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No matter the size or scope of your business, having the right insurance matters. SOGO Insurance helps San Antonio companies—from single-person contractors to large corporations—find commercial coverage that fits their needs and budget. We simplify the process of comparing providers, understanding requirements, and securing policies that protect your business, your team, and your future.
Getting the right commercial coverage doesn’t have to mean juggling quotes or second-guessing your options. At SOGO Insurance, we compare plans across multiple top-rated Texas carriers to help you secure cost-effective business insurance without wasting time. You won’t have to navigate confusing policy language or negotiate with multiple brokers—we handle the details with your best interest in mind.
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Whether you’re a new business owner or managing operations at scale, our team helps simplify the process. Need to work with a bilingual broker? Just let us know.
We know that you cannot outrun your risk, but you can be ready for it. What if a hurricane causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right protection, you won’t have to. Our insurance advisors can help you identify gaps in coverage, look for ways to save money and keep your assets and income protected.
A business owners policy combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.
No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.
Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.
Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.
Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.
Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.
As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.
Errors & omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.
Directors & officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.
At least 25 percent of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.
Every company, regardless of size, is a potential target for white collar crime. We’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.
Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, theft and more.
The stress and cost of organizing a special event is tough enough. The last thing you need to worry about is the financial risk you could face if something were to go wrong! Special event insurance removes this burden and allows you to focus on the event.
No matter the industry, every growing business needs to review their risk management plan to make sure they can overcome anything that might come their way.
Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.
Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.
Systems breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. We’ll design comprehensive coverage to protect your business against a financial disaster.
Key man life insurance or Key-person life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure continuity of your business for employees, customers and creditors.
Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mismanagement of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled responsibly and your trustees are protected.
Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.
Business is booming, and your company attends a local beer festival to promote your new summer beer. Unfortunately, when handing out samples
A church is so much more than a place of worship—it’s also a community center, an employer and oftentimes, a home. We offer customized insurance options that fit all of these unique needs.
Contractor insurance isn’t one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business’ unique needs are protected.
Condo building insurance can be complicated. Specialty condo insurance recognizes the many different risk types and provides clarity regarding which parties are responsible for covering which risks.
The risks associated with owning a dealership are diverse, no matter what you sell. From workers’ compensation to coverage for customers’ vehicles, we’ll help you navigate the complexities and design a policy that keeps your business running smoothly.
It can be overwhelming to think about insuring your farm or ranch if it’s both your home and your business. Farm insurance eliminates the confusion and allows you to simplify your insurance into a single policy.
As a gym or fitness center owner, customer waivers are usually not enough to protect you from potentially damaging financial risks. A specialty fitness center insurance policy can fill the gaps.
Fleet insurance in San Antonio, TX and surrounding areas. Fleet insurance is the simplest way to cover all of the cars and trucks owned by your company with a single policy.
Garage repair shops face high financial risks simply because of the nature of the business. A specialty insurance policy can protect your Auto Repair shop from potentially devastating financial losses.
Golf is a relaxing pastime that many people enjoy, but operating a golf course isn’t such a walk in the park! Specialty golf course insurance can protect your business from financial risks associated with property damage, extreme weather, liquor liability and much more.
Conducting business outside the country comes with its own unique set of risks and liabilities. Coverage options vary, so our experts will sit down with you to determine what your business’ needs are and how we can keep them protected.
Manufacturers come in all shapes, sizes and product lines. But no matter what type of manufacturing business you’re in, there’s one thing in common: the need to protect your business. We can help you design the right manufacturer’s insurance policy.
Just as your patients need to maintain insurance coverage, so should you. Your medical office comes with a unique set of risks and a specialty medical office insurance policy can keep you protected against a loss.
Even though your non-profit organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We’ll help you design a non-profit insurance policy that covers your organization’s unique needs.
When your business handles services that are very personal, it’s important to have the right insurance in place to protect your clients and your business. Professional services insurance is a great way to manage this.
If you manage residential or commercial properties, you face a diverse set of risks and potential losses. From liability issues to damage protection, we’ll help you navigate the world of property manager insurance and design coverage that’s a perfect fit.
Real estate investment is an exciting, and sometimes risky, venture. There are unique liabilities and factors to consider when insuring your property. We’ll help manage those risks and keep your investment protected.
Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.
As a small business owner, you have a lot to think about. Customized retailer insurance coverage can help to take some of those worries off of your plate.
Technology firms face unique risks due to the nature of their work. Specific tech firm insurance can help to combat and prevent these risks.
Does your company make use of commercial trucks? If so, you may need to consider commercial trucking insurance, which covers more risks than your typical auto insurance would.
As a wholesaler or distributor, your business has heightened risks because of the amount of stock kept onsite. A specialty wholesaler and distributor insurance policy protects you from the unique financial risks associated with this type of business.
Parents trust day care centers with their children from the earliest days. As with any facility that caters to the care of young ones, there are special risks in addition to the ordinary risks of running a business. Our specialized insurance policies will keep you and your child care center covered.
Schools can be a second home for the families they serve. Protecting this community hub is crucial. Having the right insurance in place for a school’s unique needs can make all the difference when an incident occurs.
Wineries have elements of many types of businesses – they’re part manufacturer, part event venue, and some may offer a wine bar that’s open to the public. Insurance for these unique risks requires specialized coverage.
In a relatively new industry like cannabis, it’s often confusing to know what type of coverage you need. From general liability to product storage, we’ll help you sort out the risks and design a policy that helps your business as it grows.
Insuring a nightclub or bar in Texas is not the same as insuring any other business. These establishments require specialized coverage that takes into consideration the unique risks that nightclubs and bars face.
Insuring a municipality can be complex. There are many different types of risks associated with running a city or township, including protecting its citizens. Keeping in mind what’s best for everyone and everything means having the proper coverage in place for every situation.
There’s more to the aviation industry than planes. Insurance for this industry needs to encompass all the various moving parts. From the hangar to the runway, it all has to be covered. To insure these unique risks, specialized knowledge is a must.
Whether you own a hair salon, rent a chair in one or have a Day Spa or Barber Shop, you can agree that your business is your livelihood and you want to do everything in your power to protect it. But while you are making your clients look and feel their best, finding the best insurance options that fit your profession can be time-consuming.
There are all sorts of scary scenarios where your food-based business may find itself on the ugly side of a lawsuit. Protect it with a customized, food truck insurance policy that fits your company’s specific needs.
Your Home. Your Business. Your Rules. But, your home-based business often time’s can’t be covered under your standard homeowner’s policy. Protect your dreams with a customized, insurance policy that fits your company’s specific needs.
Insurance can provide ample ransomware protection in the event of a ransomware attack. In fact, there are a number of actions that must be taken once your business has experienced a cyber hack.
Think Life Insurance, but for our Law Enforcement officers. This coverage protects officers against wrongful activities or operations of any of the named insureds organization.
Get the protection you need for your Airbnb, Vrbo, or other short-term vacation property.
Get the protection you need for your bar.
Explore Complete Habitational Coverage for Property Owners, Landlords and More.
A business owners policy combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.
No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.
Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.
Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.
Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.
Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.
Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.
As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.
Errors & omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.
Directors & officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.
At least 25 percent of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.
Every company, regardless of size, is a potential target for white collar crime. We’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.
Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, theft and more.
The stress and cost of organizing a special event is tough enough. The last thing you need to worry about is the financial risk you could face if something were to go wrong! Special event insurance removes this burden and allows you to focus on the event.
No matter the industry, every growing business needs to review their risk management plan to make sure they can overcome anything that might come their way.
Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.
Systems breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. We’ll design comprehensive coverage to protect your business against a financial disaster.
Key man life insurance or Key-person life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure continuity of your business for employees, customers and creditors.
Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mismanagement of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled responsibly and your trustees are protected.
Business insurance costs in San Antonio depend on several factors, including your industry, number of employees, location, and the type of coverage you need. Instead of offering a flat rate, providers assess risk levels to generate quotes based on your business profile. SOGO Insurance helps you compare business insurance quotes from multiple carriers so you can understand your options and find the right level of protection—without overpaying.
The type of coverage you need depends on your operations. Most Texas businesses start with general liability insurance. If you have employees, workers’ compensation may be necessary. Other policies—like commercial auto, property, or professional liability—may also be relevant. We help assess your needs and identify the appropriate protection.
Yes. Even small operations benefit from coverage that protects against third-party claims or property damage. Whether you’re self-employed or growing a team, our advisors will walk you through your options and help you find a policy that fits your business’s size and goals.
Absolutely. SOGO Insurance simplifies the quote process by comparing multiple providers on your behalf. That means less time shopping around and more confidence that you’re getting the right coverage at a competitive rate.
General liability typically covers third-party bodily injury, property damage, and personal injury (like slander or advertising issues). It’s considered essential for most businesses across Texas, whether you operate a storefront or offer professional services.
Finding affordable coverage starts with comparing providers. We have access to exclusive rates and a wide network of commercial insurers. Our focus is helping you secure business protection that meets your needs—not selling add-ons you don’t.
An insurance company sells only its own policies. A broker, like SOGO Insurance, compares coverage from multiple carriers and works in your best interest. That usually means more choice, better pricing, and coverage that’s aligned with your goals—not just theirs.
Not all businesses are required by law to carry commercial insurance, but many industries do have mandates. For example, commercial auto insurance is required for business-owned vehicles, and workers’ comp may be needed in some sectors. Having proper coverage also helps reduce liability and protect long-term operations.
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At SOGO Insurance, we focus on helping clients secure the best insurance rates by working with top-rated national and regional carriers. Our dedicated brokers deliver a personalized experience, empowering clients to choose from various coverage options.
