Serving the unique needs of businesses in Corpus Christi and all of Texas.

Commercial Insurance


One of the most common types of business insurance, commercial property insurance, provides a wide range of coverage for buildings, inventory, equipment, tools and more.  Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment.  It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection for the driver and passengers of the policyholder's car.

General liability, also know as "commercial liability insurance: is a broad commercial insurance policy that covers general liability exposures of a business.  Insurance By The C Agency recommends that all businesses have general liability coverage in place.

Commercial Property Insurance

Building

Do you own a commercial building?  If so, do you have enough commercial property insurance to cover replacement costs?  Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building.

Flood

Most commercial property policies exclude flood as a covered cause of loss.  A separate policy, must be purchased to protect you from resulting damage.  Check your current property insurance policy to be sure you are covered.  

Business Personal Property

Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory.  Be aware that most commercial property policies have very limited coverage for property taken off the specified location.  If you have equipment that is frequently take off-site to various locations. it is important that you have an inland marine policy.

Business Income

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed.  It applies while the premises are being restored because of damage from an event, such as a fire.  Business income insurance may also cover financial losses that occur if civil authorities limit customers access to your neighborhood or business after a disaster.

Commercial Auto Insurance

Hire/Non-owned Auto Liability

Are you renting cars or are your employees using their own vehicles?  This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business).  Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Use of Personal Vehicles

Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales, or a pizza delivery business. 

Every business is unique 

Contact Insurance By The C Agency today to find out how to get the best commercial auto insurance, service, price and value.

General Liability Insurance

What you need to know...

Professional Liability Insurance 

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party's data.  This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers, and technology companies.

Employment Practices Liability Insurance

EPLI for employers covers employment-related liabilities other than on-the-job injuries.  This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees' legal rights.  If you have employees, Insurance By The C Agency recommends considering this type of coverage.

Directors and Officers Insurance

D&O covers director and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company.  There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage.  D&O policies may be broadened to include coverage for employment practices liability as well.

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