Business Insurance

Auto Dealers – If you’re an auto dealer, you have obvious tremendous risks. While all auto dealers have an extravagant showroom and spacious lot with an extensive inventory, your dealership is still unique and requires specialized coverage.

A comprehensive auto dealers insurance policy can include the following coverages:

• Property damage and bodily injury
• Garage keepers
• Garage-owned autos 
• Hired autos
• Non-owned autos
• Temporary substitute autos
• Newly acquired autos

At Comaltex Insurance Agency, we also offer optional coverages, including defective product and faulty work as well as customer auto loss coverage.

Business Liability -- When it comes to business insurance, business liability is the first concern for many. The last thing you need is to be faced with a customer lawsuit that can be devastating. A carefully crafted policy can shield your business from dangerous perils.

Our business liability insurance policies provide coverage for:

• Personal Liability
• Business Liability
• Professional Liability
• Public Liability

Optional coverages that can be provided include bodily injury, property damage, and personal injury. Contact us today for further details.

Commercial Property Insurance -- Small business property insurance is one of the easiest ways to ensure the future of your business. When you’re unsure if you need commercial property insurance, consider the following coverages with our comprehensive policies:

• Your building
• Your outdoor sign
• Your furniture and equipment
• Your inventory
• Your fence and landscaping
• Others’ property

We know that you assume numerous risks and that your business is unique. Our agents are experts at protecting your business and can help you create a policy to provide maximum coverage for your investment.

Contractors Insurance -- Contractors can reap many benefits with a winning bid. But at the same time, a job site can lead to a major financial loss with adequate insurance coverage. At Comaltex Insurance Agency, we offer a wide range of policies from the very basic to a thorough mix of coverages based on your specific needs.

Specific coverage areas that need to be addressed in your contractors insurance include:

• Property in transit
• Workers’ Compensation
• Trucks and other commercial vehicles
• Errors and omissions

Don’t put your job and company at risk. Contact us today for specialized coverage for your contractor work.

Cyber Liability -- An extremely important concern for businesses today is that of cyber liability. We make cyber liability insurance easily accessible and affordable for businesses, non-profit organizations, and retailers. We live in a data-reliant world, and the need for data protection and safety is of paramount importance since cyberattacks can be not only crippling but devastating.

We can help protect your business or organization against damage to your electronic data, virus or malware attack, third-party liability, and more.

We can also help you recover the cost of:

• Restoring and recreating data to your system
• Restoring systems to pre-attack levels
• Lost business and unforeseen expenses
• Public relations services to communicate with outside parties

E & O Insurance – As a business owner, what do you do if one of your employees makes a mistake that results in a client refusing to pay for services or even suing you for damages? Our errors and omissions insurance gives you specialized liability protections against these losses not covered by traditional insurance policies. These policies cover the business owner, salaried and hourly employees, and subcontractors working for the business. These can also be customized to meet your unique needs, regardless of your business or industry.

Farm and Ranch Insurance – If you live on a farm or ranch, you have a completely different set of needs and liabilities than the traditional homeowner. Our staff is farm insurance experts and can make sure your farm operation stays insured with adequate coverage.

Basic policies provide coverage for homes, buildings, machinery, equipment, and livestock. We can also customize a policy to meet your unique needs, including the following:

• Disruption of farming operations
• Identity fraud expense coverage
• Earthquake coverage
• Farm machinery and equipment replacement
• Peak season coverage endorsement
• Sewer/sump pump backup
• Temperature-sensitive endorsement
• Household property protection

Group Health Insurance – Finding adequate, affordable health insurance for employee groups is a necessity for most business owners today. And whether you're just starting out or own a small business with multiple employees, you're going to need help finding and securing health coverage. At Comaltex Insurance Agency, we’re proud to offer quality health plans for the self-employed as well as business owners. Our policies protect you in the following ways:

• Discounted rates for medical care
• Spares you unexpected medical costs
• Protects your ability to work
• Improves access to quality care
• Encourages a healthier lifestyle
• Shields your business from personal medical costs
• Hire and retain great workers

We offer HMO and PPO plans for individuals, families, small businesses, and groups. Contact us today to learn more about our group health insurance options.

Landlord Liability – Being a property owner has its own unique set of risks. If you’re a landlord found liable for someone injured on your property, you can stand to suffer a substantial financial loss. At Comaltex Insurance Agency, we offer landlord liability insurance that can help protect you in a number of circumstances. Landlord liability coverage can help pay for medical expenses for tenant injuries, legal defense, court judgments, and more.

Landlord liability coverage may include:

• Tenant injuries
• Proper security for your tenants
• Unlawful behavior by tenants
• General Liability
• Fair Rental Value Coverage
• Inflation Protection
• Personal Injury Protection
• Lock replacement

When you have liability concerns as a landlord, contact us for the adequate insurance coverage you need.

Liquor Liability -- A true element of risk exists for anyone that owns a business that serves alcohol at their location or at a special event. Our liquor liability insurance policies can protect you from potential loss or damage as the result of a patron becoming intoxicated and injuring themselves or others.

While liquor liability laws vary from state to state, vendors of alcoholic beverages can be held highly responsible for damage under liquor liability laws. Don’t put yourself at risk by having no or inadequate liquor liability insurance. Contact us today to learn more about we can fully protect your business.

Restaurant Insurance – Running a restaurant can be challenging enough without having to worry about things like food spoilage, fire damage, employee injuries, customer injuries, etc. When you want to be able to focus on your everyday business without having to think about the risks you face, contact our reliable team at Comaltex Insurance Agency.

We offer insurance to cover all foodservice businesses, including:

• Bar Insurance
• Café Insurance
• Cafeteria Insurance
• Catering Insurance
• Diner Insurance
• Deli Insurance
• Food Delivery Insurance
• Fast Food Insurance
• Pizza Restaurant Insurance
• Lounge Insurance

The three important areas when making a solid restaurant insurance plan include coverages for a business owner's policy, workers’ compensation insurance, and business crime insurance. Contact us today and let us craft a customized policy for adequate insurance for your restaurant.

Workers’ Compensation Insurance -- Every business owner should be concerned about keeping their employees safe while on the job. Workers’ compensation policies provide coverage for medical costs as well as a portion of lost wages when an employee is injured or falls sick on the job. Our policies can help your employee get back to work as quickly as possible, minimizing the damage to your business.

Workers’ comp policies can also protect you from being sued by your employees. These policies may also cover:

• Medical bills for employees hurt or sickened at work
• Ongoing care, including rehabilitation
• Wages missed while recovering
• Employee lawsuits over injuries
• Funeral expenses if an employee is killed on the job
• Death benefits to support the deceased's family

Contact us today and let us craft a workers’ compensation insurance policy perfect for your business.