Commercial Business Insurance in Tomball, TX
At TWFG Luarca Insurance, we understand that running a business in Tomball means wearing a lot of hats. Whether you own a retail shop in Old Town, manage a contracting crew, or operate a growing service business, you need insurance that works as hard as you do. That’s where we come in.
We’re local, independent, and here to help you find coverage that fits your business—no fluff, no confusion, just protection that actually matters.
Commercial Auto Insurance Tomball Tx
If your business owns or uses vehicles, personal auto insurance won’t cut it. Commercial auto covers vehicles used for deliveries, service calls, transporting tools, or employees on the job.
Don’t risk it—one accident without the right coverage could seriously hurt your business.
Protecting Local Businesses with Real Coverage That Makes Sense
Commercial Business Insurance
In addition to commercial auto insurance in Tomball, TX, TWFG Luarca Insurance offers comprehensive commercial business insurance. This type of coverage is essential for protecting your business assets, including property, equipment, and liability exposure. Commercial business insurance can include:
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General Liability Insurance: Protects against claims of bodily injury and property damage.
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Property Insurance: Covers damage to your business property due to fire, theft, or vandalism.
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Workers' Compensation Insurance: Provides coverage for employees injured on the job.
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Business Interruption Insurance: Compensates for lost income during unexpected closures.
Whether you're a small business owner or manage a larger operation, our team of experts can help you tailor a policy that meets your specific needs and keeps your business protected.
What Kind of Business Insurance Do You Need?
Every business is different, and that means your insurance should be too. Here are the key coverages most Tomball businesses should consider:
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Liability Insurance CoverageLouisiana law mandates liability insurance to pay for property damage or injuries you cause to others. However, it does not cover injuries you or your family may incur. You'll need additional coverages like Personal Injury Protection or Collision and Comprehensive to protect your medical expenses or vehicle. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Liability Limits in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage We always recommend reviewing and increasing your limits to strengthen your financial protection.
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Uninsured/Underinsured Motorist CoverageAccidents involving uninsured drivers are more common than you think. Although it's not mandatory, Louisiana law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. This critical protection occurs when the at-fault driver doesn't carry adequate insurance. Minimum UM/UIM Limits: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) Boosting these limits can significantly enhance your peace of mind.
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SR-22 InsuranceHave you been labeled a high-risk driver? If so, Louisiana law may require you to file an SR-22—proof of financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. The state typically mandates it for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations? Have you been involved in an accident without proper insurance coverage? We assist drivers in obtaining and filing SR-22 forms efficiently, allowing them to regain their driving privileges confidently. If you fall into one of these categories, you may be required to obtain an SR-22 from your insurance provider to drive a vehicle, which will be filed with the Louisiana Office of Motor Vehicles (OMV). Drivers must maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.