Business Insurance Products

Strategic Risk Management: Business Insurance Solutions for Texas Businesses

Launching and growing a business in Texas brings exciting opportunities, but it also exposes you to risks that can impact your bottom line. From liability claims and property damage to cyber threats and employee injuries, unforeseen events can quickly become costly setbacks. Smart business leaders understand that the right insurance is a critical investment to protect assets, maintain operations, and ensure long-term success. At Rollo Insurance, we specialize in helping Texas businesses assess risks and secure tailored insurance solutions that align with their goals.

Why Business Insurance is a Key Component of Your Risk Management Strategy

Business insurance serves as a financial safety net designed to:

• Protect Capital: Avoid draining cash reserves by transferring risk through insurance coverage.
• Safeguard Continuity: Minimize downtime with coverage that supports ongoing operations during crises.
• Comply with Regulations and Contracts: Meet legal and contractual insurance requirements to avoid penalties and secure partnerships.
• Enhance Employee Retention: Offer competitive benefits like health and life insurance to attract and keep top talent.
• Deliver Predictable Costs: Manage potential large losses through insurance premiums rather than unpredictable out-of-pocket expenses.

Essential Insurance Types to Support Your Business Objectives

Your business insurance portfolio should reflect the specific risks your enterprise faces. Key coverages to consider include:

Core Coverages

• Commercial General Liability (CGL) Insurance: Shields your business from third-party claims involving bodily injury or property damage, including defense costs. 
• Commercial Property Insurance: Protects physical assets like buildings, equipment, and inventory from damage or loss. 
• Workers' Compensation Insurance: Covers employee injuries, reducing legal exposure and supporting workforce health. In Texas, this coverage is often optional but highly recommended. 
• Commercial Auto Insurance: Covers vehicles used for business purposes, protecting against liability and vehicle damage.
• Professional Liability (Errors & Omissions - E&O) Insurance: Critical for service providers, this protects against claims of negligence or errors that cause client financial loss. 
• Directors & Officers (D&O) Liability Insurance: Protects company leadership from lawsuits tied to management decisions. 
• Cyber Insurance: Guards against the financial fallout from data breaches and cyber attacks — an increasing risk in today’s business environment.
• Contractual Liability Insurance: Covers risks your business assumes through contracts, common in industries like construction. 
• Riggers Liability Insurance: For contractors handling heavy equipment, this covers damage during lifting or moving operations.
• Pollution Liability Insurance: Covers cleanup costs, fines, and lawsuits related to environmental contamination. 

Industry-Specific Packages

Many industries face unique exposures. Whether you operate a restaurant, retail business, contracting company, or professional service, Rollo Insurance offers tailored solutions to fit your sector’s demands. Visit our industry pages to learn more. 

Employee Benefits

Attracting and retaining the right team is vital. Employee benefits include:

• Group Health Insurance
• Group Life Insurance
• Group Dental & Vision
• Ancillary Benefits

Additional Solutions

• Commercial Umbrella Insurance: Provides extra liability limits for large claims.
• Business Owners Policy (BOP): Combines key coverages for small to medium businesses into one policy.
• Group Captive Insurance: A collaborative insurance approach offering cost control and transparency. 

Partner with Rollo Insurance to Protect Your Texas Business

Insurance options can be complex, but Rollo Insurance is your trusted partner. We focus on understanding your business’s specific needs and risks so we can build a customized insurance plan that protects your assets and supports your growth. Contact us today for a consultation and let’s secure your business’s future together.