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Insurance Upgrades When Expanding Your Business

Expanding your place of business may require temporary or permanent commercial insurance upgrades. Assess the expansion project. This will help you determine which type of coverage to add to your existing insurance policy.

Material Coverage

Your commercial insurance policy should cover raw materials used during the expansion project. Machinery, tools, and human error could damage the materials while the project is underway.

If you have adequate coverage for the materials, you can acquire replacement materials if an accident occurs.

Equipment Coverage

If you decide to perform many of the upgrades yourself, you may want to protect the equipment used throughout the expansion project.

You should add any valuable items, including power machines, vehicles, and other high-tech items, to your existing insurance policy. 

Liability Coverage

Increased liability coverage will protect against injuries that occur while the expansion project is underway. Before you acquire this type of coverage, inspect the premises where the project will take place. This type of inspection should be conducted professionally.

The inspection results will determine the worksite’s danger. After reviewing the results, choose the amount of liability protection you need to add to your existing insurance policy.

Insurance Terms

Once you have chosen the insurance upgrades you want to include in your commercial insurance policy, decide how long you will maintain the coverage.

Some of the coverage may only be needed while the expansion project is active. Take note of the upgrades that you will only need temporarily.

Contact Armadillo Insurance Agency

Our agents at Armadillo Insurance Agency will add the upgraded types of coverage to your existing insurance policy. Schedule an appointment to speak with a representative who serves Austin, TX.

Does Commercial Insurance Cover Your Business Only In a Strip Plaza?

If you own a brick-and-mortar business inside a strip mall, you’ll need individual commercial insurance to protect your particular space and inventory. A strip plaza will carry its own insurance to protect the owner or owning company against liability and loss as a result of covered risks. If you would like to learn more about commercial insurance for your strip mall business, you can count on the professionals at Armadillo Insurance Agency to serve the residents in and around the Austin, TX area.

Commercial Insurance Coverage 

Commercial insurance coverage is essential for any business. If you own a business in a strip plaza, you’ll need your insurance to protect your business interests. If you would like to learn more about the available policy options, our insurance agents can help. We carefully assess your current and potential future needs and meet you with policies that will meet those needs. Additionally, we can assist with the submission of information and documentation to secure your coverage immediately. We strive to provide high-quality insurance products and customer service throughout the life of your policy. If you have any changes or claims, we are here to help.

Contact Us Today 

If you would like to learn more about the range of insurance products we provide to the residents in and around the Austin, TX area, please don’t hesitate to contact us today. Please call or stop by our office to schedule an appointment with one of our insurance agents to discuss your options. Please don’t guess when it comes to your commercial insurance coverage because it can lead to losses associated with business risk. Our team at Armadillo Insurance Agency looks forward to working with you.

What does workers’ compensation insurance cover?

Workers’ compensation insurance from Armadillo Insurance Agency is a form of insurance that provides protection for employers and employees in the event of an injury or illness suffered as a result of work. It covers medical expenses, lost wages due to an inability to work, and other losses related to the injury or illness here in the Austin, TX area.

Additionally, it can also provide death benefits for families of workers who die due to an injury or illness suffered in the workplace. With workers’ compensation insurance, employers are protected from lawsuits resulting from work-related injuries and illnesses, and employees can be compensated for losses suffered as a result of their work. 

Workers’ compensation insurance typically covers medical costs associated with a workplace injury or illness, such as doctor’s visits, hospital stays, prescription medications, and physical therapy. It may also provide benefits for lost wages due to an inability to work or death benefits to the families of workers who died as a result of their job. In some cases, it can cover vocational counseling and retraining fees if an employee is unable to return to work due to an injury or illness. 

In most states, employers are required to carry workers’ compensation insurance in order to provide these types of benefits to their employees. The details of coverage may vary by state, but the basic concept remains the same: employers are responsible for providing financial protection to their employees if they’re hurt or become ill on the job.

Reach Out To Us!

For more information or to find a policy that meets both your needs and your budget, give us at Armadillo Insurance Agency a call today. We proudly serve the Austin, TX area and would be glad to help you protect your business and your employees.

What Is the Difference Between General Liability and Product Liability Insurance?

If you are in the process of shopping for insurance, you may have come across the terms “general liability” and “product liability.” But what exactly do these terms mean? And more importantly, do you need both types of coverage?

Consult with our team at Armadillo Insurance Agency in Austin, TX when you are ready to purchase this important coverage. 

Here are the differences between general liability and product liability insurance:

General Liability Insurance

General liability insurance is a type of policy that provides protection against claims arising from your business operations. This can include injuries that occur on your premises, damage to property, advertising injuries, and more.

If you are sued by someone who alleges that your business was responsible for their injury or damages, general liability insurance can help cover the costs of legal defense and any resulting settlement or judgment.

Product Liability Insurance

Product liability insurance is a type of coverage that protects your business against claims alleging that your products caused injury or damage. If you manufacture, distribute, or sell products, this type of insurance can help protect you in the event that one of your products injures someone or damages their property.

Product liability claims can be very costly, so it’s important to make sure that you have this type of coverage in place if you sell products.

Get Insurance Coverage for Your Business Today

Both general liability and product liability insurance are important types of coverage for businesses. Which one you need will depend on the nature of your business and the products you sell. If you have any questions about which type of coverage is right for you, our team at Armadillo Insurance Agency in Austin, TX can help. Give us a call and we’ll be happy to walk you through your options and help you get the coverage you need.

What to Look for in a Good Commercial Insurance Policy

Anyone who owns a business knows that commercial insurance is a necessity. But with so many different types of coverage available, it can be difficult to know what to look for in a good policy. Armadillo Insurance Agency in Austin, TX offers you this guide to explore some of the key features to look for when choosing commercial insurance for your business. 

What to Look for in a Good Commercial Insurance Policy

1. The Deductible

The first thing to look for in a good commercial insurance policy is a low deductible. The deductible is the sum of money you must pay before your insurance company begins to pay out on a claim. A low deductible means that you won’t have to pay as much money out of pocket if something happens to your business.

2. Coverage Limits

Another important thing to look for in a good commercial insurance policy is high coverage limits. Coverage limits are the maximum amount of money that your insurance company will pay out if you have a claim. Having high coverage limits means that you’ll be covered in the event of a major accident or disaster.

3. Covered Perils

When choosing commercial insurance, you’ll also want to make sure that the policy covers the types of perils that are most likely to occur in your business. Perils are the events or conditions that can cause damage to your property. Common covered perils include fire, theft, and wind damage. However, it’s important to note that different commercial insurance policies cover different perils. For example, product liability insurance will only cover damage caused by your products. It does not cover professional liability.

Now that you know what to look for in a good commercial insurance policy, it’s time to start shopping around! Armadillo Insurance Agency is a great option for businesses in Austin, TX. We offer competitive rates and comprehensive coverage. Contact us today to get started.


What You Need to Know About Commercial Insurance

As a business owner, you have invested both time and money in your company. One of the best ways to protect these investments is through a solid commercial insurance plan. The professionals at Armadillo Insurance Agency can help you better understand how this insurance product benefits business owners in Austin, TX and the surrounding areas. 

What Is Commercial Insurance?

Commercial insurance is a unique insurance product designed to meet the needs of business owners. There are many layers to the day-to-day operation of your business and each layer needs its own unique type of protection. Getting an individual policy for different aspects of your business can be both expensive and confusing. A commercial insurance policy will bundle together all of the types of coverage you need to protect your company and assets. 

What Does Commercial Insurance Provide?

Because each company is different, commercial policies can be customized to suit your particular needs, but in general, a commercial policy will cover the following areas:

  • Auto- If your business uses vehicles, you will want quality auto insurance to protect both vehicles and drivers. 
  • Property Damage- If you run a brick and mortar establishment you will need property damage coverage in the event that your property or equipment is damaged.
  • Liability Coverage- Business owners face a high risk of liability from both employees and customers. Liability coverage will pay for any expenses resulting from a liability situation. 

If you would like to learn more about commercial insurance, or if you would like to discuss any of our other insurance services, please contact us at Armadillo Insurance Agency, serving Austin, TX, and the surrounding areas. 

How Commercial Insurance Can Protect an Austin Business

If you are in the Austin, TX area, you likely continue to notice an increase in population and a strong local economy. While these factors can make it a great place to live, Austin is also a great place for someone to start a business. If you are going to start a business in Austin, or anywhere else, you need to make sure that you are protecting it as well as possible. For those that are in Austin, one of the best ways to do this is by getting a commercial insurance policy as it can protect a business in many ways. 

Ensures Liability Risk is Covered

One way that a commercial insurance policy can protect a company is by making sure that liability risk is covered. No matter what your business does or sells, you will always have some level of liability risk. If you are sued for liability, you will want to make sure that you have proper coverage in place. A commercial insurance will give you the liability coverage you need.

Protects Assets

Starting a business requires you to invest capital to acquire assets. If these assets are ever damaged or destroyed, it could be bad for your company. A full commercial insurance policy will protect your assets in these situations. 

When you want to protect your Austin, TX area business, getting a commercial insurance policy is one of the best things that you can do. Since there are a lot of complexities that come with choosing this form of insurance policy, you should reach out to the team at Armadillo Insurance Agency as soon as you can. The insurance professionals at Armadillo Insurance Agency can help you to better assess your business risks and get into a policy that mitigates these as well as possible.