If you are searching for League City TX General Liability Insurance, don’t hesitate to contact the Texas Insurance Agency team. We assist each client with finding an insurance policy for their business. As a result, when the unexpected happens, they have protection.

Texas Insurance Agency has been serving clients in the Houston area since 1999. Furthermore, our team has years of experience working with clients of all occupations. This places us in a position to guide you in the right direction when it comes to choosing an insurance plan for your business.

At our agency, one of our primary missions is to help you protect your business. One policy that may be of use to your business is general liability coverage. From damage caused to a client’s home while on the job to customer injury within your business, general liability offers you coverage when it matters most.

League City TX General Liability Insurance

Texas Insurance Agency has you covered!

What is General Liability Insurance, and What Does it Cover?

Every size and type of business qualifies for coverage through a general liability policy. Although these policies will vary in coverage, according to the type of industry being insured, the overarching goal remains the same: protect your business when you are liable for damages.

When the unexpected happens, keeping your revenue stream from drying up is crucial to staying afloat. General liability insurance can protect your company in the event of the following claims:

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

Each of these situations might provoke a claim from the person who has suffered damage or wrongdoing on the part of your business. Keep reading this article to discover what kind of coverage you can expect from a general liability plan.

Injury or Medical Expenses

Injuries to a customer as a result of negligence or misconduct on the part of an employee can result in lawsuits. It is reasonable to expect that you could be liable for medical expenses as well.

For instance, if an employee fails to place a ‘wet floor’ sign out after mopping the floor, and a customer slips and falls, then you should assume there will be medical bills that need paying. The best way to cover these expenses is to have a general liability insurance plan in place.

A general liability insurance policy covers injuries to customers or others that are in your place of business. If your insurance company determines these injuries are the result of negligence or misconduct on the part of your business, you should file a claim immediately.

Property Damage

Under a general liability policy, you can receive coverage for property damage that happens at a client’s home while you are performing services there. For instance, if you are a roofer and drop your hammer, which crashes through a window, your general liability policy will cover this.

This type of coverage is beneficial because it shows customers that you are taking extra steps to do business the right way. Furthermore, it pays for damages and any lawyer fees that might come from a lawsuit.

No matter what industry you’re in, you need the right League City TX General Liability Insurance policies to keep you protected.

Advertising and Reputational Claims

As a business owner, you likely know who your competitors in the industry are. Moreover, there is a chance you’ve felt the heat from that competition. If you have found yourself at odds with other business owners in the industry, then perhaps you have slipped up about flaws in their products or services.

This is what the legal system refers to as slander or defamation of character. It is damaging to the business that is receiving criticism. Furthermore, when your harsh words are put in an advertisement, there can be negative consequences for that business; this is called reputational harm.

When you say something and put it on display for everyone to see, and it damages the reputation of a company, you will likely be held liable. Slipping up can be costly and result in harsh criticism toward your own company. General liability can help you overcome the financial challenges that come with these types of claims.

Copyright Infringement

Stealing intellectual property without going through property channels to receive permissions is illegal according to the legal system. This type of crime is also known as copyright infringement, and authorities consider it a serious crime. When you violate the copyrighted work of another, framing this work as your own, expect charges and a lawsuit against you.

Fortunately, you can avoid the headaches that come with copyright infringement. Firstly, make sure you directly request permission to use copyrighted material. Secondly, purchase a general liability insurance policy so that you have financial coverage when mistakes are made.

Things to Know:

Exclusions

Like other insurance policies, general liability insurance has exclusions. For instance, if an employee is injured on the job at their workplace, worker’s compensation insurance is what you will need in order to cover their medical expenses and leave of absence.

Similarly, if your building sustains damages due to fire, vandalism, or other natural disasters, a commercial property insurance policy will cover those events. General liability has its limitations. As a result, it is important to consider which supplemental insurance policies can help bridge the gap in coverage.

In the event of a claim, sometimes you will find the amount exceeds your coverage. In this instance, or preferably before, you can purchase a commercial umbrella insurance policy. This type of policy expands the amount of financial coverage you can get for claims related to your business.