Business & Commercial Insurance

Business Insurance – Frisco, Little Elm, McKinney, Plano, Texas

Buckley Insurance Agency can provide Commercial Auto Insurance, General Liability, Workers Compensation and Business Insurance. Steve Buckley has had experience providing all these types of coverage during his over 38 years in the insurance field. Review the type of coverage below which suits your needs and then click on the associated Get A Quote button.

What insurance do you need for a small business?

Here are some insurance types that a business must have in place as soon as possible:

Commercial Auto

As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. Click Here for more information on Commercial Auto Insurance or click below to begin your quote.

 

Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.


Do I need workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business (Don't overlook Homeowners Insurance) and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.




Business Insurance

We write a variety of commercial policies for accounts like Hirsch's Meats in Plano, the finest quality meats in the area. For more information about Hirsch's Meats call 972-633-5593.

Thank you for your interest in Buckley Insurance Agency, proudly insuring our Frisco community and communities throughout the Dallas area. Let us help simplify your policy management with One Agent – Multiple Policies! We can provide car insurance, home insurance, business insurance, renters insurance, earthquake insurance and many more.