The Best Commercial Packages for Small Businesses
March 17, 2020

Planning business insurance is not as easy as one would think. It is crucial to sort out different insurances to obtain the perfect commercial package combo. Make sure to have these in your business package.
- General Liability Insurance
Liability insurances serve as protection to your man-power and assets. Accidents may occur at any time, and it is your responsibility to give your employees hospital benefits. Property damages are also covered by these insurances. - Property Insurance
Property insurances cover your business establishment, including your office equipment, tools, and inventory. In cases of emergencies such as fire, you are protected by recovery costs to avoid business bankruptcy. - Professional Liability Insurance
This protects the business from the consequences of service failures. General liability insurances do not include service damage, which is why this policy must be obtained. Service providers such as law firms, accountants, notaries, salons, human resources, and many more are vulnerable to service errors and failures. - Data Breach
This insurance secures business that stores sensitive and private information. Companies that store data on computers, servers, or in the paper are vulnerable to data theft. This policy will give you protection against possible loss. - Personal Automobile Insurance
This auto insurance covers all road vehicles such as trucks, cars, motorcycles, and more. It protects asset damages and bodily injuries caused by a road accident. - Personal Umbrella Insurance
Personal umbrella insurance serves as an extension to the insurance coverage you currently obtained. It extends the regular coverage of the policy and gives you a more flexible guarantee perfect for big businesses. This covers a variety of protection, such as liability, property, and auto insurances.
Unexpected events may come to any business. As business owners, you must protect your business by equipping yourself with the necessary protection. Pick the right insurances that suit your business and extend your profitability and productivity. To maximize your business insurance capabilities, consider adding these to your commercial package.
- Business Owner’s Policy (BOP)
- Commercial Auto Insurance
- Worker’s Compensation
- Directors and Officers Insurance
- Life Insurance
Protect you, your employees, assets, and business from unpredictable catastrophes. Be informed and choose the right business insurances to secure your money maker. Build your business insurance and get the best security.
At Brad Spurgeon Insurance Agency Inc., we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at
(409) 945-4746. You can also request a free quote by
CLICKING HERE.

September 15, 2026
If you own a home in Texas City, you already know windstorm insurance isn't optional, and you've probably felt the sting of the premium on your renewal notice. Years of active hurricane seasons along the Gulf have pushed rates higher across the board, but that doesn't mean you're stuck accepting whatever number your ca

September 9, 2026
Mold has a way of showing up in Texas City homes when you least expect it, and Gulf Coast humidity doesn't make it any easier to avoid. Between hurricane-season moisture, everyday humidity, and the occasional leaky pipe or roof, it's one of the more common issues local homeowners run into, and also one of the more misu

September 9, 2026
Owning a home along the Texas Gulf Coast means living with a level of risk most inland homeowners never think twice about. Between hurricane season, hail storms rolling in off the Gulf, and the ever-present threat of flooding after a heavy rain, a homeowners policy here has to work harder than it does almost anywhere e

September 9, 2026
Most Texas City homeowners assume that if their house takes on water, their homeowners policy has them covered. It doesn't, and finding that out mid-claim is one of the most expensive surprises a Gulf Coast homeowner can face. Flood damage is excluded from every standard homeowners and commercial property policy in the

August 19, 2026
Kids explore everything, and that curiosity is part of what makes childhood fun — but it also means everyday spaces in your home can hide risks you might not think twice about as an adult. A few thoughtful changes around the house can prevent the kinds of accidents that send families to the emergency room every year.

August 17, 2026
It's a question we hear often in Texas City, especially once a tropical system starts showing up in the forecast: can I still get flood insurance now, or is it too late? The honest answer is that it depends on your policy type and timing, and understanding how flood insurance waiting periods work can save you from a co

August 10, 2026
Living near the Texas Gulf Coast means flooding isn't a rare or distant threat — it's a real possibility every hurricane season, and sometimes even after a heavy afternoon thunderstorm. Whether you're right along the water or a few miles inland, knowing how to prepare, evacuate, and recover safely can make all the diff


