Texas Business Owners: Are You Covered?

Small businesses are the backbone of Texas. From machine shops to schools, daycares, and automotive shops, these enterprises drive our communities forward. At Malone Agency, we know your business deserves more than just basic protection—it deserves insurance that works as hard as you do.

Why Insurance Matters for Your Business
Unexpected events like natural disasters, legal claims, or workplace injuries can take a toll on your operations. That’s where the right coverage comes in. With the right policies in place, you’re not just protecting your business—you’re building confidence and resilience.

Here’s what the right coverage offers:
Financial Protection: Stay secure against costly lawsuits and unexpected expenses.
Operational Continuity: Keep things running smoothly even after disruptions.
Employee Support: Prioritize your team with policies like workers’ compensation.
Professional Image: Show your customers you’re prepared and reliable.

What Coverage Does Your Business Need?
Every business is different, but here are the essentials to consider:

• General Liability Insurance: Protects against claims for injury, property damage, or personal harm.
• Commercial Property Insurance: Covers buildings, equipment, and inventory from damage caused by fire, theft, or storms.
• Workers’ Compensation: Supports employees in case of workplace injuries.
• Professional Liability Insurance: Shields your business from claims of negligence or errors.
• Commercial Auto Insurance: Covers vehicles used for your business.
• Cyber Liability Insurance: Protects against data breaches and cyberattacks.
• Business Owner’s Policy (BOP): Combines liability and property insurance into one cost-effective package.

Industry-Specific Insights
Texas businesses face unique challenges, depending on their field:

Machine Shops: Coverage for equipment breakdowns, product liability, and environmental risks.
Schools: Educators’ liability, cybersecurity, and property insurance for peace of mind.
Daycares: Liability coverage tailored to childcare, including abuse and molestation protection.
Automotive Shops: Garage keeper’s liability, workers’ comp, and commercial auto coverage for total protection.

Prepare Your Business for 2025
Texas businesses face everything from extreme weather to complex regulations. That’s why having the right insurance isn’t just smart—it’s essential. Proactive planning ensures your business is ready to handle challenges and keeps you focused on what you do best.

Insurance is more than a policy—it’s peace of mind. Make 2025 your safest, strongest year yet!