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Annual Vol: $1 million - $3 million
DUNS: 07-960-6978
Local Business Enterprise Woman-Owned Small Business
Our Licenses:
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Issuer: Texas Department of Insurance
Qualifier: Nafisa Shatry
Expiration: January 31, 2023
View License:
Issuer: Arizona Department of Insurance
Qualifier: Nafisa Shatry
Expiration: January 31, 2023

Featured Article

Commercial Insurance Breakdown: Let’s Give The Basics
Ashley N.
Sep 24, 2021

Understand Business Insurance, Business Insurance Coverage, and How Business Insurance Works 

Is your business in need of protection? Maybe you fear the unknown with your business. Perhaps you feel you are not paying for the right commercial insurance. 

That is why it is important to understand what business insurance is, what business insurance covers, and how business insurance can cover your business in the event of an accident or loss. 

Understanding your insurance policy is our biggest concern at LKA Insurance. We want you to succeed within your business matters stress-free by knowing your business is covered by commercial insurance. 

 What is business insurance? 

Business insurance, also known as commercial insurance, is your business's way of keeping your company financially safe from unpredictable accidents. 

Every business operates differently, and that is why commercial insurance is tailored to every individual company. Regardless, business insurance protects your business from hefty financial losses. 

How does commercial insurance tailor to my business? 

All commercial insurance policies are tailored to each specific business. Aspects include the size of your company, the number of workers you employ, different types of material you utilize, ownership of business vehicles (if applicable), and other factors that determine specific coverage options. These coverage options support your business to protect your company’s financial assets. 

What does business insurance cover?

Business insurance covers a variety of commercial operations including: 

  • General Liability Insurance
  • Professional Liability and Malpractice Insurance
  • Product Liability Insurance
  • Property Insurance
  • Commercial Vehicle Insurance
  • Workers’ Compensation
  • Loss of Income
  • Key Person Insurance
  • Cybercrime Insurance
  • Records Retention Policies
  • Specialty Coverage

Business insurance covers liability claims from injuries from other people; loss due to negligent and wrongful acts that lead to another person’s loss or injury—damaged products or illness or death that may occur from a faulty product. It also covers losses of physical business property due to a natural disaster, vehicle collisions and vehicle property damages, employee injuries on the job, and more. 

How does Business Insurance Work?

 At LKA Insurance, we promise to provide financial protection to your business in the event of a specified loss. We organize your business details to ensure that any potential losses are covered within your business insurance policy. 

In the event of a loss, you would file a claim with us based on your policy agreement. An adjuster would then assess the damages and process the claim with LKA Insurance. Your business will then be reimbursed for the appropriate amount of funds for the loss, less any deductible. 

Processed claims have different factors, including the size, if it can be settled with an insurance payment, or if it needs to be handled with a lawsuit. 

How much does business insurance cost? 

The cost of business insurance depends on multiple factors. It all comes down to your business and the correct coverage option that is best for you for that specific commercial operation. 

On average, most business insurance coverages are $200 per month. However, the size of your business and the physical location play a significant role in your monthly premium. 

The best way to lower your commercial insurance premium is by practicing effective risk management within your business. We promise to give you affordable, effective, and reliable commercial insurance for all of your needs by using LKA Insurance. 

Give us a call today at (832) 230-5408 or visit our website for more information, and get your business the insurance coverage it deserves! 



Our Story

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LKA Insurance Agency is the Contractor's One Stop Shop providing General Liability, Commercial Auto , Excess/Umbrella, Workman's Compensation, Builders Risk, Contractor's equipment (and much more) for commercial contractors in all trades and multiple states. Whether you are a one man show or a bigger company, we've got you covered!  LKA Insurance Agency is able to offer our clients various options to best suit their individual needs. We work with a variety of trusted companies, and by providing clients with a selection of choices, we can customize the policies and coverage to best serve the unique circumstances. Our agency is an established leader in providing quality protection and customer service for thousands. We have taken great care in selecting the insurance companies that we represent, ensuring that they have an outstanding reputation.  Visit our website , or just give us a call! We love our Contractors!


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Products/Services Relating to Insurance

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Public Private
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Service Work/Repairs
Airport Runway
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San Antonio and Austin
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Preferred Brands & Manufacturers

Progressive Insurance
Progressive Insurance
Lloyds of London
Lloyds of London
Liberty Mutual
Liberty Mutual
Zurich Insurance
Zurich Insurance
CNA Surety
CNA Surety
US Assure
US Assure
The Hartford
The Hartford
State Auto Insurance
State Auto Insurance
Guard Insurance
Guard Insurance
Great American Insurance Group
Great American Insurance Group
Texas Mutual
Texas Mutual

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Member of National Association of Women in Construction Houston - 0003 Houston - 0003
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