Commercial Auto Insurance policies provide insurance coverage for any motor vehicle used in your line of business.  These can be personal vehicles used by you or your company to visit jobsites or more specialized vehicles used for your specific line of business.  Delivery Vans, Refrigerated Trucks, Limousines, Dump Trucks, Utility Trailers, Step Vans, Tank Trucks, Hearses, Flatbed Trucks, Min / Cargo Vans, Catering Trucks and Stake Trucks are all acceptable classes for Commercial Insurance Coverage.

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Commercial Flood Insurance is simply a flood insurance policy that covers your business or interest in the event or rising or tidal surge waters.  Commercial Flood is a separate insurance policy and will not be included with Windstorm / Hurricane or Commercial Package polices and must always be covered separately.

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Business Owners Package polices, often called BOP policies, are package insurance policy for small to medium size businesses that contain multiple policy coverages under one policy.  This can be extremely helpful and also save you money as your business property coverage and General Liability insurance can be packaged together under one policy.  These policies can also be tailored to meet the specific needs of your business.

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Commercial Property policies insure your business property from loss.  These polices give your business protection for lost income or business interruption, or loss of buildings, computers, money, and valuable papers.

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Since most General Liability polices only insure your business for 1 million dollars in coverage up to a maximum of 2 million dollars per policy term, Commercial Umbrella policies give your business added coverage above and beyond these limits.  Many companies working as contractors are required to carry commercial umbrella polices in the amount of 5 million dollars.  Annaville Insurance has various markets and competitive rates for your Commercial Umbrella policy needs. 

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Contractors Liability Policies protect residential and commercial builders, construction contractors, general contractors, construction managers, design and build firms, specialty contractors or subcontractors an owners.  These polices can be tailored for your specific or individual company needs. 

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Directors and Officers Liability Insurance is protection for the directors and officers of a company in the event they are sued in conjunction with the performance of their duties related to the company. This is basically a "management Errors and Omissions policy".

Directors and Officers Insurance can be confused with Errors & Omissions Liability. Errors & Omissions covers performance failures and negligence of your products and services, not the performance and duties of management. Many companies carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance as added protection.

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Errors and Omissions (E&O) also called Professional Liability, is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission during the course of business regarding your professional services. Professional liability coverage is separate from a General Liability (GL) policy which COVERS bodily injury or property damage.

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General liability insurance protects companies from claims that arise from a broad spectrum of sources. Claim exposures could be just about anything, including accidents on the premises of jobsites from the operations of the insured party, contractual liability, or products manufactured by the insured party.  Almost all businesses will be required to carry General Liability insurance by the State of Texas in order to operate. 

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Hotel / Motel insurance policies provide protection coverage for the owners and managers of hotels. Hotel / Motel insurance provides coverage for resorts, spas, ranches and more.

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Liquor Liability Insurance is designed to provide liability insurance protection for those businesses that manufacture, distribute, or sell liquor.  These type of business entities include bars, taverns, brew pubs, nightclubs, fraternal organizations, convenience stores, liquor stores, and restaurants or any other business or company that sells alcohol, beer, liquor or wine to the public. 

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Product liability insurance provides coverage in the event a product you produce or provide causes harm to a consumer. This type of insurance is recommended for any business that manufactures a product, but is especially important for companies that food production, clothing, toys or anything else that could cause harm to anyone who uses that product. Most business owner’s policies include some product liability coverage. If you do not have this coverage through your business owner's policy you may need to buy additional coverage through a product liability policy. 

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A property liability policy provides protection for claims arising out of liability exposures on an insured's commercial business property.  

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Restaurants, Bars and Taverns require specific coverage for the special types of liability and other exposures that can arise in their work environment.  We have specialized markets and programs for Restaurants, Bars, Taverns, Coffee Shops and Food Trucks.  Give us a call or click on the link below to start on a quote for your business today. 

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Special Events Coverage policies will give you or your company security in the event that a claim should arise from your corporate event, summer concert event, farmers market, festival, rally or other special event.  Don't let an unexpected occurrence spoil your event, get Special Events Coverage today. 

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We work with the country's top-rated surety companies to secure:

• Contract Payment and Performance Bonds
• Fidelity Bonds on Employees
• Code Compliance Bonds
• Professional Service Bonds

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Companies may be unaware that their current business insurance policies do not cover all of their technology related risks. Our technology insurance programs provide coverage tailored to fit your company's unique technology needs. In today's technology-driven world, companies face many dynamic exposures. Faulty software, inappropriate advice, misconfigured firewalls or inadequate anti-virus software, hardware failure can put you and your company at risk. Technology related claims are increasing faster than almost any other market segment and can leave companies liable for expensive lawsuits.

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Annaville Insurance has many programs that are cost effective and built especially for Wholesalers and Distributors.  If your company is a wholesaler, distributor or both, please contact us today so that we can begin working on a policy that is tailored specifically for your companies needs. 

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Commercial Windstorm / Hurricane Insurance is a very important class of insurance for any business operating on or near the Gulf of Mexico / Gulf Coast area.  A Commercial Windstorm policy can protect your buildings as well as business contents from the threat of a Hurricane, Hail or Tornado. We offer a variety of coverage options and deductibles to bring cost effective solutions to our business clients all along the Texas Coast and inland. 

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Workers' compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries. By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. We work with some of the top Workers' Compensation Insurers, including FirstComp and Texas Mutual, to help keep this cost to your company as low as possible.

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