Business Insurance 商業保險
Protect the business you've built. 守護您用心經營的事業。
General liability, BOP, commercial auto, and workers' compensation — bilingual guidance from a licensed Texas agent who actually answers your email. 一般責任、生意人綜合險（BOP）、商業車險與勞工賠償險 — 由德州持牌雙語經紀人親自回信、提供諮詢。
What we cover 承保範圍
Core commercial lines. 核心商業險種。
Business Owner's Policy (BOP) 企業綜合保單（BOP）
A bundle that pairs general liability with commercial property — the most common starter policy for small business. 將一般責任險與商業財產險合併的套裝保單，是小型企業最常見的入門方案。
- General liability + business personal property bundled.一般責任險加企業財產險合併保障。
- Business income / extra expense after a covered loss.受保事故後的營業中斷補償與額外費用。
- Fits retail, office, restaurants, light contractors.適用零售、辦公室、餐飲、輕型承包商。
- Optional cyber, EPLI, equipment breakdown.可加保網路責任、雇主責任（EPLI）、設備故障。
General Liability 一般責任險
Third-party bodily injury, property damage, and personal/advertising injury — the foundation any business needs. 第三方人身傷害、財產損害以及人身/廣告侵害 — 任何企業最基本的保障。
- Premises & operations liability.營業場所與作業相關責任。
- Products / completed operations.產品與完工作業責任。
- Certificates of insurance (COI) issued same-day.保險證明（COI）可當日核發。
- Add additional insureds for landlords / clients.可加列房東或客戶為附加被保人。
Commercial Auto 商業車險
Owned, hired, or non-owned vehicles used for business — from single trucks to small fleets. 自有、租用或非自有之營業車輛 — 涵蓋單車輛至小型車隊。
- Liability, physical damage, hired & non-owned auto.責任險、車體險、租用與非自有車輛保障。
- MCS-90 endorsement for interstate trucking.州際卡車運輸所需的 MCS-90 批單。
- Cargo & trailer interchange (where applicable).貨物險與拖車交換責任（依需求加保）。
- Fits contractors, food trucks, delivery, rideshare.適用承包商、餐車、配送與共乘服務。
Workers' Compensation 勞工賠償險
Texas is unusual — workers' comp is optional, but non-subscriber status carries real risk. We'll walk you through both paths. 德州較為特別 — 勞工賠償險非強制，但「非加保雇主」風險不小，我們將與您逐一分析。
- Medical, wage replacement, and employer liability.醫療給付、薪資補償與雇主責任。
- Pay-as-you-go payroll integration available.可整合按薪資申報的隨付方案。
- Class-code review to avoid mis-rating.職業分類核對，避免費率錯估。
- Audit support at year-end.年終核保稽核全程協助。
Also available 其他保險
Additional commercial lines. 其他商業險種。
Available standalone or as endorsements to your BOP. Email us for niche markets. 可單獨投保或附加於 BOP；如有特殊行業，歡迎來信。
Carrier roster 合作保險公司
Carriers we represent. 我們合作的保險公司。
Every commercial submission is shopped across standard, regional, and specialty / E&S markets. 每件商業案件皆於主流、區域以及特殊／E&S 市場中比較報價。
Auto汽車
Home & Dwelling房屋與住宅
Renters租屋
Landlord / Investor房東 / 投資物業
Umbrella傘式責任
Specialty Personal特殊個人險
BOP & General Liability綜合營業險與一般責任險
Commercial Property / Landlord商業財產 / 房東
Commercial Auto / Trucking商業車險 / 卡車
Workers' Compensation勞工賠償險
Cyber Liability網路責任險
Surety & Bonds保證書與履約保證
Wholesale & MGA批發與 MGA
Niche & Programs利基與專案
Carrier roster subject to change; appointments through SIAA / Smart Start / Express Markets. Availability varies by ZIP, risk profile, and underwriting. 合作保險公司可能異動；透過 SIAA / Smart Start / Express Markets 取得授權。可承保保險公司視郵遞區號、風險與核保條件而定。