrong, you need to have a proper risk management strategy in place to keep your operations, property, employees and bottom line secure. A comprehensive portfolio of quality commercial insurance options will help you ensure that you have the means to do so.
At Cloud Insurance, we fully believe that the best commercial insurance package is the one that offers you ease of management, along with quality, customized benefits and the best possible value for your budget. You can trust us to help you pinpoint, enact and manage the policies that are perfect for you.
Call us at or request a quote now to learn more about our diversity of business insurance options.
Common Business Insurance Questions
Like homeowners, auto and other personal insurance policies, business insurance is designed to protect business owners, their employees and their commercial assets from numerous instances of unexpected, unavoidable losses.
Without the right coverage in place, you could be setting yourself up for incalculable financial losses that your business might not be able to realistically sustain. Therefore, by investing in the right coverage at the right time, you’ll go a long way towards protecting your company’s future.
What most people don’t realize is that there’s not a single policy out there called business insurance. Rather, comprehensive business insurance benefits are obtained by enrolling in several different policies, all of which can be used in the proper places at the proper times to prevent your business from a devastating financial loss.
Just a few of the benefits that you might need include:
Property insurance: If something damages physical property – such asyour building or possessions - then this coverage can help you repair or replace them.
General liability insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
Business interruption insurance:This helps you pay the bills if you must temporarily close after a damaging accident.
Commercial auto insurance: When the company owns vehicles, this coverage will provide the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
Workers compensation insurance: If an employee gets hurt on the job, they are often eligible for workers compensation coverage. It will provide them supplementary income during their recovery.
Errors & omissions insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
Surety bonds: If you are contractually obligated to certain clients, then bonds will guarantee them that you will repay them if you cannot meet your obligations.
More specific policies are available for those who face industry-specific and niche coverage needs. These include:
Employment Practices Liability Insurance (EPLI)
Products/Completed Operations Liability Insurance
Cyber Liability Insurance
Umbrella Liability Insurance
Hired/Non-owned Auto Liability Coverage
We will help you choose the policy limits, deductibles and other coverage terms that will ensure that you receive optimized protection in all aspects of your operations.
Small business owners need benefits that both offer them effective protection and keep their budgets in mind. After all, you have enough to worry about besides juggling multiple policies that might not offer you the best pricing in the first place.
The solution to getting both coordinated benefits and favorable prices is to invest in a business owners policy (BOP). It will offer you coordinated essential benefits (property, general liability and business interruption coverage) within one package and at a single premium, which can save you both time and money when it comes to policy management. The BOP is also customizable and adaptable to the needs of each small business, so you can augment yours effectively with the help of one of our agents.