Why Workers Compensation Is An Essential Part Of Commercial Insurance

Jason Ridley Agency serves the Colleyville, TX community, as well as the surrounding areas. We strive to ensure that our clients have the coverage they need to protect their assets. We look forward to hopefully establishing a long-lasting partnership with you. We are proud to serve the community as an independent insurance agency.

Why Workers Compensation Is Essential

Operating a business is a significant investment. You have to put in a lot of work to make sure that your business is successful. Commercial insurance is an asset. The policy can help alleviate some stress associated with operating a business daily. Commercial insurance covers damage to your property and inventory. You are also covered if your inventory is stolen or damaged. Liability coverage protects you if you are involved in a dispute due to someone getting injured on your property. One of the most important parts of commercial insurance is workers’ compensation. Workers’ compensation helps you protect your business while simultaneously taking care of your employees.

Important Benefits

Your employees are a valuable part of your Colleyville, TX business. By adding workers’ compensation to your policy, you are showing that you value your employee’s contributions to the business’s success. If one of your employees gets injured, workers’ compensation will cover their treatment and rehabilitation. The policy also covers your employees if they become disabled. In the unfortunate event that your employee suffers a serious injury and passes away, workers’ compensation can assist with the arrangements. Having a strong worker’s compensation policy can also give your business a competitive advantage when retaining and attracting talent.

Jason Ridley Agency Can Help You Take Care of Your Business

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3 Questions to Ask About Your Commercial Insurance in Colleyville

When you’re a business owner in Grapevine or Colleyville, TX, your days are already filled with questions. Questions from yourself, your vendors, your employees, your customers — big and little asks that need answers.

All of these everyday quandaries can be exhausting after a while, which is why so many people will just renew their business insurance without thinking about it, or choose based on the bottom line and nothing else. But this is a dangerous shortcut for a wide variety of reasons. Jason Ridley Agency wants you to examine the three questions you should ask before you dismiss it. 

Who Does My Insurance Cover?

From your employees to your customers, you need to know about the people who are under your company’s umbrella. If you’re injured in the stockroom when you’re going through inventory, do you know if you can file a claim?

What Doesn’t My Insurance Cover?

This is often more telling than what your insurance does cover. Once you know that an event isn’t covered, you can start to assess whether you’d rather spring for the additional protection. From major storms to theft to vandalism, it’s worth checking these things out. 

Who Are You Working With?

The carrier that you’re working with will have a lot to do with the relationship you have with your insurance policy. If you’re asking these questions to the right people, you get the answers you need plus much more. 

Jason Ridley Agency is here to help the business owners of Colleyville, TX really understand what they’re signing up for. Before you think of insurance as just another thing you need to stay legal, give us a call. We can help you see where the holes in your commercial insurance are, so you can feel confident about the future. 

Commercial Insurance Add Ons For Any Building

Your place of business represents an incredible investment of time, money, and resources. Due to this, it is crucial for you to protect your place of business with the right commercial insurance policies. This includes protecting the building your company is in. However, there are all kinds of commercial insurance add ons for the building that you need to consider. When running a business in or around Colleyville, TX, our team here at Jason Ridley Agency wants to help you protect every corner of your commercial facility. 

Window Protection

Does your facility have a large number of windows? Perhaps you run a restaurant with big windows right alongside a busy street. You’ll want to protect these windows with additional insurance coverage. 

Flooding Insurance

Just like your home, you’ll want to protect your commercial property from flooding and other kinds of storms. Flooding can be extremely devastating to a business, as it may not just cause damage to your property, but to the equipment and goods within the facility as well. With flood insurance, you’ll protect your business from this. 

Protection From Vandalism

Your windows can be covered from vandalism, but if your building is tagged, you’ll want to remove the spray paint. This can be difficult and even expensive. With the right commercial insurance protection, you will not be forced to pay for all the repairs out of pocket.

It doesn’t matter what kind of business you run. You need to protect it. As every commercial facility is a bit different, your needs will not be the same as the business across the street. That is why, if you run a business around Colleyville, TX, you will want to give our staff here at Jason Ridley Agency a call. We’ll help connect you to the insurance coverage for your specific commercial property.