What We Cover
Every business faces risk — from a customer slipping on your floor to a fire that shuts down your building for months. In Collin County alone, thousands of small and mid-sized businesses operate without adequate coverage, often discovering the gaps only after a claim hits. A single general liability lawsuit averages $75,000 to defend, even when you win.
Collin County Insurance Group is your one-call solution for business insurance across North Texas. We shop your coverage across dozens of carriers to build a program that protects your operation without overpaying for coverage you don’t need.
Who Needs Business Insurance
If you operate any type of business — whether you have employees, lease a building, own equipment, or interact with the public — you need proper commercial coverage. Homeowners policies and personal auto policies explicitly exclude business activities. We insure businesses of all types and sizes:
- Contractors and construction trades — general liability, builders risk, tools and equipment
- Restaurants and hospitality — liquor liability, food contamination, employee theft
- Manufacturing and warehousing — product liability, equipment breakdown, workers comp
- Nonprofits and religious organizations — directors & officers, volunteer liability, event coverage
- Retail and e-commerce — inventory, customer injury, and product liability
- Professional services — offices, consultants, and firms needing professional liability
- Technology companies — cyber liability, intellectual property, and E&O coverage
- Auto service and repair shops — garage liability, garagekeepers, and environmental exposure
- Real estate and property management — building owner liability and tenant improvements
- Startups and new ventures — we have markets that will write businesses with no operating history
What We Cover
General Liability is the foundation of every business insurance program. It covers bodily injury, property damage, and personal/advertising injury claims from third parties. If a customer slips in your store, or your product injures someone, GL responds. Most leases, contracts, and clients require proof of GL coverage before you can do business.
Commercial Property protects your building, equipment, inventory, furniture, and fixtures against fire, wind, theft, vandalism, and other covered perils. In North Texas, hail and wind damage are the most common property claims — make sure your policy covers these at replacement cost, not depreciated value.
Business Owners Policy (BOP) bundles general liability and commercial property into a single, cost-effective package. For many small businesses, a BOP is the most affordable way to get comprehensive coverage. We write BOPs for offices, retail shops, restaurants, and service businesses.
Workers Compensation covers medical bills and lost wages when employees are injured on the job. Texas doesn’t mandate it for most private employers, but going without it means employees can sue you directly with no cap on damages. We also offer Texas Non-Subscription plans that save qualifying businesses 25–30%.
Commercial Auto covers vehicles titled to the business or used for business purposes. Personal auto policies exclude business use — if an employee causes an accident in a company vehicle, your personal policy won’t pay.
Business Interruption replaces lost income when a covered event forces you to close temporarily. If a fire or storm shuts down your business for weeks, this coverage pays your ongoing expenses — rent, payroll, loan payments — while you rebuild.
Umbrella / Excess Liability provides an additional layer of coverage above your underlying GL, auto, and employers liability limits. For a business facing a catastrophic claim, an umbrella policy can mean the difference between surviving and closing your doors.
Inland Marine covers equipment, tools, and property in transit or stored off-premises. Essential for contractors, vendors, and any business that moves valuable equipment between locations.
Industries We Serve
We have specialty market access for industries that standard carriers often struggle with:
- Trucking and transportation — DOT-regulated operations requiring FMCSA filings
- Contractors and construction — artisan trades through large GCs
- Restaurants and bars — including liquor liability
- Manufacturers — product liability and equipment breakdown
- Nonprofits — D&O, event coverage, and volunteer liability
- Technology and cyber — data breach, network security, and E&O
- Group health benefits — medical, dental, and vision for your team
How Business Insurance Pricing Works
Your premium depends on several factors: your industry classification, annual revenue, number of employees, claims history, and the specific coverages you need. A $500,000-revenue retail shop with no claims will pay very differently than a $2M-revenue contractor with prior losses.
We review all of these factors to find savings — sometimes combining coverages into a BOP reduces your total cost, and splitting payroll classifications on workers comp can produce significant savings. Bundling multiple policies with the same carrier often earns a multi-policy discount of 10–15%.
Why Choose Collin County Insurance Group
Tony Nichols has direct appointments with carriers and MGA partners who specialize in commercial insurance across every industry. Instead of calling three or four agencies, you make one call and we shop your coverage across Combined Group, Philadelphia Insurance, Hiscox, CNA, Hartford, Berkshire Hathaway, and more.
We don’t just sell policies — we build insurance programs. That means reviewing your operation, identifying gaps, and recommending the right combination of coverages to protect your business properly. Whether you’re a startup needing your first GL policy or a $10M operation needing a layered program with umbrella coverage, the process is the same: one call to Tony, and we handle the rest.
Ready to protect your business? Contact us for a free quote today.
