Business INSURANCE PRODUCTS

At Robinson & Fogle, we specialize in providing insurance products for businesses of all types and sizes. While we have over 20 years experience serving clients in the Austin area, we also serve clients across the greater Texas area. Whether you are in Austin, San Antonio, Dallas, Houston, or somewhere in between, we can serve your needs. To view our portfolio of clients click here, and to read more about our experience click here.

Below is a list of business insurance products we can provide. If you would like to learn more about how we can assist you with your business insurance needs please contact us at: 512.578.8192 or peggy@rfagency.com.

Business Interruption / Loss of Business Income

Business interruption or loss of business income can protect a business in the event of natural disaster, fire or other extenuating circumstances that affects the ability of your company to conduct business. It can provide you with business income while your establishment is in repair for a covered loss.

Business Owner Policy (BOP)

A Business Owner Policy or BOP is an insurance package that assembles the basic coverages required by a business owner in one bundle. A typical business owner policy may include: property insurance, business interruption insurance, crime insurance, vehicle coverage, liabilty insurance and flood insurance. Depending on additional risks a business owner might face, the business owner and the insurance company can make arrangements for additional components to be added to the original package. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owner Policies usually target small and medium-sized businesses with well-defined risk.

Commercial Auto

A personal auto policy does not cover vehicles used for commercial purposes. If your business uses vehicles, or anything that is required to be titled by your state, then you need a commercial auto policy. Commercial auto coverage can insure against property damage to vehicles and damage caused to others by those vehicles.

Employers' non-ownership insurance can provide liability protection when an employee occasionally has to drive his or her personally owned vehicle for business purposes. This assumes that the vehicle is not owned, registered or contracted in your name or on your behalf. Hired auto insurance can provide liability protection when you are driving a vehicle that you, or your business, do not own or that is not registered to you. If you rent a vehicle for a less than 30 days, hired auto insurance will help protect the rented vehicle.

Commercial General Liability

Commercial liability insurance protects your company should it be sued or held legally liable for injury or loss caused by a mistake made by your company. This coverage is especially important since it protects against risks such as patron injuries and injuries to third parties by patrons or employees. General liability can also insure against trip/slip and fall, injury on premises, property damage to others, etc. For covered risks, this policy can provide the owner with legal counsel and pay for the judgement.

Commercial Health

Most businesses need to offer their workers health insurance in order to compete with other employers. This insurance offers health coverage benefit to your employees and you.

Commercial Life

Depending on your mortgage and financing you may need to carry life insurance to satisfy your lender. It is also a good idea to have life insurance in case something happens to you and you want to ensure your family isn’t left with a restaurant or bar they don’t know how to run and bills they can’t pay.

Commercial Property

Commercial property insurance can protect the location of the business and its contents/equipment against loss or damage from theft, fire, and/or other perils. It also insures against loss or damage to property of others that are under your control at the time of loss. If you rent or lease a location, then your business may be required by the property owner to carry property insurance by the terms of the lease or contract.

Workers' Compensation

Workers' compensation can cover medical and rehabilitation costs and lost wages for employees injured at work. Did you know workers' compensation insurance is not required by the state of Texas? However, employees have lifetime medical and loss wage coverage when injured during the course of their employment at your business whether you carry insurance or you pay those costs yourself.

And much more!

Can't find the product you are looking for on this page? Don't worry, R&F offers many more products than we can list here! Give us a call today and we'll work with you to develop a coverage plan that meets your needs based on your specific situation. We also specialize in providing insurance products for restaurants, bars, and garages - check out these pages for more information.



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