General Liability Insurance in Texas
A customer trips over a loose floor mat in your Friendswood shop. A contractor's ladder scratches a client's parked car. A competitor claims your new tagline copied their slogan. None of these involve a product defect or an employee getting hurt on the job, but each one could land your business in a lawsuit. General liability insurance is built for exactly these moments.
Who Needs General Liability Insurance in Friendswood, TX
If your business interacts with customers, vendors, or the public in any way, you carry this risk. Retail shops, contractors, salons, restaurants, and professional offices throughout Friendswood all rely on general liability coverage to handle the claims that come with simply being open for business. Many commercial leases and client contracts require proof of coverage before you can even sign, so this policy is often the first one a new business needs.
Bodily injury liability pays medical costs and legal fees if a customer or visitor is hurt at your location or because of your operations. Property damage liability covers repair costs if your business damages someone else's property. Personal and advertising injury coverage protects against claims like libel, slander, or copyright disputes tied to your marketing. Medical payments coverage handles small injury claims without the need for a lawsuit at all.
How Much Coverage Does a Friendswood Business Need?
Most small businesses in our area carry limits of $1 million per occurrence and $2 million aggregate, though your ideal limit depends on your industry, foot traffic, and contract requirements. Pairing general liability with a business owner's policy often costs less than buying it alone, and it is easy to add alongside your commercial property and workers' compensation coverage.
Not sure what limit your lease or contract requires?
Talk to our Friendswood agents before you sign anything or start a free general liability quote today.
