Business & Commercial Insurance in El Paso, Anthony & Socorro, TX

Commercial insurance policies can be part of a company’s risk management plan. At Pan American Insurance, we help company owners find business insurance policies that align with their organizations’ needs.

What Does It Include?

A commercial insurance package may include the following policies:

• General liability insurance may cover third-party property damage, bodily injury or advertising injury claims.

• Business interruption insurance may be helpful in case a covered risk forces you to close your business temporarily.

• Workers’ compensation insurance may cover employees’ medical expenses and your legal expenses in case of a work-related incident causing illness or injury.

• Commercial property insurance may cover damage to your office, storefront, furniture and inventory.

• Commercial auto insurance may help cover your liability for third-party vehicle-related injuries and property damage. It may also cover damage to company-owned vehicles caused by accidents, theft, fires, vandalism or certain natural disasters.

• Errors & omissions insurance may cover claims of mistakes, negligence or failure to provide service made by a customer against your business.

• Cyber insurance may help cover expenses caused by a data breach or cyberattack.

How Much Coverage Does My Business Need?

The amount of coverage that your business needs may depend on state laws and contractual obligations. In Texas, you must carry workers’ compensation insurance if you have contracts with government entities. Some landlords may also ask for proof of a commercial property policy if leasing an office space.

How Much Do Policies Cost?

When evaluating your business for a quote, your insurer may consider the following factors:

• Location

• Industry

• Business-owned assets (e.g., property, equipment, furniture, vehicles, etc.)

• Number of employees

• Prior claims

• Policy specifics (e.g., deductibles, coverage limits)

Get Covered Today

Contact Pan American Insurance to learn about our business insurance offerings or request a personalized quote.