How General Liability Insurance Protects Your Business and Why You Need It

Running a business comes with many rewards and its share of risks. General liability insurance is a cornerstone of business protection, helping safeguard your company from costly legal and financial setbacks.

What Does General Liability Insurance Cover?

General liability insurance is designed to financially protect your business from a range of common risks. This typically includes coverage for the following:

• Third-party Bodily Injury: If a customer or visitor is injured on your premises, your policy can help cover medical expenses and legal costs.
• Third-party Property Damage: If your business operations cause damage to someone else’s property, liability coverage can help pay for repairs or replacements.
• Personal and Advertising Injury: Claims of libel, slander, or copyright infringement may also be covered.
• Legal Defense Costs: General liability insurance can help cover attorney fees and court costs related to the above situations.

Why Texas Businesses Need General Liability Insurance

Texas law does not require general liability insurance for most businesses, but going without it can leave you exposed to significant risks. Lawsuits and claims can arise from everyday business activities, no matter your industry. Without proper coverage, a single incident could threaten your company’s financial stability. Moreover, some commercial leases and business contracts may require general liability insurance, so it’s important to understand your potential obligations.

Who Benefits from General Liability Coverage?

General liability insurance is suitable for most businesses, including:

• Retailers and restaurants
• Contractors and tradespeople
• Professional offices
• Service providers

If your business interacts with clients, customers, or the public, this coverage is especially important.

Request a Quote Today

Every business is unique, and so are its insurance needs. Our experienced team at Bienvenido Insurance works closely with Texas business owners to assess risks and recommend the right general liability insurance solutions. We’re here to answer your questions, explain your options, and help you secure coverage that fits your operations and budget. Contact us today to discuss your general liability insurance needs and get a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.