Business Insurance

A Business Owner's Policy bundles general liability and commercial property into one policy, and for a lot of businesses with a location, equipment, or inventory, it's a solid starting point. Where it usually stops is professional services, employee injuries, cyber exposure, and vehicles used for work. When we sit down with a business owner, we go through what the business actually does day to day, because that's what tells us what falls outside the BOP and needs its own conversation.

General liability handles third-party claims of bodily injury or property damage from your operations, products, or employees, plus legal defense even on claims without merit. It doesn't cover damage to your own property, employee injuries, or mistakes in advice or services you provide. If what you do involves giving advice, designing something, or delivering a service where an error could cost a client money, that's a professional liability conversation, and we'll flag that for you specifically.

We talk through this with every business owner who has employees, because the decision has real tradeoffs either way. Texas is the only state that doesn't require most private employers to carry it, but going without it can mean an injured employee can sue you directly and you lose certain legal protections you'd otherwise have. Plenty of contracts, especially larger clients or government work, require proof of coverage regardless. We're not attorneys, so for the legal side we'll point you toward that conversation too, but on the insurance side, we can lay out what coverage would cost and what it would do for you.

We ask one question: if something you delivered, advice, a design, a report, a service, turned out to be wrong, could that cost your client money even without anyone getting hurt or property getting damaged? If the answer is yes, that's professional liability, also called E&O, and general liability won't respond to that kind of claim. We see this most with consultants, designers, and tech or service providers, but really it comes down to what you do, not your industry label.

We can talk through cyber coverage options based on what your business handles, customer payment data, personal records, anything stored digitally that a breach could expose. Standard general liability and BOP policies generally exclude cyber incidents entirely, so if your business has any digital footprint, this is worth a conversation. We'll help you think through what a breach would actually mean for your business, notification costs, legal fees, downtime, before deciding whether a policy makes sense.

Yes, we'd recommend that conversation. Personal auto policies often limit or exclude coverage once a vehicle is used for work, hauling equipment, job site visits, deliveries, even if it's occasional and the policy doesn't spell that out clearly. Commercial auto is built for that, and can even extend to vehicles the business doesn't own, like an employee's car on a work errand. If a vehicle plays any role in how your business operates, let's confirm what's actually covered rather than assume.

We go through it with you line by line: your industry and its typical risks, the value of your property and equipment, revenue and payroll numbers that affect liability limits, any contracts that require specific coverage, and recent changes like a new location, new equipment, or new services. Most coverage gaps in business insurance get discovered at claim time, which is the worst possible moment, so our goal with a review is to find those gaps before that happens, whether you're operating in DFW or anywhere across Texas.

Yes. Commercial Umbrella adds a layer of liability protection above your primary Business Owner's Policy, General Liability, and Commercial Auto limits. It isn't sold as a stand-alone policy, it's built alongside your existing Farmers business coverage, so we'll look at your full picture together before recommending it.

Many business owners find the two conversations naturally go together, since a business often depends heavily on the person running it. We break down why this matters and what to consider in our article, Business Insurance Protects the Company. Who Protects You?