Texans Insurance Group

Of all your company's specialized needs, few are more important than an agency that understands each and every one.
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Real Estate Insurance

Minimize Your Risk
As a real estate professional, you are expected to know a lot about the area you work in. From state and local real estate laws, to neighborhood knowledge, to detailed analysis of prospective properties, your clients turn to you for expert advice. You look for the same qualities in your insurance company. You expect them to be knowledgeable about your business and thorough in their analysis of your coverage needs.

Coverage Specially Designed for Commercial Real Estate!

Commercial property owners safeguard the investments they’ve made in their holdings because they know the unexpected can happen. The sign outside a building blows over in high winds. A member of the maintenance crew loses the master key to a building. Smoke damage forces temporary relocation of a tenant. Events like these can put a dent in your clients’ profits — or put them out of business altogether.

With Texans’s Commercial Real Estate experience we can shape protection that truly meets your needs. We have many coverages available to protect you and your business. Our experts, with years of experience, understand the unique requirements of the commercial real estate business. Comprehensive Coverages that can include
  • Property
    • Bucket limits
    • Backup of sewers and drains
    • Newly acquired building
    • Debris removal
    • Equipment breakdown
    • Rebuilding to meet updated building ordinances or laws
    • Newly acquired business personal property
    • Enhanced building definition includes glass; outdoor fences; signs; outdoor trees, shrubs and plants
    • General Liability
    • All-risk legal liability
    • Blanket additional insured (where required by contract)
    • Broadened named insured
    • Increased premises medical payments
    • Per-location annual aggregate
Additional coverages can include
  • commercial auto
  • commercial inlandmarine
  • umbrella
  • workers compensation
  • ocean marine
Effective risk control Building comprehensive risk control programs into an operation is the best way to protect it. Texans Risk Control experts can help reduce or eliminate losses through a customized loss-prevention program that involves ...
  • Liability hazard review
  • Sprinkler system evaluation
  • Crime potential and protection
  • Specialized property hazards
We also can offer customers worldwide protection through our ability to globalize our package policy and to secure foreign local policies with our extensive foreign correspondent network.

If your personal identity were stolen, could a poor personal credit report negatively affect your business? Could you afford to take the time away from your business to reinstate your identity? If your customer records were stolen, would your insurance cover the expense of the time it takes to research and re-create all the photos, sketches and written information included in each report?

Coverage Specially Designed for Realtors!
Texans Insurance offers Real Estate Errors & Omissions coverage designed for many real estate professionals. Coverage is available in most states up to a limit of $5 million. Here are just a few of the typical policy’s features:
  • Availability of prior acts coverage
  • Defense coverages for disciplinary proceedings
  • Lockbox/keyless entry claims up to a limit of $50,000
  • Discrimination defense coverage – $100,000 limit with additional limits available
Planned For Your Needs
Here are a few examples of the some of the coverage that is available:
  • Computers & Media
    Provides coverage for your computers, peripheral devices and media. Coverage is also provided for the costs to research, replace or repair lost or damaged data and software as a result of covered damage to computer equipment, certain power failures, or a computer virus. Business Income Coverage also applies to computer equipment, data and software.
  • Laptop Computers (Worldwide Coverage)
    Extends property coverage to your laptop, PDAs and similar portable computer equipment and accessories anywhere in the world, including while in transit. *Not covered if checked as baggage.
  • Business Personal Property Off-Premises
    Protects your business property up to a set amount for losses that occur while in transit in a motor vehicle that you own, lease or operate, or while at a premises that you do not own or lease.
  • Valuable Papers & Records
    Protects the value of your time, work and research to re-create your customer records or files if they are damaged or destroyed by a covered loss.
  • Building and Business Personal Property
    Your policy can contain coverage to repair or replace your building and any equipment, stock, furniture or fixtures that you own. There’s a lot of business property coverage available, such as:
    • Identity Recovery Coverage for Business Owners
      Provides Identity Recovery Coverage and services, such as:
      • Identity Recovery Help Line for policyholders who suspect they are identity theft victims.
      • Identity Recovery Case Managers who can greatly speed the recovery process.
      • Expense reimbursement up to $15,000 for covered expenses arising out of a defined identity theft event.
      – Business Income
      Reimburses you for your actual loss of earnings for up to 12 months resulting from a covered loss to your property. Extra expenses needed to continue your operations, such as renting temporary shop space, are also covered.
    • Equipment Breakdown
      Covers the cost to repair or replace equipment, such as computers, air conditioners, phone systems and steam boilers from loss or damage caused by mechanical breakdown or artificially generated electrical current.
  • Business Liability Your policy can provide your business with legal liability protection against claims of injury or damage caused to others by you or your employees. For example:
    • Property Damage to Property of Others
      Provides protection for property damage caused by you or your employees to property of others.
    • Personal & Advertising Injury
      Covers you for offenses you commit in the course of your business, such as libel, slander, disparagement, or copyright infringement in your advertisements.
    Other Important Coverages Available
    • Commercial Auto Coverage
      Your policy can protect you against financial loss resulting from accidents involving the vehicles you use in your business. Texans offers valuable enhancements, such as excess coverage for hired autos, and the extension of liability coverage to vehicles leased in the name of an employee on your behalf and at your direction.
    • Umbrella Coverage
      Provides up to $10 million of additional liability protection.
    • Workers’ Compensation
      Our state-of-the-art managed care and Return-to-Work program will help you get your employees back on the job as soon as possible.
    That’s Not All
    To all of this we can add the convenience of flexible premium payment plans, an electronic funds transfer plan, and 24-hour, toll-free claims reporting.

    All business insurance is not the same. At Texans we act on emerging insurance needs and provide convenient, cost-effective and quality coverage for your business.
    • Copyright © 2006-2007 Texans Insurance Group. All Rights Reserved. Phone: 800.707.6677