Commercial Property

Whatever purpose your commercial property serves, you need to protect it from the unexpected. As a small business, too, we understand your challenges and can help you understand your coverage options so you can select the coverage you want.

General Liability

Regardless of the size of your business, you should remain aware of the financial hazards you expose yourself to if you choose to not buy general liability insurance for your company. Lopez Advisors will make sure you understand all the risks and will help you identify the right policy for you and your business.

Workers' Compensation

Whether you work in an office environment that requires minimal manual labor or whether you employ people for warehousing, construction, or other blue-collar jobs, the chance of an accident occurring on your company's premises is always a possibility. To avoid financial liability for medical care and the costs associated with a potential lawsuit, it is imperative that you consider a worker's compensation insurance plan for your business.

Commercial Auto

Whether your vehicles shuttle employees to and from meetings, deliver cargo across the country, or transport equipment your company uses to provide services, a solid corporate auto insurance policy is a necessity. Most Texans have significant commutes every day, so the notion of an accident on the road affecting even the best Texas driver is not far-fetched. The commercial insurance specialist at Lopez Advisors can help identify the ideal business auto insurance policy for your company's fleet.

Commercial Umbrella

Can your business manage to stay afloat after a costly lawsuit? Today, corporate lawsuits are unfortunately all too common. Even sadder, some company’s general liability insurance is often too small to cover all the related court costs, medical bills, and other expenditures related to the lawsuit. So, where do the remaining funds come from: your profits, your investors, your employees?Fortunately, a business umbrella insurance policy from Lopez Advisors can provide the coverage you need in excess of what your other typical commercial policies handle. In other words, in the event that a liability claim is large enough to exhaust the limits of the general liability, product liability, or commercial auto policy, your commercial umbrella coverage kicks in and handles the rest of your expenses.

Errors and omissions

(Professional Liability Insurance)

Your clients come to you for your expertise. If they could offer themselves accurate legal or financial advice or build their own software, they would. Because they cannot, they rely on your extensive experience and knowledge in your particular industry to help deliver successful products and decisions for them. They essentially put their businesses in your hands. When you make an inevitable mistake or omit a detail that causes them financial loss, they will hold your responsible. This is where professional liability insurance has you covered.

Builders Risk Insurance

Just as accidents, robberies, and extreme weather can damage a completed home or commercial structure, buildings under construction are susceptible to the same destruction. Lopez Advisors wants to make sure that as the owner, you will not be held liable for the damage to your building in these events. Our builders risk insurance policies cover a number of risks including: theft of materials on site, damage due to fire, flood, wind, hurricane, vandalism of the property or materials, and accidents that occur on site. Accidents are going to happen, just make sure you are prepared when they do.

Employment PRactices Liability Insurance (EPLI)

Employee/employment practices liability insurance is designed to protect employers from lawsuits brought on by employees. In Texas, these policies cover you, your company, and upper management. EPLI insurance policies cover issues related to: sexual harassment, discrimination related to gender, race, disability, or age, wrongful termination and more. Lopez Advisors will work together with you to assure you have the proper coverage to protect you and your business.

Commercial Flood Insurance

For many businesses in Houston/Harris County and across Texas flooding is a real and serious danger. After the Tax day flood, Hurricanes Rita, Ike, and Harvey, most of us would think that purchasing commercial flood insurance would be a no-brainer, but there are unfortunately many businesses that choose to turn a blind eye to the possibility of flooding. At Lopez Advisors, our goal is to make sure you are fully aware of the risks associated with owning a commercial property in a flood zone and to insure your Texas commercial property with the appropriate amount of coverage to take care of you in the case of a flood.