Retail Office or Service Insurance
Keep Your Business Running Strong
Running a retail location—whether it’s a store, office, or kiosk—can be incredibly rewarding, but it’s not without its challenges. To keep your business thriving, it’s crucial to have the right insurance that protects your investment from life’s unexpected moments.
What we cover
Every retailer is unique, so the coverage you need might vary. However, there are some key types of insurance that most businesses can benefit from. Let’s take a look:
General Liability Insurance
This covers accidental property damage or injuries to people (other than employees) in your store. It can also cover legal fees and settlements if someone sues you.
Commercial Property Insurance
Protects your business’s physical assets—inventory, furniture, equipment, and even your store itself. If a small fire destroys some inventory, this coverage helps replace or repair those items.
Business Interruption Insurance
If something forces you to close your business temporarily (like a fire or storm), this insurance can help cover lost income and relocation costs until you're back up and running.
Cyber Liability Insurance
Protects you from the financial fallout of data breaches, covering recovery costs, legal fees, and more.
Product Liability Insurance
If a product you sell causes harm or injury, product liability insurance helps cover legal costs, settlements, or judgments.
Workers' Compensation Insurance
Most states, including Texas, require businesses with employees to carry workers’ comp. This coverage helps if an employee is injured or falls ill on the job, covering medical bills, lost wages, and more.
Why The Ford Agency
No two businesses are the same, and neither are their insurance needs. At Ford Insurance, we offer customized coverage options to help you safeguard your business from the unpredictable. Our aim is to give you peace of mind, so you can focus on what you do best—running a thriving business.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
