
Manejar un negocio tiene riesgos reales y la protección correcta hace la diferencia. Compártanos algunos datos de su empresa y le ayudamos a armar la cobertura que de verdad necesita — General Liability, Workers’ Compensation y Umbrella. Le explicamos todo sin rodeos, buscamos cómo ahorrarle dinero y nos aseguramos de que su negocio quede protegido sin pagar de más.
$0 down at Cowboy Insurance means that as a new personal-auto client, you pay no agency fees to start your policy. The only cost required is the first month of your insurance premium, which goes directly to the insurance company, not to us. This allows you to start coverage without extra charges, though restrictions apply based on your driving history, and eligibility.
General Liability protects your business when you cause damage to other people or property while performing your work, while Workers’ Compensation covers your employees if they get injured on the job, including medical costs and lost wages. In simple terms, General Liability protects your business from others, and Workers’ Comp protects your workers — and protects you from being held financially responsible for workplace injuries.
Personal auto insurance is designed for everyday use like family driving, personal errands, and commuting, while commercial auto insurance covers vehicles used for work — transporting tools, hauling equipment, driving for your business, or having employees operate the vehicle. If you use your vehicle to make money, carry work materials, or run business-related tasks, you need commercial auto, not personal auto.

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