Commercial Insurance
Commercial insurance: safeguarding investments, securing guest satisfaction - comprehensive coverage for property and visitor-related risks, enabling uncompromised peace of mind.
A trusted advisor who understands your unique industry demands and risks.
With over 40 years safeguarding commercial enterprises, our seasoned advisors possess unparalleled expertise in mitigating industry-specific risks. We collaborate closely, leveraging insights into supply chain disruptions, cyber threats, and compliance complexities to craft tailored insurance solutions. Maintaining a forward-looking stance enables us to proactively address emerging perils and regulatory shifts. Our unwavering commitment ensures comprehensive protection accompanies your company's evolution, fostering sustained growth while minimizing operational vulnerabilities.
Seasoned commercial specialists with industry expertise spanning small shops to multi-location manufacturers. Our team consistently tracks OSHA guidelines, EPA protocols, and emerging workplace hazards to maintain a proactive stance. This vigilance enables comprehensive policies safeguarding your operations against equipment breakdowns, premises liability, and product recalls.
Going the extra mile with custom tailored coverage solutions for your trade. From equipment breakdowns to product liability, from professional errors to cyber risks, our comprehensive policies leave no stone unturned, fully protecting your business with zero vulnerabilities.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Protects physical assetssuch as buildings, equipment, and inventory against fire, theft, and natural disasters
• Covers lost income and extra expensesin the event of business interruption due to covered property damage
• Provides liability protectionfor third-party injuries or property damage occurring on the insured premises
• Includes data breach coveragefor costs related to data loss, notification expenses, and credit monitoring services
• Covers bodily injury claimsfrom slips, falls, or accidents on the insured's premises or job sites
• Protects against property damage claimsfor damage caused by the insured's operations or products
• Includes personal and advertising injury coveragefor claims of libel, slander, copyright infringement, and invasion of privacy
• Provides product liability protectionfor bodily injury or property damage caused by the insured's products
• Safeguards against claims of negligencein providing professional services, such as errors, omissions, or misrepresentations
• Covers defense costs and judgmentsrelated to professional liability lawsuits or regulatory investigations
• Includes cyber liability coveragefor data breaches, network security incidents, and privacy violations
• Protects against claims of mismanagementof client funds, inaccurate advice, or failure to deliver promised services
• Provides liability protectionfor bodily injury and property damage caused by insured vehicles
• Covers collision and comprehensive lossesto the insured's vehicles, including theft, vandalism, and weather-related damage
• Includes uninsured/underinsured motorist coveragefor accidents involving drivers without adequate insurance
• Offers hired and non-owned auto liabilityfor vehicles rented or borrowed for business use
On average, Commercial Insurance costs around $5,000 annually; however, individual premiums vary based on several factors:
Past claims weigh heavily, with more frequent incidents driving up costs. Riskier operations like construction face steeper premiums.
Larger firms with numerous employees typically require broader coverage, leading to higher insurance rates compared to smaller operations.
Premiums account for risks based on geographic location, with urban areas prone to higher crime rates costing more.
Sectors like healthcare or manufacturing with heightened liability risks demand extensive coverage, translating to steeper insurance premiums.
Robust safety training and risk mitigation measures can lower premiums, as insurers view proactive companies as less risky.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Commercial property insurance primarily covers physical damage to your business premises and contents caused by covered perils like fire, theft, or natural disasters. It provides compensation for repairing or replacing damaged property and equipment. However, coverage details and exclusions vary, so review your policy carefully. Regular risk assessments and implementing proper security measures are recommended to minimize potential losses.
Business interruption insurance can be crucial for small businesses, as it provides financial protection against income losses due to temporary closures or operational disruptions caused by covered events like natural disasters or equipment breakdowns. It helps cover ongoing expenses and lost profits during the recovery period. Evaluate your business's risk exposure, potential downtime costs, and the policy's waiting period to determine if it's a worthwhile investment.
To ensure adequate commercial liability coverage, thoroughly evaluate your business's risks and potential exposure to third-party claims for bodily injury, property damage, or other liabilities. Work closely with your insurance provider to determine appropriate coverage limits based on your industry, operations, and risk profile. Regularly review and update your policy as your business grows or changes. Implementing risk management strategies can also help mitigate potential liabilities.
Start Your Coverage Today
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
