Commercial general liability insurance is a must-have for any business, from mom and pop shops to contracting and construction. This type of insurance covers your business against the cost of bodily injuries or property damage caused by conditions at your building, operations in progress, and completed operations.
Whether you’re managing employees, clients, suppliers, merchandise, and more, the possibility of accidents or lawsuits is always present. The team at Dean & Draper will ensure you understand all your risks -- regardless of your business size -- and help craft a policy that’s right for you and your company.
The commercial insurance brokers at Dean & Draper know how rewarding it is to open a business and watch it grow. Let us help you protect it with the right commercial property insurance plan. Business property insurance coverage protects you and your company's physical assets and the continuity of your business operations regardless of whether or own, rent, or lease your building against claims dealing with property damage. Our policies cover all types of properties, including offices, warehouses, farms, construction sites, and ranches.
For many businesses, the use of corporate vehicles is a necessity. Whether you’re using a van to shuttle employees around, a truck to deliver products, or a semi to move heavy equipment, we can help identify an ideal auto insurance policy for your fleet. Our team will look at all the most important factors like driving history, amount of vehicles, and how often you use them. Additionally, we can cover cars, vans, trucks of all sizes, and flatbeds.
The chance of accident and injury to your employees or workers under your supervision is always a possibility. With a worker’s compensation insurance plan in place, you can provide coverage for medical expenses, lost time/wages, and potentially save your company from fighting a hefty lawsuit.
When you are a client-serving business, people come to you for your experience and advice in your particular industry. Your customers put their businesses in your hands, and may look to you for responsibility if a mistake causes them financial hardship. Professional liability insurance offers coverage for mistakes made by you or someone at your company.
Sometimes, your company’s general liability insurance is too small to cover all the related costs associated with a corporate lawsuit. A business umbrella or excess liability insurance policy can provide the extra coverage you need that other typical commercial policies don’t include. In other words, if a liability claim is large enough to exhaust the limits of the general liability, product liability, or commercial auto policy, your commercial umbrella or excess coverage could kick in and handle the rest of your expenses. Our team can help you determine how much coverage you need at a competitive price.
A commercial bond can help assure your GC or client is paid when promised services are not delivered or if an employee decides to take from your company. Bond can even ensure you are appropriately licensed to perform work in local areas. From the smallest bonds to multi-million contacts, the Dean & Draper team can find the right solution.
Interested in purchasing a bond? Click this link. Need help with a completion bond? Fill out the form on this page to speak with a Dean & Draper associate!
Buildings under construction can be damaged by accidents, robberies, and extreme weather, leaving the building owner liable for the costs. With a Builders risk policy, we can help make sure you aren’t left with costly building repairs, material replacements, and legal fees should damage affect your building site. If you aren’t the building owner, but the contractor, you can also purchase a risk insurance policy for protection. Whatever the situation, our team will help you choose a policy covering your building’s specific requirements.
Directors & Officers insurance offers protection to a company’s directors and officers individually against lawsuits related to management decisions. Lawsuits against directors or officers have increased over time, and can potentially be so costly a business may shut down. Helping shield your corporate management can help protect your company as a whole.
As more lawsuits from employees against their employers pop up, your business needs to be prepared. An employment practices liability insurance policy can help assure you have the proper coverage to protect you and your business.
For homes and businesses located in low-lying Houston and throughout Texas and the Gulf Coast regions, flooding is a real and severe danger. It’s also a serious threat in other areas of the country. Flood insurance is not included in general liability insurance and often is excluded from property policies, so many turn a blind eye to it. At Dean & Draper, our goal is to ensure your business is fully protected against all threats, including operating within a flood zone.
No matter what industry your business operates in, accidents can happen. Occupational accident insurance is an alternative to worker’s compensation. This type of insurance takes care of your employees and keeps your company financially stable at the same time. Independent contractors, like truckers and other drivers, can purchase occupational accident insurance as well. Although similar, Occupational Accident policies are not the same as Statutory Workers Compensation Coverage and our team can help you navigate the difference between both.
If your business is always on the move (literally), you want to manage all the risks associated with your fleet. Whether you’re a single Owner Operator, Regional Materials Hauler, or manage a National Fleet, you need an insurer whose dedicated transportation team can keep you stay on the road. The Dean & Draper team will help build you a tailored program to protect your company.
Our specialties include commercial insurance, personal insurance, employee benefits, and risk management.
The service and knowledge you have access to when you work with our company is invaluable. Our team is dedicated to working with our clients and personalizing their insurance to best fit their needs. Our clients are able to speak with a real person, someone who lives and works in the area, who has a desire to serve their community.
We are not looking to be a quoting machine. We want to build partnerships and long term relationships with all our clients. This involves getting to know you in a series of personalized meetings, where we focus on developing a solution that will meet your needs and works with your timeframe. We’ll engage in meaningful conversation, ask the right questions, cultivate a partnership, empower you to make strategic decisions and execute your solution.
The team at Dean & Draper Insurance Agency have over 500 years of combined experience in providing exceptional commercial insurance services to businesses like yours at affordable rates.
Dean & Draper Insurance Agency represents some of the best insurance companies in the country, and we can provide a commercial insurance policy that will fit your unique needs at a competitive price.