The PEO Service provider assumes the day to day responsibilities of the HR management and leverage their expertise in such areas.  This allows you to concentrate on the operational and revenue producing side of operations while simplifying the business.  PEO services provide a way for you to effectively manage critical human resource responsibilities and employer risks. 

Types of PEO Services

Give us a call at 1-800-253-7040 to find out how PEO Services can help you save time and money.

Texas Workers Compensation is a system where the company is required to pay wage and medical benefits to an employee that is injured while working on the job.  The benefits that may be obtained are lost wages, medical and vocational benefits, and in case of death, the dependents are able to receive benefits.  Normally the negligence doesn't fall on either party, the employee or the employer.  Workers Comp is set up to help injured employees quickly return to work without harming the employers business.

Texas Workers Compensation Insurance does not require private employers to carry Workers Compensation Insurance Coverage.  Employers that choose not to carry Workers Comp coverage is required to report their coverage status and work-related injuries and illness to the Texas Department of Insurance.  Employers are required to tell their employees if they carry Workers Comp insurance or not.  Employers that fail to meet specific requirements commit administrative violations and can be subject to fines and penalties.

Give us a call with your Texas Workers Compensation Insurance questions at 1-800-349-3890.

Texas General Liability Insurance is a form of coverage that protects your company against claims from third parties for personal injuries, property damage, and advertisement damage.  General Liability Insurance covers legal defense and pays any judgment up to the policy limits.

What Does Texas General Liability Insurance Cover?

Bodily Injury – a physical injury that occurs to a third party at your place of business or an injury was caused by an employee.
Completed Operations Liability – Losses that occur after you have completed the project for the client.
Personal Injury - Damage to a reputation of a person or business due to slander, copyright infringement, invasion of privacy, false arrest, or wrongful eviction.
Advertising Injury – Losses caused by your advertising
Independent Contractors Liability Insurance – Damage from the acts of an independent contractor hired by your business.

For an Instant Texas General Liability Insurance quote call 1-800-349-3890
 

Texas Contractors Insurance works with over 100 "A" Rated bonding companies to help you with expertise, affordable premiums, and quality service.  Our dedicated specialists are able to provide your company with the bonds you need to complete your project on time and on budget.  Because of our close relationship with bonding companies, we are able to get your approval within minutes, and help you get started.

Texas Contractors Insurance has certified brokers to make sure you receive your  Texas Contractor Bond quick, easy and error free.

Give us a call at 1-800-349-3890 with your questions about how Texas Contractors Insurance can help protect your business.

What Are Your Life Insurance Needs?

When shopping for Contractor Life Insurance make sure to think about your financial situation and the standard of living you want to maintain for your dependents or survivors. You will want to ask yourself who will be responsible for medical bills and funeral costs.  Aside from your family's needs after your death, what about your business.  Does your business and its employees revolve around you and your abilities?  What would happen to your company if you were to die?

Since your needs can change overtime, your Contractors Life Insurance amount should be reevaluated every once in a while.  You want to take a look at your Contractor Life Insurance policy every 5 years or when you experience a major life event.  Normally you would have a declining needs for life insurance, because fewer people remain dependent on your income support.  One exception to that rule would be protecting a business or paying taxes on a large estate.

How Life Insurance is Priced

Contractor Life Insurance rates are based on your life expectancy, the face amount you request and the length of the policy.  Since your past health conditions impact your life expectancy, insurance companies want to know as much about your health condition as possible.  High blood pressure, heart disease, obesity, cancer and depression can raise your premiums or even result in an insurance company declining your policy.

Contractors with severe health conditions can find it hard to find life insurance.  Sometimes local agents may not have the experienced to find a company that specializes in insuring people with certain medical conditions.  Texas Contractors Insurance has specialists with expertise in knowing where to direct high risk applications.

For an Instant Contractor Life Insurance quote call 1-800-349-3890

Types of Contractor Insurance Coverage

Workers Compensation Insurance

Workers Compensation is insurance that covers your company when an employee is injured or experience illness during work related activities.  If an injury does occur at work the employee is able to receive medical benefits, wage benefits, and vocational training.  Workers Compensation Insurance is required in most states but not in the state of Texas.  There are a lot of benefits of having Workers Compensation Insurance even though it is not required.

General Liability Insurance

General Liability Insurance protects your business is injury or property damage occurs to a third party due to the actions of your company.  In today's litigious world it is important for every company to have adequate General Liability Insurance.  General Liability Insurance will pay for legal fees and all compensation due in a civil suit against your company.

Contractor Bonds

Contractor Bonds are a legal guarantee that a project will be completed as expected.  If the contractor fails to live up to his/her part of the agreement then the client is covered for losses they may have occurred.  Contractor Bonds are not required for most projects but there are strict requirements for contractors looking for government work.  And increasing amount of private companies are requiring contractors to have bonds to even bid on projects.

Commercial Auto Insurance

Commercial Auto Insurance policies are designed for businesses that use vehicles to move employees, transport equipment, or transport products.  Whether your own car or a fleet of pickups or box trucks to get things moving, you need to have Commercial Auto Insurance to protect you and others.  You can receive liability coverage, personal injury/medical coverage, collision coverages, and many more options in order to protect your company when employees are moving around.  Normal auto insurance may not always cover the liabilities that you have as a business owner.

Contractor Health Insurance

Being a contractors normally means that you are self employed, so you are on your own when it comes to finding quality health insurance.  We use the buying power of a large company in order to get you the lowest price for Contractor Health Insurance.  We have affordable, comprehensive, and meaningful health plans designed specifically for contractors like you. Health Insurance premiums are increasing by double digits daily, while coverage benefits seem to be vanishing.  We can help you to control the rising costs of health insurance without loosing any coverage benefits.

Contractors Life Insurance

Life Insurance can be just as important as General Liability or Workers Compensation insurance to your business and your family.  As a contractor you are the heart and soul of your business.  As you go the business goes.  If there was something to happen to you where you were no longer able to perform your duties as the main component of the business Life Insurance can help to fill the void.  Life Insurance just doesn't provide your family with money if you are to pass away.  Life Insurance covers terminal illness, critical illness, permanent disability, and requirement for long term care.  Protect your family and the future of your business with Life Insurance.

For an Instant Contractors Insurance quote call 1-800-349-3890

Since you are consistently trying to juggle all the aspects of your business and are often working on multiple projects at the same time, so we know you have very little free time to devote to finding the proper insurance coverage.  Also since your income can change from month to month and health insurance is the last thing on your mind during a slow month we can work with you to help you manage your plan.

Every Contractor should have regular contractor health insurance and disability insurance.  You can obtain regular Contractor Health Insurance through a private provider or you can get it through a group plan.  Disability insurance works along the same way as regular health insurance.  It can be purchased through a private provider or a group plan, but keep in mind both options will ask specific questions about your health like; your age, your gender, your life style, and your specific trade.

For an Instant Contractor Health Insurance quote call 1-800-349-3890

The Cost of Commercial Auto Insurance:

The cost of Commercial Auto Insurance  is going to come down to driving history and records of your company.  You will have to ask every driver in your company for a driving history document.  If there is a history of accidents, tickets or other safety issues you might have to pass on a particular employee hiring.  Just like your personal car insurance, vehicle values have a big part in the amount you will pay for insurance.  You will want to make sure to call your Commercial Auto Insurance holder and ask them the change in premium before you purchase a new vehicle.

Special Considerations:

Certain business must abide to federal and state regulations in the operations of their vehicles.  For example, if your business will be hauling cargo across state lines, there are Department of Transportation requirements for insurance that must be met.  It is important to that you team up with an insurance company that knows the regulations of your specific needs.

For an Instant Commercial Auto Insurance quote call 1-800-349-3890.

Being in the construction business carries some element of risk with every job.  By making sure you have the right insurance you can make sure your company is a step closer to protecting your business should an accident happen.  It does matter if you are a small builder or a commercial builder it is key to make sure that you have the right amount of coverage.  Having the wrong amount is just as bad as not having any.

Not only do you want to purchase insurance from a state licensed provider you want to make sure that you have the right coverage for your specific region.  Make sure that you review and understand all of your policies, talk to a licensed broker to walk through them with you.  You don’t always want to settle for the lowest quote, but look for the best one that fits your needs.

Important Texas Insurance Policies:

Workers Compensation Insurance was designed to pay for medical bills and wage benefits to employees if injured on the job.  Although not required by the state of Texas, Workers Compensation Insurance is an important policy to have.  In the case that you don’t have the right coverage your company is liable for paying the employees benefits.

Texas Workers Comp insurance covers medical benefits, lost wages, rehabilitation cost, and travel reimbursement.  If you do not have the coverage your company is subject to pay for all of these cost and maybe even more.

General Liability Insurance is another important part of your risk management solutions.  General Liability insurance will protect you and your company from lawsuits brought on by bodily injury, property damage, or personal injury to a third party.

If you have the right amount of coverage Texas Liability Insurance will pay from all expenses that you could incur because of the accident.  It pays for medical bills, travel, litigation expenses, and any other expense.

You can imagine how costs could add up because of a lawsuit.  You don’t want to have to pay that amount out of pocket.

The laws and regulations are always changing when it comes to insurance for contractors.  It is important to partner with a trusted broker to make sure all of your questions are answered and you receive the right coverage to fit your needs.

Go to TexasContractorsInsurance.net to get more information on Texas Liability Insurance, Texas Workers Comp, and other Contractor Insurance.

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Business Insurance is really very important for all types of business. In any type of business having business insurance is must. Without having this business insurance the employer cannot manage his business properly. This business insurance helps to cover unexpected costs due to accidents. This business insurance is more important in small business houses because one legal claim may bankrupt a company. In all types of business this Contractors Insurance is really very effective. The policy not only helps the employees but also the employers as well. Employers have the responsibility of providing a safe working place to its employees. If any employee gets injured during work, the employer has the responsibility of providing compensation. Having this insurance policy will help the employer in providing compensation to its employees. Having this insurance policy has been required by law and this law has been implemented in all most all the states of United States.

Types of Insurance for Small Businesses:

Workers Compensation

Workers Compensation is insurance that covers your company when an employee is injured or experience illness during work related activities.  If an injury does occur at work the employee is able to receive medical benefits, wage benefits, and vocational training.  Workers Compensation Insurance is required in most states but not in the state of Texas.  There are a lot of benefits of having Workers Comp Insurance even though it is not required.

General Liability Insurance

General Liability Insurance protects your business is injury or property damage occurs to a third party due to the actions of your company.  In today’s litigious world it is important for every company to have adequate General Liability Insurance.  General Liability Insurance will pay for legal fees and all compensation due in a civil suit against your company.

Contractor Bonds

Contractor Bonds are a legal guarantee that a project will be completed as expected.  If the contractor fails to live up to his/her part of the agreement then the client is covered for losses they may have occurred.  Contractors Bonds are not required for most projects but there are strict requirements for contractors looking for government work.  And increasing amount of private companies are requiring contractors to have bonds to even bid on projects.