Benpapa Insurance can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you’ll see on the bottom line.

Coverage for office workers using their own vehicles on company business is often needed as well. If you have employees, it is critical that you consider workers comp coverage.

What You Need to Know

Some workers comp coverage can include:

• Innovative payment systems
• Medical disability case managers
• Utilization management nurses
• Certified life care planning nurses
• Vocational rehabilitation consultants
• Physician consulting services
• Legal staff
• Contracts with medical network providers
• Managed prescription drug program

To find out more about Texas workers comp insurance and other business insurance products and services, contact us today.

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Commercial Property Insurance Quotes

Commercial property policies aren’t standardized in Texas. This means coverage and policy terms can vary and look quite different by insurance company and by individual policy. If a policy doesn’t provide all the coverage you need, you can usually add supplemental insurance or find a better match through a different provider. Don’t let this process stress you out; let us help you with the selection process by providing you with our available commercial property insurance quotes.

Typical Commercial Property Insurance Coverages

As you might guess with commercial property insurance, there are many different kinds of commercial property policies that offer a wide range of coverage options to cater to each industry. Below is a short list of some of these coverages. If you don’t see a coverage option that addresses your needs specifically, that doesn’t mean we won’t have a commercial property insurance plan for you.

• Building occupied by the insured coverage insures a building you regularly use but don’t own, like an office that operates in a building owned by someone else.
• Newly acquired or constructed buildings coverage insures a new building if you add it to your policy within a certain amount of time. Commercial property policies usually only cover buildings named in the policy.
• Employees’ personal property coverage insures your employees’ personal property if the property is on your premises. Generally, you must buy this coverage as an additional coverage option if you need more than a limited amount.
• Off-premises property coverage covers your property located somewhere other than your business’s premises. This comes in handy for businesses with equipment that travels off site to do work.
• Business interruption coverage pays for the income you’d lose if your business is damaged and you can’t perform your normal business operations, resulting is lost income.
• Extra expense coverage pays any additional costs to return your business to normal after it’s damaged.
• Valuable papers coverage provides limited coverage for your business records and other valuable papers. You might be able to increase the coverage amount with an endorsement.
• Ordinance or law coverage pays additional costs to repair or rebuild a facility up to current building codes after it’s damaged. Many policies provide limited ordinance coverage, but you can increase the coverage with an endorsement.

Call Us About Commercial Property Insurance

Call the Benpapa Insurance today to learn more about the coverage options for your business. We can identify the best combination of coverage options to ensure you and your business are protected. We can help make sure your Texas commercial property insurance meets your specific needs. Call  972-542-8486 today to get started.

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Commercial Auto Insurance Quotes

Commercial vehicle insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. Whether it’s transporting goods or people for a fee, using your vehicle to conduct a service, or employees operating a vehicle, you may need a commercial auto policy. Knowing the difference between a personal auto insurance policy and a commercial auto policy, and knowing which you need, is important for your business. This type of commercial auto insurance covers a variety of vehicles. You may also have heard of this coverage referred to as commercial car insurance, truck insurance, or fleet insurance. It all depends on your industry, but no matter what, we’ve got you covered.

High-Risk Commercial Auto Insurance

If you’re a commercial driver, auto insurance isn’t optional. You need coverage in order to protect yourself and everyone else on the road in case of an accident. Unfortunately, many insurance providers view commercial drivers as high-risk, and refuse them coverage. If you’re having trouble finding the insurance you need, contact Benpapa Insurance. We’ll review your case and find a workable solution.

Our high-risk commercial auto insurance will cover all accidents and roadside incidents. Whether you’re a trucking business, taxi service, or repossession company, we can help. We’ll provide a quote regardless of your previous claims history. We’re willing to insure anyone, and will work out a partnership that benefits us both. Give us a call today and discover how we can work with you!

Progressive Commercial Auto Insurance

Finding the right commercial automotive insurance for your ever-changing needs is a challenging task. There is an immense variety of insurance providers currently on the market, and each one makes its own promises. Unfortunately, few can deliver on those promises. Progressive, on the other hand, has a well-earned reputation. In fact, Progressive is the number one commercial auto insurance provider in the country. Drivers such as yourself who choose to work with Progressive enjoy numerous benefits such as those listed below:

•         Customizable coverage
•         Competitive rates
•         Discounts
•         Exceptional claims service
•         Steady coverage

You can enjoy these benefits and more for a single, low monthly price. Furthermore, know that we cover a wide variety of commercial vehicles, from business cars to tractor trailers and more. Our insurance coverage even handles commercial trailers pulled by your truck. You’re in good hands!

Commercial Auto Insurance Cost

Most businesses utilize numerous types of vehicles. The most common types of vehicles include delivery trucks, passenger vehicles, and tractor trailers, all of which are essential to everyday operations. A personal insurance policy will not cover any vehicle used for business. However, insuring every vehicle can add up. You need a service provider willing to cover your entire business.

We know that cost is a significant factor for most companies researching commercial auto insurance. You may receive one high-ball quote and another low quote. Somewhere in the middle is typically ideal. We’ll factor in the size of your fleet, the amount of coverage required, driving records, and more in order to determine what price we can offer to you. We’ll be sure to give you a quote that’s worth your time.

Commercial Auto Insurance Policy

Your business relies on working vehicles to get your goods or services to your customers. Of course, the entire operation must be safe, including the drivers. Unfortunately, accidents are not always avoidable. A simple mistake on the road could lead to considerable damage and injuries. An insurance policy, while not bulletproof, will protect your investment and your employees in the event of an accident.

A commercial auto insurance policy is similar in nature to a personal policy. Both provide automotive coverage, including liability and physical damage coverage. The two differ, however, for several reasons. Unlike a personal policy, a commercial policy

•         Covers a broad range of vehicle types and sizes.
•         Offers liability limits.
•         Usually has no limit to the number of vehicles.
•         Usually has no limit on number of commercial drivers.
•         Can increase in coverage as a result of various endorsements.

What Does Commercial Auto Insurance Cover?

Like your personal auto policy, commercial vehicle insurance provides similar coverages for such things as liability, collision, comprehensive, medical payments or personal injury protection, and uninsured/underinsured motorist coverage. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits. Benpapa Insurance Insurance Agency in McKinney knows commercial vehicle insurance well, and we’ll be more than happy to explain our commercial auto insurance options.

Who Needs Commercial Auto Insurance?

You need this protection if…

• Your business owns, leases, or rents vehicles
• Employees drive company-owned, leased, or rented vehicles
• Employees drive their own vehicles while conducting business
• You or your employees drive company cars for both business and personal use

Who Do I Call to Learn More?

If you have more questions about commercial auto insurance, then you can call the Benpapa Insurance today. We’ll make sure we answer whatever questions you may have about the policies we offer, how they work, and which one is best for you. We can help make sure your Texas commercial auto insurance meets the needs of you and your business. Call  972-542-8486 today to learn more and receive a commercial auto insurance quote.

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Landlord Protection Policy

Landlord insurance options are available in order to shield you and your family against personal injury, wrongful eviction, wrongful entry, and other non-bodily injury claims such as libel and slander. Although a landlord policy is not required by law, it is prudent to have some level of coverage so you know where you stand.

What Does Landlord Insurance Cover?

If you’re investing in a landlord protection policy, make sure you know what is covered under the terms of your agreement. While this varies between specific policies and carriers, a landlord policy will typically cover the following:

Property Damage

This provision covers damage due to events like fire, vandalism, theft, and storm damage that could occur to your building and is an important component of landlord insurance.

Liability Insurance

Liability insurance covers lawsuits, bodily injury claims, medical fees, funeral costs, legal fees, settlement costs, and other liability claims against you as the landlord for any events that occur on your property. liability insurance may also cover another person’s property damage in the event you could be liable as landlord.

Loss of Income

Coverage for loss of income comes into play when there’s a loss event such as a fire or flood that causes a tenant to move out and you to lose rental income. This landlord protection policy will help compensate you for lost income.

Learn More about Landlord Insurance

Call the experienced professionals at Benpapa Insurance today. We can identify the best landlord protection policy that will provide the coverage, value, and price you need. We can help make sure your Texas landlord insurance meets your needs and has you covered. Call 972-542-8486 to learn more about how our landlord insurance quotes work and see what we have to offer.

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Commercial Liability Insurance Quotes

Liability insurance can help cover medical expenses, attorney fees, and other expenses you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind. For example, any individual or business providing an opinion, making recommendations, designing products/solutions, or offering a service is at risk for a professional liability lawsuit. Benpapa Insurance can give you commercial liability insurance quotes and help you select a policy that will aid with defense costs, regardless of fault, as well as protection for judgments, court costs, and more.

Common Commercial Liability Claims

In case you’re curious what kinds of situation would be covered by commercial liability insurance, here are a few examples.

Lighting Problems

Sufficient lighting can help prevent falls and provide a more secure environment for everyone.

If someone is injured as a result of improper lighting that leads to a dangerous situation, it’s possible you could be found responsible for the incident.

Spills and Falls

Make sure spills are cleaned up immediately or, in the case of large spills, have an employee stand near the affected area until the spill has been completely cleared. Many companies utilize “wet floor” signs and make sure to use floor mats at entrances and other areas that are often wet or slippery. If someone falls as a result of a spill or wet/slick area in your business, it’s possible you’ll need to use commercial liability insurance to cover those costs.

Walkways and Parking Lots

Here are a few tips and tricks that could save you from needing to utilize your commercial liability insurance as a result of falls or injuries on your property. Conduct daily checks on all parking lots and exterior walkways to ensure a smooth and safe path. Repair potholes, large cracks, or uneven pavement areas. Use contrasting paint to mark wheel stops in parking lots to avoid trips and falls. Clear ice promptly from walkways and parking lots, and keep an eye out for other potential hazards.

Unsafe Stairs

Stairs are some of the most hazardous areas of any property. Secure handrails and steps on all stairways. Make sure stairs are adequately lighted from above and that single steps or uneven surfaces are illuminated so they can be easily seen. Lighted steps can help in particularly dark areas. Steps should have a non-skid surface or be equipped with abrasive strips for sure footing. Failing to observe these steps could result in injury to one of your employees or customers, impacting your commercial liability insurance.

Get Your Coverage Set Up Today

Call the Benpapa Insurance today to sign up for commercial liability insurance. We can help make sure your Texas commercial liability insurance continually meets your needs. Call 972-542-8486 today!

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