Are you searching for a Pearland TX General Liability Insurance policy? If so, consider contacting the professional insurance agents at Texas Insurance Agency. Our expertise is just what you need to find the right insurance plan for your commercial business. Furthermore, we have experience working with clients of all occupations!

The Texas Insurance Agency has been in the business of helping clients since 1999. We have served thousands of customers in that time, helping them find an insurance policy that protects their business. This means we are in a position to help you do the same. Our agents have connections with the best insurance agencies and know how to place you with the right one.

At our agency, we believe that keeping your business safe includes protecting it from the unexpected. This includes anything from lawsuits to fires to other natural disasters.

That is why having general liability insurance is a great idea. This type of policy covers a slew of situations in which you might be liable for damages. Contact one of our agents with questions, and keep reading to find out more about general liability insurance.

Pearland TX General Liability Insurance can protect your company in the event of an accident.

What is General Liability Insurance and What Does It Cover?

Small businesses and large corporations alike often purchase general liability insurance. Although the policies will vary according to size and industry, they all encompass the same basic thing: protecting your business when you are liable for damages and facing a lawsuit. When those situations come up, making sure your revenue stream continues is crucial to staying afloat.

A general liability insurance policy covers the following types of claims:

Injury or medical expenses
Property damage
Advertising and reputational claims
Copyright infringement

Each of these claims has specific situations that they cover. Keep reading to discover under what conditions and circumstances you could qualify for general liability coverage.

Injury or Medical Expenses

General liability insurance can cover injuries or medical expenses that happen as a result of misconduct or irresponsibility on the part of your business and employees. For instance, let’s say an employee mops the floor and forgets to place the ‘wet floor’ sign. If a customer slips and falls, and this event results in injury, you could face a lawsuit.

In this type of less-than-ideal circumstance, general liability insurance can help pay for the medical expenses and lawyer fees associated with the incident. This is just a single example of how that insurance policy can help your business pull through tough times.

Property Damage

If you own a small business that conducts services at the homes of clients, general liability insurance will come in handy. For example, if you are an appliance delivery person and lose your grip on a refrigerator, causing it to fall and crack the tile floor of your client’s home, a property damage claim could cover you.

Not only is it essential to have this coverage for the protection of your business, but it also shows foresight on your part. Customers will notice that you have taken extra steps to operate your business the right way.

Advertising and Reputational Claims

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As a business owner, chances are you know who your top competitors are in the industry. Moreover, there are likely times where you have found yourself at odds with those competitors. Have you ever slipped up in an interview with the press? Or, perhaps you know of an instance when you said something about your competitor that can be seen as slander.

Believe it or not, when something you say is on record and put on display for others to read, it will have negative effects on the reputation of a person or business. This is known as slander or defamation of character in the legal world.

When you slip up and face a lawsuit related to these charges, general liability insurance is what you need. Whether you have advertised a negative claim against a competitor or directly slandered their reputation, you could face legal consequences.

Copyright Infringement

Stealing phrases, pictures, or other intellectual property is illegal. Also known as copyright infringement, authorities consider this a serious crime that comes with legal repercussions. Essentially, when you violate the copyright of someone else’s work, you are claiming it as your own or failing to cite the source from which it came.

The right way to use a copyrighted source or photograph is to directly request permission to use from the owner or cite the source thoroughly. If you have doubts about using specific sources, consider consulting with a copyright attorney.

Things to Know

Exclusions

Like any insurance policy, general liability coverage will have exclusions. For example, if an employee is injured at their workplace, resulting in a medical absence, a general liability insurance claim will not go through. Instead, you will need worker’s compensation insurance.

In a similar way, property damage under general liability will not cover damages to your building or structure. For those situations, you will need a commercial property insurance plan. Additionally, for damage resulting from an auto accident that involves a company vehicle, commercial auto insurance is required.

If, in the event of a claim, you find that the situation is costing more than what our general liability covers, consider purchasing a commercial umbrella policy. This type of policy will extend the financial amounts for claims that you file.

No matter what line of work you’re in, you need the right Pearland TX General Liability Insurance policies to keep you protected.

Who Needs a General Liability Policy?

Simply put, anyone who owns a commercial business can benefit from general liability insurance. Mistakes are made, damage happens, and when it does, you’ll want the peace of mind that this insurance policy offers. Discuss your specific situation with your insurance agent in order to find the policy that is best for your business.