We provide comprehensive Business Owners Policy (BOP) insurance to many businesses in RGV and throughout the state of Texas. A BOP combines all different coverages into one policy to protect your small to medium-size business assets.

We can tailor a package to fit the needs of your industry. Many industries have specialized packages for their business owners policies. At PRIME Integrity Insurance Agency, we can evaluate the needs of your industry and give a customized option that covers your needs and is specific to your industry.
 

Business Owners Policies include:
 

• Property coverage - protecting your building and contents that are owned by the company.

• Liability protection - covering the company's products or operations that may result in the damage or injury to another.

• Business Interruption - this protects your company from fire or other accident that may result in loss of income or operation of the company.

• Other coverages - may include equipment breakdown, crime, signage

Keep in mind also that you need separate coverage for your commercial auto's, workers compensation and group employee benefits like health and life insurance. Let one of our business owners policies specialists find the right coverage for you today. 



General Liability coverage for  businesses
 

Every business needs to protect themselves from accidents or injuries that may occur on their business grounds. General Liability insurance coverage can protect your business from these unexpected expenses.

There are many different plans and options when choosing a General Liability plan, and our experienced agents at PRIME Integrity Insurance Agency can assist you in finding the right plan at the right budget. If you have the right liability insurance plan in place, you can be protected if you face a lawsuit. Certain Texas businesses face more risk of accidents or injuries, so doing an analysis of your business can help in finding the best General Liability plan that fits your needs.
 

General Liability insurance, along with your property and workers comp policies, protects your business if you're sued for personal injury or property damage. A typical policy will cover those accidents or damages that occur on-site or as a result of using goods or services sold by the company. In addition, coverages can be designed to cover additional costs like attorney fees or court costs.

Our agents can assist you in considering all aspects of your General Liability insurance package to give you the most appropriate policy available. We will help you customize a specific plan that works for businesses



Providing Commercial Auto Insurance 
 

Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance. Our agents at PRIME Integrity Insurance Agency will help you find the best coverage you need for your business.

Why do you need Commercial Auto Insurance? - In general, if an auto is used in tasks related to the operator's occupation, profession or business, other than commuting, a commercial policy is necessary.
 

• If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy.

• A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.

• Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy.

• A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership.

What does Commercial Auto Insurance cover? - Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage to businesses. 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.

Most Commercial auto policies are "named driver only" policies, meaning only those drivers listed on the policy can operate a covered auto.

What are the coverages?
 

• Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

• Property damage liability coverage – provides you with protection if your car accidentally damages another persons property. It also provides you with a legal defense.

• Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.

• Medical payments, no-fault or Personal Injury Coverage – usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

• Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

• Comprehensive physical damage coverage – pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.

• Collision coverage – pays for damage to your car when it hits or is hit by another object.

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With many different options, commercial car insurance can be confusing. We can help you with your commercial vehicle insurance needs


 

Commercial Property Insurance 

Commercial Property insurance covers the building that your business owns or rents. A Texas commercial property insurance policy would also cover equipment, computers, tools and furniture. Let the agents at PRIME Integrity Insurance Agency evaluate your commercial property insurance needs to find the best suite for your liabilities and risks.

We can also tailor a broad protection policy to fit your commercial property needs. Our goal is to design a package to fit your specific risks and get your business up and running if disaster strikes. We can then provide you with a customized plan that takes into consideration your needs, past loss history, prevention efforts and precautions you have taken for safety control.
 

Commercial Property insurance is one of the most important types of insurance to protect your business. These are a few of the different types of coverages:

• Buildings and other structures

• Furniture & Equipment

• Inventory

• Records

• Computers

• Improvements to Property

• Glass & Fine Arts

• Outdoor Fences and Walls

• Employee Benefits Liability

• Employers Liability

• Hired and Non-owned Auto Liability

• Owned Commercial Auto
  
  
   

Texas Workers Compensation Insurance
 

At PRIME Integrity Insurance Agency, having a workplace that is protected gives you extra security. As a Texas employer, you have an obligation to ensure a safe work place and the law requires a business to have Workers Compensation Insurance. Work Comp insurance can provide the coverage to protect you from those unpredictable occurrences.

PRIME Integrity Insurance Agency can offer many different programs for different industries in Texas, in order to customize a package that fits your needs and industry. We take a proactive approach to our clients' Workers Compensation challenges. We will work to reduce your insurance costs, thereby saving you money this year and years to come.

Coverage and benefits can be obtained for the worker no matter who is at fault. For those workers injured in the workplace, medical expenses and income replacement may be necessary. Our network of companies and experienced agents can analyze your Texas work comp insurance needs. By contacting us today, we can assist and guide you through these complicated steps.
 

• How does this benefit the Texas business owner?

• Reduced injuries and losses

• Reduced medical and disability costs

• Reduced policy adjustments

• Reduced premium costs
   

Servicing your work comp insurance needs in Texas

Having the proper Texas workers compensation coverage can protect your employees and your business from loss and financial damage. 


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