A Business Owner's Policy (BOP) is recommended for most small businesses, as it is often the most affordable way to obtain broad coverage. Combining both property and liability insurance, a BOP will cover your business in the event of such things as property damage, suspended operations, or lawsuits resulting from bodily injury or property damage to others.
Master PacSM, Travelers Business Owner's Policy, offers a myriad of options to meet your specific insurance needs. Some businesses may find the BOP alone to be sufficient, while others may wish to tailor Travelers BOP by increasing key coverages, adding other options, or eliminating unnecessary coverages.
Our Master Pac series includes insurance protection for small businesses in the following industry segments:

• Apartment:   Travelers Apartment PacSM and Apartment Pac PlusSM are designed for owners of buildings used exclusively as apartment houses, including cooperatives.
• Building:   Travelers Building PacSM and Building Pac PlusSM are designed for lessors of commercial buildings occupied by offices, mercantile and retail establishments.
• Business:   Travelers Business PacSM and Business Pac PlusSM are designed for businesses providing personal consumer services, businesses repairing light consumer goods and businesses engaged in printing.
• Condominium:   Travelers Condominium PacSM and Condominium Pac PlusSM are designed for owners of buildings used exclusively as condominiums.
• Contractors:   Travelers Contractors PacSM is designed for primarily small residential, special trade contractors.
• Garage:   Travelers Garage PacSM is designed for independently operated or franchised automotive service and repair businesses.
• Manufacturers:   Travelers Manufacturers Pac PlusSM is designed for manufacturers of electronics, food products, leather goods, instruments, metal goods, paper products, plastic goods, rubber products, textiles and wood products.
• Office:   Travelers Office PacSM and Office Pac PlusSM are designed for a variety of firms providing medical, legal, financial or other professional services for their clientele.
• Religious:   Travelers Religious PacSM is designed for small churches and other houses of worship not affiliated with operating educational institutions.
• Restaurant:   Travelers Restaurant PacSM and Restaurant Pac PlusSM are designed for various food service establishments. Restaurant Pac is designed for fast food and family-style restaurants. Restaurant Pac Plus is designed for fine dining establishments, banquet and reception facilities and caterers, as well as the larger family-style restaurants.
• Store:   Travelers Store Pac® and Store Pac PlusSM are designed for a wide variety of retailers primarily engaged in brick-and-mortar commerce.
• Technology:   Travelers Technology Office PacSM is designed for technology firms providing computer consultation and a variety of technology services for their clientele. Travelers also offers Technology Manufactures Pac PlusSM which is designed for manufacturers of electronics and instruments products.
• Wholesalers:   Travelers Wholesalers Pac PlusSM is designed for distributors of various types of durable and non-durable domestic goods.

The Master Pac series affords a large number of built-in coverages important to protecting your small business, including:

• Business personal property (optional for some businesses)
• Building coverage (optional for some businesses)
• General liability
• Product liability
• Business income and extra expense (optional for some businesses)
• Employee dishonesty
• Equipment breakdown coverage

Small business insurance-specific coverage options are also available, such as:

• Increased fine arts coverage
• Accountants endorsement
• Lawyers endorsement
• Medical and dental office endorsement
• Eating establishment endorsement
• Spoilage coverage
• Bailees customers goods coverage

Travelers is dedicated to the small business marketplace and we are sure that you will find an insurance product that is well suited for your business.

Commercial package policy (OMNI)
Travelers OMNI product is designed for those businesses that satisfy our underwriting guidelines, but require specialized coverage tailoring unavailable in Master Pac or Pac Plus.

Contact Simons Agency today for a Business Owners Quote

817-479-6358
​Info@simonsagencyllc.com    

Welcome to our new insurance agency blog!

This is our very first post. We're not quite sure what we're going to write about here, but the plan is to create helpful content for customers and prospective clients about information that is relevant to you.

We hope you'll come to view this as a top resource for keeping your family and your finances safe.

Here are a few of the topics we may be writing about:

• Answers to clients' frequently asked questions.
• Helpful information about insurance shopping.
• Safety and Health Tips and Ideas.
• Local Community Information.

Stay Tuned!

If you find a letter in your mailbox this year stating that your homeowners insurance is going up, you can do something about it. Texas homeowner’s insurance premiums are increasing due to last year’s surge of natural disasters. Commonly believed myths about TX homeowners insurance are keeping some of you from avoiding these increased rates.

Myth #1: I Need a New Bedford Insurance Agent to Get a New Plan

Many of our customers don’t understand one of the basic principles about how our insurance agency works. We have a vast network of top-notch, A-rated insurance providers that we work with. If your Texas homeowners insurance is going up, we’ll shop around to find a better rate with a new insurance carrier.

Myth #2: I Can’t Get New Insurance until My Renewal Date

Texas insurance laws make it possible for you to switch carriers at any time, and you have not contract-based obligations to stay with your company. We can get you started on a new insurance plan today. You can call us, email us, or even fax us if you are in or near Bedford. Homeowners insurance and other personal lines are extremely competitive, and that means other companies are lining up to get you a better rate.

Myth #3: Changing Homeowners Insurance Plans is a Hassle

​Getting you set up on a new plan is a quick and easy process. We’re here to handle all of the red tape for you. All you have to do is give us some information, and we’ll take care of the rest.