Business Insurance

Business Owner’s Insurance Policies

Running a business requires vigilance with respect to managing risk. Business insurance is a form of protection that entrepreneurs buy to help them offset losses associated with negative events occurring during the normal course of business. This kind of insurance guards the business owner against catastrophic losses brought about by property damage, crime and theft, personal injury, legal liability, and general operational risks.

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A business owner’s protection policy (“BOP”) combines many forms of insurance in one policy. BOP is for self-employed individuals who conduct business in some physical space, which is sometimes occupied by customers, employees, or both. Business owners need to evaluate their risk management needs based on realistic expectations of suffering losses across time and purchase the appropriate insurance.

Business insurance works by means of risk transfer, a concept rooted in commerce. Large insurance institutions agree to assume responsibility for a portion of a customer’s financial risks in exchange for a regular stream of premium payments.

Business protection policies incorporate many different forms of insurance into one contract. This does not mean that business owners and managers can’t buy these policies individually. Liability coverage protects against losses from product liability and risks associated with specific hazards of a business operation.

Property insurance protects the premises, equipment, and inventory of a business. Business income insurance covers lost income when business operations are involuntarily suspended. A “key man” insurance policy insures an organization against losses resulting from the unexpected death of essential personnel.

Insurance is a necessity for every business, regardless of size. Insurance protects the “goodwill” and brand equity of ongoing concern and helps to maintain its fiscal health. The right mix of insurance enhances the value of a business making it more salable when the time comes to cash out.

Customers and vendors alike always have more confidence in doing business with an organization that is adequately insured. The many benefits derived from carrying insurance of this type also include the peace of mind that comes from putting aside concerns associated with most operational risks.

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BIG Revelations from

other customers

Customer service was excellent,Jovan knew his products well.
mark dollinger
mark dollinger
Jovani was excellent at helping find insurance at an acceptable price
lilqik
lilqik
Very prompt response to my request for insurance for homeowners and windstorm coverage as well as car insurance. I highly recommend this team!
Kate Linkins
Kate Linkins
The staff at Independent Ins Counselors are very knowledgeable and nice. They found us the best quote/policy for our family. I would definitely recommend them to others !
Rainbeaux Sneaux
Rainbeaux Sneaux
Very nice and helpful staff. Ms. Betty has the most understanding and soothing voice of a loving grandma and thorough explains all you need to know.
Stacey Boyd
Stacey Boyd
Hello yes, I would like to say that jovani who helped me there with my policy and helping me and my husband get a great quote was awesome. He saved us so much money that we are thankful.Were so glad that we switched.Thank you jovani
Elisha Robinson
Elisha Robinson
Have always been helpful and easy to get in contact with.
J Smith
J Smith
They have always been responsive and helpful and gotten me good prices.
David Smoot
David Smoot
Everyone of you keep me taken care of and i appreciate all you do for me
lindia ward
lindia ward
Great insurance company always friendly and helpful
Jeffrey Lewis
Jeffrey Lewis
I have done business with Independent insurance for 30 years and have been served well. They are dependable and will help you in any way they can.
Pam Waters
Pam Waters
Great experience. Amber found me a more comprehensive policy for less money. Followed up with me in a timely manner.
Gerald Enochs
Gerald Enochs
Mike Lansford and the friendly and competent staff at Independent Insurance Counselors in Alvin have been serving our family for over 20 years. Having used them for our homeowners, automobile and health insurance needs, they have helped us deal with issues small (fender benders) and large (Hurricane Ike). Mike has offered us good advice on repeated occasions. He is trustworthy, competent, and customer oriented. Highly recommended!
Mark Mayberry
Mark Mayberry
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(281) 331-3131

302 South Gordon St. | Alvin, TX. 77511