Categories: Business Services
Bonds and Commercial Insurance

Is Your Company Protected From The Risks Associated With Doing Business?

Overview of Various Types of Commercial Insurance

General Liability Insurance
Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.
Worker's Compensation Insurance
Workers’ compensation insurance covers you for an employee’s on-the-job injuries. Businesses with employees are required by various state laws to carry some type of workers’ compensation insurance. In most cases, workers’ compensation laws prohibit the employee from bringing a negligence lawsuit against an employer for work-related injuries.
Errors & Ommissions/Professional Liability
Errors and omissions ("E & O") insurance covers inadvertent mistakes or failures that cause injury to a third party. The act must actually be an inadvertent error, and not merely poor judgment or intentional acts. For example, an E & O policy would cover damages arising from an insurance agent failing to file policy applications, or a notary forgetting to fill out notarizations properly.
Commercial Property Insurance
Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of “property” is broad, and includes lost income, business interruption, buildings, computers, company papers and money. Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those noted in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime and business interruption insurance. All-risk policies generally cover risks faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area.
Malpractice Insurance
Malpractice insurance, or professional liability insurance, pays for losses resulting from injuries to third parties when a professional's conduct falls below the profession's standard of care. For example, if a doctor makes a mistake that other doctors of his specialty would not have made, his patient might sue him. A malpractice policy will pay his defense costs and any judgment or settlement. Malpractice insurance is available for doctors, dentists, accountants, real estate agents, architects, and other professionals.
Automobile Insurance
Commercial automobile policies cover the cars, vans, trucks and trailers used in your business. The coverage will reimburse you if your vehicles are damaged or stolen or if the driver injures a person or property.
Business Interruption Insurance
Business interruption insurance covers lost income and expenses resulting from property damage or loss. For example, if a fire forces you to close your doors for two months, this insurance would reimburse you for salaries, taxes, rents, and net profits that would have been earned during the two-month period.
Builder's Risk Insurance
Builder's risk insurance covers buildings while they are being constructed. For example, a Builder's risk policy would cover losses if a windstorm takes down your partially constructed condominium complex.
Performance Bonds
A performance bond, also known as a contract bond, is a surety bond issued by an insurance company or a bank to guarantee satisfactory completion of a project by a contractor. If the contractor fails to complete the construction work according to the specifications laid out by the contract, the client is guaranteed compensation for any monetary loss up to the amount of the performance bond (100% of the contract price).
Payment Bonds
A payment bond is a surety bond posted by a contractor to guarantee that its subcontractors and material suppliers on the project will be paid up to the total price of the contract.

Bonds and Commercial Insurance – San Antonio Texas

Commercial insurance is insurance for a business. In fact, it is one of the most important investments a business owner can make, as it can be instrumental in protecting a business from potential loss caused by unforeseen and unfortunate circumstances. This business insurance can provide valuable protection against such things as theft, property damage, and liability. It can also provide coverage for business interruption and employee injuries. A business owner who chooses to operate a company without business insurance puts his or her enterprise at risk of losing money and property in the wake of an unfortunate event. In some situations, a business owner may even place personal money and property at risk by failing to secure adequate coverage.   Below is an overview of our offered insurance products:


Types of Commercial Business Insurance Offered:

  • Liability Insurance
  • Professional Liability Insurance
  • Workers Compensation Insurance
  • Errors and Omissions (E&O) Insurance
  • Inland Marine Insurance
  • Oil & Gas Insurance
  • Farm & Ranch Insurance


Types of Personal Insurance Offered:

  • Homeowners Insurance
  • Rental Property Insurance
  • Auto Insurance


Types of Bonds Offered:

  • Payment and Performance Bonds
  • Bid Bonds
  • License and Permit Bonds
  • Public Official Bonds
  • Fiduciary Bonds
  • Probate Bonds
  • Court Bonds
  • Miscellaneous and Federal Bonds
  • Corporate Commercial Bonds
  • Janitorial Services Bonds
  • Employee Dishonesty Bonds
  • Pension Trust (ERISA) Bonds
  • Notary Public E&O
  • Signing Agent E&O
  • Tax Preparer E&O
  • International Bonds
  • Customs Bonds

Fast Track Application – Construction – Click Link To The Left To Download

Application For Other Bonds – Click Link To The Left To Download


Feel free to contact our below licensed insurance agent for more information or to request an application to obtain a quote:


Mr. Aaron C. Sams, PMP, MCM, Service Disabled USAF Vet.

4063 East Houston St

San Antonio TX 78220

Licensed Property & Casualty Insurance Agent

Licensed Health Insurance Agent

Licensed Life Insurance Agent

Phone:  210-788-1034