Have you been looking for Houston TX commercial general liability insurance? Look no further than Texas Insurance Agency. Our team of insurance agents strives to provide the best solutions for your business. Whether you need protection against liability claims or are looking for a BOP, our team is here to help. Call today for your free business insurance quote!
Texas Insurance Agency has been providing quality insurance products for years now. We understand how important your business is to you. That is why we have partnered with some of the most trusted insurance providers. As a result, we are able to offer our customers the very best coverages at the best rates.
What’s more, our team has a combined total of 40 years of experience. With that in mind, you can trust our agents to recommend the right policies for your business. As there are so many insurance policies out there, it can be hard to find the ones you need. However, Texas Insurance Agency is here to help.
Speak with our team today if you’re looking for the right policies for your business. You won’t find an insurance agency that offers better Houston TX Commercial General Liability Insurance.
Houston TX Commercial General Liability Insurance
This type of insurance policy will provide your business with liability coverage for common workplace hazards and business risks. Commercial General Liability, or CGL, can protect your business against claims such as bodily injury, property damage, advertising injury, and more.
Unfortunately, it’s not uncommon for customers and other business owners to take out claims against businesses. However, with the right coverage in place, you won’t have to worry about covering the cost of legal fees, medical expenses, and other fees associated with these claims. Whether you run a fully established company or a small business, you need to have the right liability coverage to protect your business from these concerns.
CGL insurance is a must for Small businesses in Houston. This is because common claims can have a substantial financial effect. For example, a bodily injury claim could see you down $20,000, and a reputation harm claim could set you back $50,000! Without liability coverage, you’ll be answering these claims out of your own pocket.
To find the right coverage and keep your business protected, call Texas Insurance Agency today.
Liability Insurance Coverage
In addition to bodily injury, advertising injury, and property damage, GLC insurance can protect your business against reputational harm claims. These claims are more common than you might think and can happen during normal work operations.
If a customer were to sue your business, CGL insurance would help protect you against the cost of the following:
- Medical payments
- Attorney and witness fees
- Evidence and documents gathering
All of these expenses can add up, and the costs can increase the longer it takes to resolve your case. It’s important to note that the other party can drop their lawsuit. However, this doesn’t mean you’ll be able to escape legal costs and attorney fees. That is why Commercial General Liability insurance is so vital to your business. Without the coverage it offers, your business could be at a high risk of financial losses.
CGL insurance for Business Types
As every business is different, your coverage needs will vary from other business owners. As a result, the cost of CGL insurance can also vary. There are several factors that can impact the cost of your insurance. This can include the following:
- The type of business you run – the more risks your business faces, the higher your rate could be.
- Coverage Limits – If you select a higher limit for your insurance policy, your rate will increase.
- Business Location – Less populated areas mean you could face fewer risks. As a result, your insurance plan could be cheaper.
- Revenue – The higher your annual sales or revenue, the more you’ll have to pay for coverage.
No matter what business you run or its size, GCL insurance is vital. Many other business insurance types are designed solely for smaller businesses or specific business types. However, commercial general liability insurance is intended for small businesses, large companies, and sole proprietors alike.
Here at Texas Insurance Agency, we want to help as many business owners as possible. That is why our services are available to people who run all types and sizes of businesses. Whether you own a marketing firm or a photography studio, you can rely on our insurance experts to find the best policy for you.
What Does CGL Not Cover?
Of course, there are certain liability coverages not covered under this policy. Some of which are vital to the operation of your business. With that in mind, it’s imperative you consider all your options to ensure no aspects of your business are at risk.
Workers Compensation and professional liability insurance are just two coverages you won’t find under a CGL insurance policy. Both of these coverages are extremely beneficial and can help protect your business against several other claims.
Workers Compensation, for example, is designed for claims you might face by your employees. Bodily injury accidents don’t just happen to customers. In fact, the majority of them happen to your employees. In this event, you need to have a workers’ compensation policy in place to protect yourself and your business.
This type of coverage is designed to benefit both you and your employees. If one of your employees injures themselves while on the job, they could take a liability claim out against your business. However, if you have a workers compensation policy, you won’t need to worry about this. Your employees won’t be able to seek legal action against you, and you won’t have to cover the cost of their medical expenses.
Instead, your policy will cover these costs. In addition to medical costs, your insurance policy will cover the cost of your employee’s sick pay if they require time off work due to their injury.
To learn more about workers’ compensation and the many other liability claims your business is vulnerable to, call Texas Insurance Agency. You won’t find a better deal for your Houston TX Commercial General Liability Insurance.
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