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    Misty Emmons Insurance Agency

    2402 Nall St, Port Neches, TX 77651

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    P: 409-722-8189

    mistyemmons224@gmail.com

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    8AM - 5PM

    Monday to Friday

Insurance

Running a business can be exciting and rewarding, but also comes with risks. A natural consequence of doing business is the potential for many types of loss and liability, including the destruction of business assets, theft or vandalism, or the injury of a worker on the job. To protect yourself against these events, it's important to carry adequate and appropriate business insurance. Misty Emmons Insurance Agency can do just that. Contact us to help you with your business insurance needs.

Types of Business Insurance

To be fully protected from a variety of different possibilities, a business owner should be sure to have appropriate levels of several types of insurance, including property insurance, liability insurance, and worker's compensation insurance.

Property Insurance

Property damage is an unfortunate reality for business owners. Different types of insurance policies can reimburse business owners for damage to business assets and property, including total loss due to fire. There are also more specialized types of business property insurance, including coverage for boilers, machinery, and other equipment. Business owners can also purchase insurance policies to cover glass so that they are reimbursed for any broken store windows. It's also a good idea for business owners to maintain a crime insurance policy to recover in the event of theft, burglary, or robbery.

Liability Insurance

It is also critical for businesses to carry an adequate level of liability insurance to protect the business from liability to third parties. For example, if you own a store and a customer is injured by falling while shopping, you could be faced with a personal injury lawsuit. If you are not adequately insured, the cost of defending yourself could be devastating for your business.

Workers' Compensation Insurance

Employers purchase workers' compensation insurance so that they are protected against illnesses and injuries that their employees suffer while on the job. Workers' compensation insurance is state-mandated, and each state has its own workers compensation insurance program. Workers' compensation insurance covers the injured worker's expenses, including:

Medical care

Replacement income

Costs for retraining

Compensation for permanent injury

Benefits to survivors of a worker killed on the job

Notably, workers' compensation benefits do not include pain and suffering. Also, by accepting workers' compensation benefits, a worker cannot sue the employer for the injury or illness.

Other Types of Business Insurance

Depending on the nature of your business, there are other available types of business insurance that you may want to purchase. These include:

Errors and Omissions: This type of policy covers inadvertent mistakes or failures that cause injury to a third party.

Malpractice Insurance: If your business is of a professional, medical, or legal nature, malpractice insurance will protect you if an employee's conduct falls below your profession's standard of care.

Automobile Insurance: If your business has company cars, trucks, or vans, you'll want to be sure to have adequate car insurance policies to protect yourself and the business from accidents, theft, and damage. GET A QUOTE

For more information - Call 409-722-8189 or - you can email at This email address is being protected from spambots. You need JavaScript enabled to view it.

 

What to do if you have a claim

 

  • Promptly notify your Agent of a loss or incident.
  • Any incident involving bodily injury report immediately
  • Take photographs that show the location of the incident
  • All crime claims should be reported directly to your agent
  • Refer contact or communication from an attorney or private investigator to your insurance company
  • Always get the name, address and phone number of the claimant 

My agency succeeds because we have a mission: We serve our clients in the way we'd like to be treated. We don't just provide a piece of paper, we provide indemnity. Listening to, learning about, and finding the very best value for our customers right from the start of our relationship. We are always here for our clients. My main job is not to manage my insurance business but to make sure my insured have a clear understanding of their coverages and costs!

testimonial

Misty Emmons

Owner of Misty Emmons Insurance Agency