If you’ve been searching for Houston TX Public Liability Insurance, you’ve come to the right place. Here at Texas Insurance Agency, we strive to find the very best policies for our clients. With more than 40 years of combined experience, you can trust our insurance agents to help you find the coverage you need. Call today if you’d like a free insurance quote from our experts.
Texas Insurance Agency has been helping people all over the Greater Houston area with their insurance plans for years. As a result, you can trust we possess the knowledge and expertise to find the best coverages for your business. What’s more, we understand how important your business is to you. That is why we only work with some of the most trusted insurance providers around.
In doing so, we are able to find the best deals and the best policies for our clients. If you’re ready to work with an insurance agency that puts you first, call Texas Insurance Agency today! You won’t find better coverage when it comes to Houston TX Public Liability Insurance.
Houston TX Public Liability Insurance
There are several insurance policies available to business owners. With that in mind, it can be difficult to narrow down your options. However, our agents are here to help. Whether you know which coverages you need or need help determining which ones are best for your business, you can rely upon our team.
It’s important to note that certain coverages are required by State law. However, these coverages could vary depending on what industry your business falls under and your business’s size. Some of these policies you need include workers’ compensation, unemployment insurance, and disability insurance. However, these are only required if your business has a team of employees.
Although not required, liability insurance is highly beneficial to all business owners. Not only will it keep your business covered against claims, but it will save you from paying several different fees and bills associated with these claims.
Liability claims can come from customers, other businesses, business owners, and even your employees. Public Liability is designed strictly to protect your business against claims made by the public. Some of the things it covers include the following:
- Personal Injury
- Loss of Property
- Damage to Property
It should be noted that public liability only covers incidents that happen on your business property. So, should an accident happen at another location, like a customer’s home, for example, your insurance policy won’t cover this event. That is why there are several other liability coverages available to business owners. One of these includes general liability insurance. To learn which of these policies is best suited for your business, call Texas Insurance Agency today.
How Does Public Liability Insurance Work?
There are several instances where your business might face a liability claim. Unfortunately, these instances happen more often than you would think. If customers often visit your business location, you could run the risk of a liability claim, more specifically, a bodily injury claim. For example, if a customer slips and falls. If this is in the event of a wet floor and you have wet floor signs put up, the customer could still try and make a claim.
This goes to show that it doesn’t matter how careful you are, sometimes these claims are unavoidable. That is why it’s imperative you invest in Houston TX Public Liability Insurance. With the right coverage on your side, you won’t have to worry about medical expenses and legal fees if a claim is taken out against your business.
Of course, your insurance policy will have a coverage limit. As a result, it may not cover the entirety of these expenses. However, it will significantly reduce the cost, causing less stress and a smaller financial loss.
What Will Your Policy Cover?
Public liability insurance coverage will help you with the following expenses:
- Property Damage – this will help cover the cost of damage to a third party’s property. However, this is only if the damage happened while at your business location. So, if your employees visit a customer’s home and crack a window, for example, this would not be covered.
- Bodily Injury – This will cover the expenses if a customer or another is injured while on your business property. This will include medical expenses.
- Legal Fees – your insurance coverage will help hire an attorney to represent you in a lawsuit associated with one of the above claims.
As you can see, Houston TX Public Liability Insurance offers vital protection to business owners. However, it does not offer complete coverage of several business risks. For example, advertising injury and reputational harm. With that in mind, you may also want to look into other coverages available.
General Liability (GL) Insurance is a highly sought-after coverage for many business owners. This is because it offers coverage to small business owners and larger businesses alike. So, no matter what type or size of business you run, you can rest easy knowing GL Insurance has got you covered. General liability insurance covers the previously mentioned business risks as well as property damage, bodily injury, and medical costs.
To learn more about this and other coverage options, call Texas Insurance Agency today.
Trust Texas Insurance Agency
No matter which coverages you’re looking for, you can rely on our team to find you the best deals. We understand your business is important to you because ours is important to us. That is why we don’t work for the insurance companies; we work for you!
Our insurance agents want to ensure you have the right policies in place to keep your business and your personal life protected. That is why we offer a range of insurance policies from flood insurance to auto insurance and more!
Call today to speak with one of our experienced agents and find the right Houston TX Public Liability Insurance for your business!
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