Business Insurance — Micon Insurance Agency | Bedford, TX
Business owner protected by business insurance
Business Insurance

Keep Your Business Running, No Matter What

You've built something worth protecting. Our business insurance solutions are customized for your industry, your size, and your specific risks.

Overview

Why Business Insurance Matters

Running a business means managing risk every day. A lawsuit, a fire, an employee injury — any of these can threaten everything you've worked to build. Business insurance is your safety net, ensuring that one bad day doesn't become the end of your business.

We work with small businesses, startups, and established companies across North Texas. We take the time to understand your operations, your employees, and your risks — then build a coverage package that protects you without over-insuring or leaving gaps.

Have questions? We're here to help.

(817) 623-9911
What's Covered

Coverage Options

General Liability Insurance

Covers third-party bodily injury, property damage, and advertising injury claims against your business.

Commercial Property Insurance

Protects your building, equipment, inventory, and business assets from fire, theft, vandalism, and other covered perils.

Workers' Compensation

Required for most Texas employers — covers medical expenses and lost wages for employees injured on the job.

Business Owner's Policy (BOP)

A bundled package combining general liability and commercial property coverage — often the most cost-effective solution for small businesses.

Professional Liability (E&O)

Protects service-based businesses from claims of negligence, errors, or failure to deliver promised services.

Business Interruption Insurance

Covers lost income and operating expenses if your business is forced to close temporarily due to a covered event.

FAQ

Common Questions

Is business insurance required in Texas?

Workers' compensation is not mandatory in Texas (though highly recommended), but many contracts and commercial leases require general liability coverage. We'll help you understand your obligations.

What's the difference between a BOP and individual policies?

A Business Owner's Policy bundles general liability and property coverage at a lower combined cost. It's ideal for small to mid-size businesses. Larger or higher-risk businesses may need individual policies for more flexibility.

Do I need insurance if I work from home?

Yes — your homeowners policy typically does not cover business-related losses. A home-based business policy or BOP can fill those gaps.

How much does business insurance cost?

Costs vary widely based on your industry, revenue, number of employees, and coverage needs. We'll get you competitive quotes from multiple carriers.

Ready to Get Covered?

Properly insured, because you deserve to be protected. Let's find the right plan for you today.