Commercial insurance is something every business should consider. It is not just one type of coverage: several lines can be combined into a policy tailored to your needs. Talking to an insurance agent can help you to access your risk level and determine the right kind of commercial insurance for your particular business. .At Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX, we provide the finest customer service and as independent agents, we offer some top carriers in the business. 

When it comes to commercial insurance, the only requirement by the state of Texas is for commercial auto insurance. Commercial auto insurance is a necessity for any vehicles owned by your business. The required coverage is 30/60/25. What that means is $30,000 for injuries for each person in an accident with up to $60,000 for an individual accident. $25,000 coverage for damage to property. Many personal auto insurance policies will not pay for an accident that happens while on business use. 

Texas does not require employers to have workers’ compensation coverage but that doesn’t mean that it is a good idea not to have it. Workers’ Compensation is good for employees and employers, and it is worth considering for every business. 

Two other types of commercial insurance are also essential to the health of your business even though they are not required by the state of Texas, Commercial property and liability insurance. 

• Commercial property insurance protects your business location from damage from a covered peril. It covers more than the building it covers the things you need to do business like machinery, equipment, electronics, and inventory. 
• Commercial liability covers you from legal action against your business from customers, clients, and even employees. It also covers legal expenses to defend your business. 

 Contact Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX for all your commercial insurance needs.