Basic Form vs Special Form and What It Means To Your Texas Business

Many Texas businesses only think about their commercial insurance on three occasions. The first time is when they first purchase it. Of course, they also think about it when they get their bill. The third time may be when they have a loss. Many times the first reaction is “I hope I’m covered.” That is a bad time to ask that question.

There is no reason to live in doubt with a commercial insurance review from InsurUS. We are an independent, Texas based insurance broker. Because we are independent we are not tied to selling the loss prevention products of one company. We can review your policy no matter where you purchased it.

Do you know the difference between basic form vs special form coverage? There’s an important distinction. With basic form insurance, each covered peril is specifically laid out in the policy. If it is not listed, you are likely going to be out of luck if you suffer a loss under perils not mentioned. With special form insurance, coverage is inclusive. That means you will be covered under all perils unless they are specifically excluded in the policy. Most Texas businesses prefer special form due to the wider range of coverage it provides.

Don’t go another day not knowing. Contact InsurUS for a commercial insurance review that can bring peace of mind, and perhaps even savings. Our agents work to find you the best coverage at the most competitive pricing. Try us with your personal insurance with a hassle-free, no obligation online quote for your homeowners or auto coverage. We think you’ll like what you discover.

Discover the powerful role an independent insurance agency can play in your coverage and your costs when you contact InsurUS.