Owning a small business can be hard enough on its own. Still, without Pearland TX liability insurance for small business, you make it harder on yourself to afford a potential accident. You are a unique subset of the businesses that already operate. Small business owners are loved so much due to their uniqueness in product and self-development aspects. Therefore, as a business ourselves, we want to make sure that all of our small business owners out there are as protected as possible.
We offer great rates for Pearland TX liability insurance for small business!
As a small business owner, you could potentially be held responsible if someone gets injured. Or if their property is damaged as a result of something that is your fault. Protecting your business from these risks is essential in making sure that your business stays functional for longer.
At Texas Insurance, we have years of experience. Therefore, we are the best possible team to handle your unique situation. We pride ourselves on providing the absolute highest quality customer services in the Greater Houston area.
How we can help!
More than this, we want to make sure that you actually understand the policies you sign up for. It is too often that we see customers come in with a lapse in coverage or absolutely clueless as to how they are covered. This will create a liability issue on your end.
Our agents here can help you avoid just that and actively explain to you in simple terms how your coverage works. Every company comes with its own terminology. Notably, insurance is one of the few with far more complicated terms. As a result, it is so simple to become overwhelmed and confused by your policy details. Let us help you out. Give our team a call to find out the many ways we can serve you best.
What is Pearland TX liability insurance for small business?
Liability insurance, or commonly referred to as general liability or business liability insurance, is a policy that will protect your business against claims, whether true or false, brought against you. More than this, the insurance policy will cover any legal and medical costs associated with the claims. If successful, your small business will be hurt by wrongful or true claims. Lawsuits, especially against small businesses can cost you lots of money. Especially if you do not have a proper insurance plan in place to protect you.
The nature of the claims can really be about anything from workplace injures to customers and employee complaints. Such as libel/slander. Furthermore, third-party property damages are also included in these claims. No matter what type of small business you have, you still need and require the same amount of protection that a larger business would want.
Texas Insurance Agency is here for you!
Liability insurance will also provide exceptional coverage for the following:
- Third-Party Injuries: For instance, if your janitor just mopped your floors, a customer walks in and slips on a wet spot resulting in a serious injury. Rightfully, they can sue you. Without this policy, you are financially and legally responsible for compensating the inured customer on your own. The policy will cover any medical-related fees that the injured succumbs to.
- Third-Party Property Damage: Next is third-party damage. This type of damage is most common for contracting jobs where you are expected to visit a client’s home. When completing a job, if you create damages to the client’s home that were not in place before, you are responsible for paying and repairing said damages. Again, with liability insurance on hand, you can avoid having to pay for these legal fees out of pocket. This makes the repair process that much easier.
- Reputational Harm: Notably, all customers have the right to sue a business for damages or harm done to them personally. Therefore, if you get into an argument with your employee and say something they don’t like, they can sue you for libel/slander. Again, your liability policy will come in hand here to cover the cost of legal fees.
Stay safe from complications!
While many claims actually have no basis, that doesn’t prevent people from suing.
If you want to learn more about our liability policy, get in touch with our agents today. From there, we can schedule a sit-down meeting to speak with you personally and talk about policy details.
What liability insurance doesn’t cover
Choose a business plan that works!
As with any insurance policy, there are limitations in coverage that will need to either be extended or moved over to an entirely different policy. This applied to liability coverage too. Liability coverage is the perfect baseline coverage option. But it is just that, baseline. Pearland TX liability insurance for small business will not cover the following:
- Personal ID Info: For example, it does cover valuable personal information like social security, IDs, emails, and related if they are compromised in an incident. It is up to you to protect them yourself or enroll in a policy that does.
- Boats and Vehicles: There are boat and auto insurance for a reason. You can certainly add them to a general liability policy. However, you cannot use the liability policy to cover vehicles.
- Property: If your property succumbs to damage by theft or natural disaster, it is not covered in this policy. Again, there is a separate policy for this that you can add if you would like extra protection.
- Employee Injury: Finally, general liability does not protect injured employees. It does, however, protect injured customers/clients. Worker’s compensation is the policy that helps cover your employees if they are injured, though.
Contact Texas Insurance!
Overall, our duty is to our customers. We can help you add on or remove any policy you’d like. Speak with one of our agents directly! Give us a call today at 281-398-1010. From there, we can match you with a provider who meets your policy and budgetary needs.
Don’t be afraid to reach out to us when you need Pearland TX liability insurance for small business; it is the best way to keep you protected!
Pearland TX Fun Facts:
- Pearland stretches across 3 counties
- It is the second-fastest-growing city in Texas
- There are two airports in Pearland
- Downtown Houston is only a short drive away from Pearland
- For more fun facts about Pearland Tx, visit our official website.
