Protecting one's business against liability is a mandatory necessity in today's marketplace. One lawsuit, whether justifiable or frivolous, can wreck havoc upon a business and destroy its operating capital. Business liability insurance provides a foundation for protection against legal disputes that could jeopardize the wellspring of a company's profits. It is no small matter to protect the scope of services and the company's assets, and not just any business liability policy will insure against every possible contingency unless the business is properly rated and the policy properly underwritten.

For over 25 years now, TAHI has been in the unique position of writing business liability insurance policies for almost every type of company in every part of Texas. The success our staff has experienced is due to two major factors. One is our research abilities. We insist that our agents take as much time as necessary to understand the client's type of business and scope of service in order to properly rate the company. Secondly, our previous experience in direct policy underwriting makes it possible for us to write business liability insurance with a precision and scope of coverage that few, if any of our competitors, can rival.

It is important to us that we help our clients understand what we are providing for them. Too often, business owners get in a hurry and leave it to the agent to make decisions for them because they do not have time to sit down face to face and discuss all the dynamics of their operations. With our staff, no face to face is required, and our specialized research methods reduce the amount of interface time required for us to determine a rating for a company and thus produce an appropriate business liability insurance policy. Many of our clients, in fact, come to us as with an existing business liability insurance policy that they either have questions about or flat out find confusing. After explaining the facts of their current coverage and the prices they are paying for coverage that proves less than ideal, they often switch to TAHI for both better rates and more comprehensive coverage.

By pointing this out we do not mean to cast disparity on any competing agency in Texas. It is simply a matter of fact that the components of business liability insurance are often determined by the territory the business lies in as well as the particular city the business lies in. Territories are determined throughout the state by business insurance carriers and often include perils that are more than specific to a given municipality or even major urban area. Some agencies may not be aware of “overlap” that occurs between a city rating for a company and a territory rating for a company, and gaps in coverage may result unintentionally.

By giving Texas companies a more clear understanding of business liability insurance in general, TAHI helps entrepreneurs and corporations make more quality decisions when it comes to protecting their commercial assets. No matter where in Texas a business is located, and no matter how large or small the company is, TAHI can educate, properly qualify, and effectively underwrite commercial property and liability insurance for buildings, vehicles, equipment, and even intangibles such as advertising liability—all at a price that is fair and affordable.