Month: August 2025

Why Do Small Business Owners Need Commercial Insurance?

Posted on by agentinsure

Commercial Insurance for Small Businesses

For small business owners in Texas, having the right insurance coverage is essential. While some types of small businesses may not require coverage, many others can benefit significantly from commercial insurance. If you have questions about commercial insurance for your small business, contact Southwest Insurance Center in Austin, TX, for the latest information and guidance.

Benefits of Commercial Insurance

Property and liability coverage are two critical areas to consider as a small business owner. When you speak with one of our agents, we can help you determine the best coverage options for your business. The primary goal of commercial insurance is to protect your assets, which can be financially impacted in the event of property damage or liability claims, such as lawsuits stemming from bodily harm.

If your business involves direct interaction with customers, whether at their residence or your place of business, commercial insurance can protect you from claims related to accidents, such as a customer slipping and falling and sustaining an injury.

Commercial insurance also covers unexpected events involving your property, such as damage to equipment used for your business in the event of a disaster like a fire. Additionally, it provides protection in cases of theft of business assets.

While Texas does not mandate private business owners to carry workers’ compensation insurance, it is highly recommended. Without it, you may be held liable if an employee is injured on the job.

In today’s digital age, cybersecurity is a growing concern for businesses. If cybercriminals compromise your small business accounts, consider adding cyber insurance to your policy for added protection.

Contact Our Agents

At Southwest Insurance Center, we are dedicated to helping Austin, TX, commercial businesses find the right type and amount of insurance coverage to ensure proper protection and safe operations. Contact us today by phone, email, or through our online form to request a quote.

Home Insurance and Natural Disasters: What’s Covered and What’s Not

Posted on by agentinsure

Living in Austin, TX means enjoying sunny skies and beautiful landscapes—but it also means preparing for the unexpected. At Southwest Insurance Center, we understand how confusing it can be to figure out what your home insurance policy actually covers when it comes to natural disasters. Let’s break it down together.

What’s Typically Covered

Most standard home insurance policies cover damage from windstorms, hail, fire, lightning, and even the weight of ice or snow. For example, if a tree falls on your roof during a storm, you’re likely protected. These events are considered sudden and accidental, which is exactly what your insurance is designed for. Additionally, your policy typically covers temporary living expenses if your home becomes uninhabitable due to a covered event.

What’s Often Not Covered

Here’s where things can get tricky. Flood damage? Not covered under most standard policies. Earthquakes? Also not included. These types of disasters usually require separate policies or add-ons. While wildfires are generally covered, the increasing severity of fire seasons makes it essential to double-check the fine print of your policy.

Why It Matters

Natural disasters don’t wait until you’re ready. That’s why understanding what your policy includes—and what it doesn’t—is so important. Too often, homeowners assume they’re fully covered, only to discover after the fact that they’re facing significant out-of-pocket costs.

At Southwest Insurance Center in Austin, TX, we’re here to help you make sense of your coverage and fill in any gaps before disaster strikes. Reach out to our team today for a personalized review of your home insurance policy—you’ll sleep better knowing your home is truly protected.