As an Independent Insurance Agency we represent many insurance companies to fit your businesses dynamic needs.  Whether you're a new business or a small business, we can help.   Being an Independent Agent means we are not only your agent, but we are your insurance broker as well.  We understand every business and industry is unique, so we will work with you to find the best business insurance coverage at the lowest rate. Contact us today for a free quote. 

Below are just a few of the coverage options we offer: 

General Liability Insurance

Businesses may be held liable for injuries or losses (to the general public) caused by the businesses negligence or fault.  This could be someone coming in and slipping and falling or could also be the result of a product malfunctioning and causing injury to the end user.  General liability Insurance protects the business against such claims.  

Commercial Property Insurance

Commercial property insurance helps businesses pay to repair or replace buildings, structures, and contents that are damaged, destroyed, or lost because of fires, storms, thefts, or other events outlined in the policy.Business owners can buy commercial property insurance whether they own, rent, or lease a building. If you rent or lease a building, the building owner’s policy probably won’t cover the contents of the building that belong to you. You will need to buy your own policy to insure your on-premises property, including machinery, furniture, and merchandise. The cost of tenant coverage is usually significantly less than building coverage because the policy will only cover contents, not the building itself.

Commercial property policies provide either “replacement cost” coverage, “actual cash value” coverage, or a combination of both. Replacement cost coverage will pay to replace your property with new property of like kind and quality, up to the policy’s dollar limit. An actual cash value policy will pay the replacement cost of the property minus depreciation due to age and normal wear and tear. Although replacement cost coverage is more expensive than actual cash value coverage, it might better ensure that your business fully recovers after a significant loss.

Commercial property policies in Texas generally fall into one of three categories:

• Basic form policies typically cover common risks or perils, such as damage from fire, lightning, windstorm, vehicles, aircraft, or civil commotion.
• Broad form policies typically provide basic form coverage plus coverage for additional perils, such as water damage, structural collapse, sprinkler leakage, and losses caused by ice, sleet, or weight of snow.
• Special form policies cover against all types of losses except those the policy specifically excludes. Common special form exclusions include losses from flood, earth movement, war, terrorism, nuclear disaster, wear and tear, and insects and vermin.

For more detailed information on Commercial Property Insurance, you can go to: 
http://www.tdi.state.tx.us/pubs/consumer/cb021.html

Workers Compensation

Employers often buy workers compensation insurance to pay medical and income benefits to workers who have work-related injuries or illnesses. This type of insurance protects workers by assuring that they are compensated for their injuries, but it also is beneficial to employers. In addition to relieving them of liability for claims, workers compensation gives employers certain legal protections, including immunity from most employee injury lawsuits.

Workers receive benefits based on the type and severity of their injuries. Benefits can include

• Lifetime medical benefits for necessary treatment of compensable injuries and illnesses
• Disability income benefits for a specified period of time and up to dollar limits set by law
• Limited funeral expenses for workers killed on the job
• Death benefits for surviving dependents of workers killed on the job

Benefits are not payable for injuries that

• Are intentional or self-inflicted
• Result from the employee’s horseplay or voluntary intoxication (either alcohol or drug-induced)
• Arise from voluntary participation in off-duty recreational, social, or sports events
• Result from “acts of God,” unless a person’s job exposes him or her to a greater than ordinary risk of injury from such acts
• Are inflicted by someone else for personal reasons unrelated to employment

Please note that completion of the following request for information does not constitute the purchase of insurance.  No coverage may be added, changed or bound as a result of submitting this request for information or quotation of insurance.  

Website Disclaimer
Please note that completion of the following request for information does not constitute the purchase of insurance.  No coverage may be added, changed or bound as a result of submitting this request for information or quotation of insurance.  All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company.  Strive Insurance Group, Inc. is licensed in the state of Texas, Missouri, and California.  No solicitation of insurance is being made outside these states. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.