Benavides Insurance

The Best Commercial Insurance in the Rio Grande Valley

Commercial Insurance for Your Business

Protect Your Investment with A Great Commercial Insurance

Commercial insurance for your business should be a top priority for you and/or your business partner along side your profits. Without a good commercial policy, you are operating with a high risk of losing everything you’ve worked so hard to accomplish.  Most people or business owners don’t realize that almost any little mishap within the confines or the operational distance of your business puts you at great risk for a loss.

These losses can range from personal injury to death of some form and can cost your company millions in liability damages or property damages depending on the scope of your business.

Why would you leave yourself open to losing everything?

Businesses are at risk everyday they are in operation and although unfortunately lawsuits against small to medium to large businesses are becoming more and more popular each year. Many of these claims involve commercial liability in which your business has been found to be negligent in a particular situation. This can range from a slip at one of your locations or those in the food industry, someone who may fall ill due to eating at your establishment. The sad truth is, this happens everyday around the company. 


Your Commercial Coverages

…provides protection against losses from the legal liability of insureds for bodily injury or property damage to others arising out of non-professional negligent acts or for liability arising out of their premises or business operations. Mental injuries and emotional distress can be considered bodily injuries, even in the absence of physical bodily harm.

Personal and advertising injury liability protects an insured against liability arising out of certain offenses, such as:

  • Libel
  • Slander
  • False arrest
  • Infringing on another’s copyright
  • Malicious prosecution
  • Use of another’s advertising idea
  • Wrongful eviction, entry or invasion of privacy

Limited coverage for medical payments includes payments for injuries sustained by a non-employee caused by an accident that takes place on the insured’s premises or when exposed to the insured’s business operations.

  • Directors and Officers Liability
  • Liquor Liability

  • Pollution Liability

Workers Compensation is sold as a separate policy and provides medical coverage to employees who are injured on the job performing their standard duties.

Generally provides similar coverages as a personal auto policy but with higher limits of coverage and for vehicles specifically used for day to day business operations.

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