Operating a business without general liability insurance is a risk you cannot afford. Also known as business liability insurance, a general liability insurance policy offers protection to businesses from various claims resulting from normal day-to-day operations.
At Anderson Insurance Affiliates LLC, our tailored general liability insurance policy covers attorney fees, medical expenses, advertising injuries, and other potential liability claims brought against your business.
Here's what we cover under general liability insurance in Texas and Louisiana:
A general liability insurance policy will cover all expenses you must shoulder if your business destroys or damages someone else’s property.
If your business faces copyright infringement charges, the general liability insurance policy will cover the resulting litigation and settlement fees.
A customer might get hurt at your business premises and sustain a serious injury. With a general liability insurance policy, you don’t have to pay for their medical expenses out of pocket. The policy will also cover legal expenses if the customer sues your business for injury.
A general liability insurance policy is of great help if any of your employees or your business gets sued for slander, libel, defamation, etc. This policy will pay for the legal defense expenses and other settlements as needed.
If you manufacture, sell, or distribute a product that causes harm to people and property, your business can be sued. Product liability insurance offers coverage against potential lawsuits and financial losses directly related to labeling errors, defective products, etc., that cause harm to customers.
If your business harms the reputation of an individual or another business, you may have to face legal hassles and penalties. With a general liability insurance policy, you will have coverage against such lawsuits and resulting legal expenses.
While all businesses should consider getting general liability insurance, it is crucial for:
At Anderson Insurance Affiliates LLC, we prioritize your security and offer commercial insurance solutions tailored to your unique needs. Our team of experienced insurance professionals will work with you to create a policy that is as unique as your business.
We serve businesses in Houston, Dallas, New Orleans, and Baton Rouge with all their insurance needs. Contact us today to get started on your customized general liability insurance coverage!
The answer is no. The law doesn't require you to have a general liability insurance policy for your business. However, without this coverage, you will have to pay for all claims made against your business out of your own resources.
The answer is yes for both questions. You can choose the amount of deductible you want to pay out of pocket. Moreover, premium payments for this insurance policy are regarded as the 'cost of doing business.' Therefore, the costs can be waived during taxation.
General liability insurance makes payments for third-party damages only. As a business, you are 'first-party.' General liability insurance will only cover claims made against your business. This policy will not cover your commercial equipment or property for theft or damage.
No, they are different. Professional liability insurance covers claims of professional errors, mistakes, misadvise, and omissions and errors made in the business. On the other hand, general liability insurance covers property damage, bodily injuries, and other third-party liability claims.
Not having general liability Insurance for your business might be quite risky. Without adequate general liability insurance coverage in place, you will have to pay for third-party claims out of pocket.
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