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San Antonio is home to a number of businesses that need the best
commercial insurance possible to protect them from the many perils prevalent in Central Texas and the Edwards Plateau. While it is true that basic and broad form commercial insurance will protect San Antonio businesses from standard perils, both the unique nature of San Antonio’s economy and its geography within the state often subject companies to uncommon perils that may not be covered by basic or broad form policies.
For this reason, Texas Auto Home Insurance recommends to all San Antonio commercial entities that they invest in a special form policy. Our experience has taught us that special form insurance will give virtually any San Antonio business every possible legal and ethical point of coverage for an investment that offers far greater returns than the alternatives if a claim ever needs to be filed.
Special form commercial insurance is so named because it allows the insurance agent to anticipate uncommon perils that can cause certain types of San Antonio businesses uniquely devastating losses. Any number of perils can severely impact certain types of industries in this part of Texas. The following examples of individual benefits we can offer through special form commercial insurance that will help specific types of San Antonio businesses.
MANUFACTURING COMPANIES
Manufacturers have to insure their equipment against fire, accidental vehicle collisions, and water damage. However, many of these insurance policies will not protect against liability claims filed by workers who might be injured by a piece of faulty equipment. A separate policy has to be written to address this contingency.
Having two policies often costs more time and money than having only one. With special form commercial insurance, a San Antonio manufacturer can protect both equipment and personnel against unusual incidents resulting from damage or harm, all covered under a single, clearly stated policy.
WHOLESALERS AND RETAILERS
Many of these businesses own their own warehouses and require more than basic insurance to cover their inventory and to protect the building against structural damage. Certain perils such as sprinkler links, glass breakage, or partial roof collapse can create a mess for claims adjusters to sort out in terms of itemizing what damages were cause by which perils that may or may not be included in a basic or broad form policy.
Special form commercial insurance allows San Antonio wholesalers and retailers to itemize unique features of the facility and to itemize the details of its contents. Such a policy can specify both likely and unlikely perils that need to be covered and therefore give a San Antonio wholesaler the maximum and most affordable protection possible.
This results in faster recovery time and more seamless processing of claim in the event that building and product damage do somehow occur simultaneously.
ELECTRICIANS
San Antonio electrical contractors find themselves needing to be experts in many facets of electrically work due to the diversity of San Antonio’s architecture. In most cases, the electrician holds a business license and may only be covered as a technician, not a business owner.
Texas Auto Home will provide special form insurance to San Antonio electricians that will protect the both the business license and the technician that holds that license.
A Master Electrician in San Antonio is eligible to perform more tasks than basic residential appliance installation or electrical apprentice work. Here again, Texas Auto Home covers all applicable tasks with special form coverage that indemnifies all services rendered by the Master Electrician
In certain cases as well, an electrical contractor’s vehicle may be rated “high-risk” due to its proximity to job sites such as airports or communications facilities. In such circumstances it is necessary to hold proper commercial vehicle insurance to cover all risks involved.
BUILDING CONTRACTORS
San Antonio building contractors comprise the entire spectrum of contracting. Electricians, Plumbers, Roofers, Carpenters, Sheetrock Installers, Landscapers, Carpet Installers, Tile Installers, Flooring Installers represent just a few types of contractors we insure..
In almost every situation, many of these contractors perform tasks that overlap into other disciplines or areas of specialization. This is vital to teamwork, but it can be very complicated from an insurance perspective the contractor only holds a basic or broad form policy.
To protect against all possible contingencies San Antonio building contractors may face, special form insurance is custom written to the details of the job.
For three decades now, Texas Auto Home has combined affordable rates with the maximum possible coverages for our commercial and residential clients. We offer services to Fort Worth, Texas; San Antonio, Texas; San Antonio, Texas; Dallas, and Houston, Texas and expand outward from these points into every mid-sized city and small community of our Great State.
Every quote we issue is risk free, obligation free, and completely confidential.
Use our simple online form to get started right now, or call us toll free at
1-866-663-5262.
