• R.D. Kothmann Small Business Insurance

Individualize Your Coverage with Small Business Package Insurance from R.D. Kothmann

If you’re a small business owner, it pays to have comprehensive coverage for your needs. This might sound like simple advice, but many small business owners don't realize the various options available in regard to insuring all their assets. If you operate a small- to medium-sized, low-risk business, you may be eligible for commercial liability insurance coverage through an affordable property and general liability package policy called a Business Owner's Policy, or BOP.

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What is Small Business Package Insurance?

BOP is insurance for small business, packaged in a single commercial insurance policy that combines property insurance and commercial general liability insurance. For many small but expanding companies, small business package insurance is an affordable way to secure commercial liability insurance coverage.

In fact, a small business package policy can help many small- to medium-sized businesses save significant cash over other types of business insurance policies. And if you own a small business, you understand that saving money anywhere possible—without cutting corners or sacrificing quality or security—is essential for sustaining success and growth.

At R.D. Kothmann Insurance, BOP usually includes two crucian things: General Liability and Commercial Property.

General Liability

At R.D. Kothmann Insurance, we understand that you, like all small business owners, need complete business protection—not a run-of-the-mill, "one size fits all" policy. We can find policies that cover medical expenses, attorney fees, and damages if you're found legally responsible. We'll also make sure you're covered for other situations that may not have even crossed your mind, regardless of your planning.

Our General liability insurance policies at R.D. Kothmann Insurance Services include:

  • Premises Liability
  • Product and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Caustically Coverage

Commercial Property

Like any other insurance policy, premiums for a commercial property insurance policy will be determined by the coverages you choose, the dollar amounts you select to cover those assets and the deductible (out-of-pocket) amounts you choose.

Commercial property insurance covers your building and all the property within that you use in running your business.

Commercial property coverage protect your assets against these specific perils:

  • Fires
  • Storms
  • Accident
  • Theft
  • More

Commercial property insurance won't cover accidents that occur on your property to workers or customers. The general liability portion of your policy covers those events. And unfortunately, there are many other ways for a business to be harmed and require insurance coverage beyond damage from those named above.

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Contact R.D. Kothmann Insurance for a Free Quote on Small Business Package Insurance

R.D. Kothmann Insurance is built on two things: Relationships in coverage and pride. If you’re ready to start a new friendship with an Texas commercial insurance agency that will put the interests of your business above profits, call R.D. Kothmann Insurance today at 325-446-2320!Or for a free online small business package insurance quote, click here to fill out a quote form.
We can’t wait to work with you!