How workers compensation insurance can protect both you and your employees

In today’s world, businesses here in the Pearland, TX area need to have adequate workers’ compensation insurance in place. At Barry Insurance Group, we know that this type of insurance is critical for protecting their employees and can also provide vital protection to the business owners. 

Workers’ compensation insurance provides financial protection if an employee is injured on the job and cannot work. This means that the employer pays for medical expenses related to the injury and any temporary or permanent disability payments the worker may be entitled to. This helps ensure that your employees are taken care of no matter what happens, and you don’t incur any financial liability from their injuries or illnesses. 

Similarly, workers’ compensation insurance can help protect business owners from lawsuits from workplace injuries or accidents. Suppose an employee decides to sue a company over health concerns related to their work environment. In that case, the business owner will be protected by their worker’s comp policy against potentially crippling damages awards and legal fees. 

Workers’ compensation insurance is a must-have for all businesses, regardless of size or industry. It provides peace of mind knowing that both your employees and yourself are protected from potential financial liability arising from workplace injuries or illnesses.

For more information or to explore a worker’s compensation policy to protect your business, call us at Barry Insurance Group today. You will sleep better knowing your employees and your business, and you will be protected in case of an accident. We proudly serve the Pearland, TX area and would happily help you find a policy that meets your needs and budget.

Three things that might surprise you about commercial insurance

Purchasing commercial insurance now could make a big difference for your company down the road. That’s why our professionals here at Barry Insurance Group are here to help you insure your commercial operation in Pearland, TX.

The following are three things that might surprise you about commercial insurance:

Certain types of commercial insurance are required by law

Some business owners assume that insuring their company is always optional. This is not true. Commercial insurance is a legal requirement in a wide variety of situations.

You need to research on the regulations in your municipality and the operational details of your commercial operations before assuming that you’re not required to carry insurance for your business. 

Commercial insurance is a business expense that can be written off on company tax returns

It can actually be financially advantageous to pay commercial insurance premiums if you are looking for expense write-offs for your company. Commercial insurance premiums are a business expense and can be written off as such whenever you file the tax return for your company. 

Commercial insurance policies aren’t standardized

A lot of types of insurance policies such as auto insurance are fairly standardized and offer similar coverage details among different policyholders. However, commercial insurance is not like this.

Commercial insurance policies vary widely among the different companies that hold these policies. That’s why it’s so important to explore the options and work with your insurance provider to devise a policy that’s just right for your company’s needs. 

Get Commercial Coverage Today

You need to get a quote on a policy if you are in the market for commercial insurance in Pearland, TX. At Barry Insurance Group, we can help you get the policy that’s just right for your company. Call us or visit our office for a commercial insurance policy quote. 

Top 3 Things to Look for in a Commercial Insurance Policy

When it comes to finding the right commercial insurance policy, it can be tough to know where to start. There are so many options available, and each policy seems to cover something different. How can you be sure you’re getting the best coverage for your business? Barry Insurance Group in Pearland, TX offers you a guide on choosing a commercial insurance policy. 

Top 3 Things to Look for in a Commercial Insurance Policy

1. What the Policy Covers

When choosing a commercial insurance policy, the first thing you’ll want to look at is what exactly the policy covers. What types of events or accidents does it cover? Does it cover property damage, liability, or both? For example, a liability policy will protect your business if someone is injured on your property, but it won’t cover any damage to your property itself. On the other hand, a property damage policy will cover damage to your property but not any injuries that occur on it.

2. The Policy Limits

When choosing a commercial insurance policy, the second thing to look at is the policy limits. This is the maximum amount of money the insurance company will payout in the event of a covered accident or event. It’s important to choose a policy with limits that are high enough to cover the potential damages your business could face. Otherwise, you may be left footing the bill yourself if something happens.

3. The Deductible

Unfortunately, some business owners make the mistake of overlooking the deductible when selecting a commercial insurance policy. This is the amount of money you’ll have to pay before your insurance company starts paying claims. A higher deductible means a lower premium, but it also means more risk for you if something happens. Choose a deductible that you’re comfortable with and that fits your budget.

Get Commercial Insurance in Pearland, TX

If you’re looking for commercial insurance, keep these three things in mind. Barry Insurance Group offers various commercial insurance policies, so we can help you find the right one for your business. Contact us today to learn more or get a quote.


The Necessity of Commercial Insurance: Protect Your Business Interests

Business insurance is a critical step for all Pearland, TX companies, as it helps to protect their interests in so many ways. If you’re not sure of what kind of policy you’d like, you can talk to us at Barry Insurance Group and learn more about the different levels of protection that they provide.

Insurance Protects You From Legal Situations 

You are legally required to have business insurance in most states for a reason. This type of policy will protect you from a myriad of different complex legal situations. For example, if your customer sues you after slipping and falling, your policy will pay for any damages they get from you and will ensure that you don’t experience any long-term financial troubles as a result of these changes. 

Coverage Keeps Your Customers Safe 

Did you know that your insurance can not only minimize your risk of a lawsuit but also avoid hurting your customers and employees? For example, if you have property damage repair insurance, you can fix-up dangerous areas of your facility and avoid lawsuits. And bodily injury coverage can protect you by paying medical expenses and fees for people hurt at your facility. 

Minimize Hacking Dangers 

In today’s modern business place, you need to constantly worry about the dangers of hacking and keeping your customers and your business identities safe. That’s why you need insurance to pay for things like identity protection solutions, public relations, legal fees, and any awkward liability situations. This money will go into effect only if a data breach occurs.

Protect Your Business From Danger

There are just a tiny fraction of the ways that your insurance will help you. It will also provide you with long-term benefits for business owner protection and much more. So please don’t hesitate to contact us at Barry Insurance Group, serving Pearland, TX, if you’re interested in learning more about this process.

Is Commercial Insurance Really Worth It?

Texas business owners should evaluate various types of commercial insurance to safeguard them against different risks common in the business environment. Why? The financial health of your business could be thrown into ruins by risks like theft, vandalism, fire, liabilities, and employee injuries. If you are a business owner in the Pearland, TX area, consider Barry Insurance Group for all your business insurance solutions. 

Is commercial insurance mandatory in Texas?

Commercial auto insurance is required in Texas, but unlike many states, Texas doesn’t require private employers to carry worker’s compensation insurance. However, it’s advisable to carry workers’ comp insurance, whether mandatory or not, to protect your employees.

Is commercial insurance worth it?

Running any form of business comes with inherent risks ranging from natural calamities, employee injuries to lawsuits. Ensuring your business is adequately covered provides the following benefits:

  • Liability protection: If a business venture or its operations propagates any form of injury to any other individual, liability insurance pays for the rising medical costs.
  • Assets protection: Commercial property coverage pays for damages or losses to your business building and other business assets like inventory and computer when a covered peril strikes. 
  • Covers advertising liability: When your business violates the copyright rule of another party, it may culminate into a copyright infringement issue. Liability coverage comes to the rescue as it cushions your business against arising legal liability claims.
  • Protection of workers: Although Texas does not require workers’ compensation, it’s essential coverage to consider. This coverage pays for medical expenses and partially missed income arising from illnesses and injuries for your employees.
  • Protection from cyber-crimes: Cyber liability insurance offers protection for certain losses caused by data breaches. It will assist a business in settling some costs culminating from a data breach, like customer notification and legal fees.

Buying commercial insurance in Pearland, TX is a prudent move to safeguard your business and employees. If you are searching for a proper commercial insurance policy, don’t look beyond Barry Insurance Group. Contact or visit us today and initiate your insurance journey with us.


What Happens If I Don’t Have Commercial Insurance for my Business?

Not having commercial insurance as mandated by Texas or any other state can result in significant monetary loss from fines and business if your company is forced to close for violations. Specific to Texas, unlike in the majority of states, businesses are not required to have workers’ compensation insurance, which helps pay for costly medical bills and other damages associated with an employee’s inability to work due to workplace injury or illness. Additionally, any Texas companies that have contracts with the government must have workers’ compensation insurance. Although workers’ compensation insurance is not required in Texas, any business-owned vehicles must be covered by commercial auto insurance with at least state minimums for liability coverage. Additionally, if you own a business where employees are required to use their personal vehicles for work purposes, then it is strongly recommended that cover those vehicles with hired and non-owned auto insurance because personal auto policies generally exclude business use. 

Choosing not to have commercial insurance can have a devastating impact on your livelihood by leaving your business and assets exposed. In addition, failure to carry commercial auto insurance as mandated by the state can result in costly fines and even a potential shutdown. Consequently, the vast majority of business owners turn to commercial insurance to help protect their companies. When choosing insurance, be sure to have adequate liability coverage. Depending on the type of business, it may be important to have supplemental coverage like cyber liability insurance if you are hacked or suffer a data breach. When you are ready to find the perfect policy, give Barry Insurance Group in Pearland, TX a call so we can help you customize a commercial insurance plan that best fits your business and needs. 

What Is General Liability Under My Commercial Insurance Policy?

General liability under a commercial policy can become tricky for business owners, especially when they’re deciding whether to file a claim (and if so, exactly how to file it). Barry Insurance Group in Pearland, TX wants you to know what general liability is, what it covers, and maybe even more importantly, what it doesn’t cover. 

What Does General Liability Mean?

General liability refers to coverage that will pay for different expenses if it’s determined that you or your business was at fault for an event. So, let’s say an employee forgot to put down a Caution When Wet sign after mopping the floor. Whether the customer slips and breaks their leg or their expensive laptop goes flying out of their hands, general liability would help you pay for the costs to treat the injuries or replace the property. 

What Does It Cover?

General liability typically covers property damage or injury claims made by clients, customers, or third-parties. If someone initiates false slander against your company to destroy your reputation, you can also use general liability for this as well. So regardless of whether you’re looking for legal help or you intend to settle the claim outright, you get the money you need to handle everything from payments to administrative costs. 

What Doesn’t It Cover?

General liability doesn’t cover auto accidents, property damage to your business, and personal injury claims made by your employees. In addition, general liability will have limits placed on how much can be paid out for each claim. 

If you’re concerned about your level of coverage, give Barry Insurance Group in Pearland, TX a call today to discuss your policy and how it can be adjusted to fit your needs. We’re here to help you discover the best options available. 

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