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FIRST COMMUNITY FINANCIAL GROUP, INC.
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      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Golf Cart Insurance
      • Motorcycle Insurance
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      • Landlords Insurance
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      • Renters Insurance
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Business Insurance

Having the proper business insurance coverage at an affordable rate can make the difference between the success and failure of your business. Allow our commercial insurance experts to help guide you to success.

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What is Business Insurance in Livingston TX?

Business insurance is a vital tool for protecting your company from unexpected risks and liabilities. As a trusted business insurance agency in Livingston TX, we provide customized coverage solutions to safeguard your assets, employees, and operations. Business insurance encompasses various policies, including general liability, property insurance, workers' compensation, and more, all designed to mitigate financial losses.

For entrepreneurs, small business insurance in Livingston TX is essential for addressing specific challenges unique to smaller operations. This includes coverage for property damage, employee injuries, or even lawsuits. With the right business insurance plan, you can focus on growing your business while staying protected against unforeseen events.
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Contact a reliable business insurance agency in Livingston TX to explore tailored options for your business needs and ensure long-term stability.

Major Types of Business Insurance

General Liability Insurance 
  • A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.
Commercial Auto Insurance
  • Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.
Commercial Property Insurance
  • Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession. Coverage can be provided on an all risk or specific perils basis.
Commercial Umbrella Insurance
  • Commercial Umbrella insurance is liability coverage that is in excess of specified other commercial insurance policies and also potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).
Professional Liability Insurance
  • Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless. 
Business Owner's Package
  • A Business Owner's Package (often called a BOP) is an insurance policy that combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
Workers Compensation
  • Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Group Health Insurance
  • Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees. 
Group Life Insurance
  • Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.
Group Disability Insurance
  • Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).
Supplemental Insurance
  • Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover.

    Contact us to learn more about the right business insurance for you.
(936) 327-4364
115 W. Polk St.
Livingston, TX 77351​
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First Community Financial Group, Inc.
115 W. Polk St.
Livingston, TX 77351
(936) 327-4364
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