Smart Protection for Your Business: General Liability Insurance
Running a business comes with plenty of challenges, and the risk of facing a lawsuit is one that keeps many owners up at night. General Liability insurance helps protect your business from costly lawsuits and claims for injury or damage tied to your operations. This coverage steps in to handle losses from real or alleged bodily injury, property damage, or personal injury that happens on your business premises or as a result of what you do.
What Does Business General Liability Insurance Cover?
General Liability insurance offers broad protection, including:
- Bodily Injury: Covers medical costs, lost wages, and even death benefits if someone outside your company, like a customer or visitor, is hurt on your property or because of your business.
- Property Damage: Protects against damage to someone else’s property or their loss of use due to your business activities.
- Products-Completed Operations: Guards you if a product you made or a service you provided causes injury or damage after it leaves your control.
- Contractual Liability: Covers certain liabilities you take on through contracts.
Other protections you might find in a policy include:
- Borrowed equipment coverage
- Liquor liability for businesses that sell or serve alcohol
- Non-owned vehicle liability for rented aircraft or watercraft since commercial auto insurance covers cars and trucks
- Legal defense fees, even if the claim against you is not valid
- Medical payments for minor injuries on your premises regardless of fault
- Personal injury protection for claims like slander or false arrest
- Advertising injury coverage for issues like copyright infringement in ads
Many policies can be tailored to fit specific industries or business needs.
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Do I Need General Liability Insurance for My Business?
Almost every business benefits from having General Liability insurance. Here is why it matters:
- Protect Your Finances: Lawsuits related to injury or property damage can cost tens or hundreds of thousands of dollars. Without coverage, your business could be at serious financial risk.
- Meet Requirements: While Texas may not always require it by law, many landlords, clients, or licensing boards expect you to carry this insurance.
- Focus on What Matters: Knowing you are covered allows you to concentrate on growing your business instead of worrying about legal surprises.
How Do I Get Liability Insurance for My Business?
Getting General Liability insurance is straightforward when you know what to expect. Here is the process:
Choose an Insurance Partner
Working with an independent agent like Rollo Insurance gives you access to multiple companies and policies. We will shop for coverage that fits your business, explain the details clearly, and help you make informed decisions. Online quotes can be a starting point, but nothing replaces a conversation with someone who knows your local market.
Prepare Your Business Details
To get an accurate quote, you will need to share information like:
- Business name and legal structure (LLC, corporation, sole proprietor, etc.)
- Location of your main office or operations
- Industry and services or products offered
- Years in business
- Number of employees
- Annual revenue and payroll
- Past claims history
- Any special risks related to your business, such as use of hazardous materials or specialized equipment
Discuss Your Needs
Your agent will want to understand how your business operates:
- Where do you work?
- Do you sell products or services?
- Do customers visit your location?
- What equipment or tools do you use?
Review and Compare Quotes
We will provide clear explanations of what each policy covers, limits, and deductibles, so you can pick the right fit for your business.
Get Covered
Once you select a policy, you will pay the premium, and your coverage starts. You will get documents detailing your coverage for your records.
By sharing honest information and working closely with your agent, getting the right General Liability insurance for your Texas business is a smooth process.
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At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
Rates
Finding the best rates for the coverage you need.
Education
Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
Assets
Protecting the most valuable things you own.
Life
A partner who you can call on today, tomorrow, and the rest of your life.
Protecting Your Business with Rollo Insurance
General Liability insurance shields your business from common risks that come with day-to-day operations. Reach out to Rollo Insurance today to explore your options and get a personalized quote that fits your Texas business.
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