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Why is General Liability Insurance Important?

Accidents can happen at any time, and unexpected lawsuits can be costly. That's why general liability insurance is a must-have for any business. It provides essential coverage against third-party claims for bodily injury and property damage, as well as defense costs, medical expenses, and other costs associated with a covered incident. Without general liability insurance, your business could face significant financial losses in the event of an accident or lawsuit.

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What Does General Liability Insurance Cover?

General liability insurance covers a range of incidents that can occur in the course of doing business. A standard general liability policy typically covers a wide range of areas, including:

Third-party Bodily Injury

If a customer, vendor, or other third party is injured on your business premises or as a result of your business operations, general liability insurance can help cover medical expenses, defense costs, and other costs associated with the injury.

Third-party Property Damage

If your business causes damage to someone else's property, such as a customer's car, general liability insurance can also help cover the costs of repairing or replacing the property.

Product Liability

Product liability is a significant concern for businesses that sell goods. In case your business faces a product liability lawsuit due to injuries or property damage caused by your products, general liability insurance can help cover the associated costs of legal defense and payment of damages.

Personal Injury

Personal injury covers offenses like defamation, libel, and slander. IIf your business faces allegations of such offenses, general liability insurance can assist in covering the expenses related to legal defense and compensation for damages.

Advertising Injuries

Advertising injury covers offenses like copyright infringement, false advertising, and other intellectual property violations. If your business is accused of causing harm through advertising practices, general liability insurance can help cover the costs associated with defending against the claim.

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Don’t wait until it’s too late! Get the coverage you need to keep your business running smoothly. Get a Free Consultation on General Liability Insurance now!

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How General Liability Insurance can benefit you?

General liability insurance provides many benefits for your business, including:

Protection against third-party claims

General liability insurance can protect your business from financial losses resulting from third-party claims, including bodily injury, property damage, and personal injury.

Coverage for bodily injury and property damage

If someone gets injured or their property is damaged due to your business operations, general liability insurance can cover the medical expenses, legal fees, and other costs associated with the incident.

Legal fees and defense costs coverage

In the event of a lawsuit, general liability insurance can help cover the costs of defending your business, even if the claim is baseless.

Peace of mind for business owners

Knowing that your business is protected against unexpected accidents and lawsuits can give you peace of mind and allow you to focus on growing your business.

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Who Needs General Liability Insurance?

While there is no legal requirement for businesses to have general liability in Texas, preventing potential financial losses resulting from lawsuits or claims against your business is highly recommended. Many businesses also require proof of insurance before entering into contracts or partnerships to protect their financial interests.

At Hotchkiss Insurance, general liability insurance is essential for any business interacting with customers, vendors, or the public, especially in high-risk industries such as construction or manufacturing. Our team of experts can help you assess your risk and recommend the right coverage for your business needs.

What are the risks of not having it?

Operating a business without general liability insurance puts you at great financial risk. Without this crucial coverage, your business may be held responsible for paying medical bills, defense costs and damages in the event of an accident or lawsuit. This could lead to significant financial hardship and even bankruptcy.

Not having general liability insurance could also harm your business's reputation, making it difficult to attract new customers or clients.

Don't take chances with your business – protect it with general liability insurance from Hotchkiss Insurance.

Why Choose Hotchkiss Insurance as your General Liability Insurance Broker in Texas?

Here are some reasons why you should choose us:

Customized coverage

We have 48 years of experience in the insurance industry and can provide you with customized rates and coverage options that fit your business needs.

Friendly team of experts

We have a team of knowledgeable experts to help you find the best policy or coverage for your business or any situation.

Multiple options for different needs

We offer a wide range of coverage options for business in every industry, so you can choose what makes sense for you.

Convenient consultations

We offer consultations over the phone or in person at one of our Texas offices, so there's no need to drive anywhere!

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General Liability Insurance FAQs

Is General Liability Insurance required by the law in Texas? - While general liability insurance is not required by law in Texas, it is highly recommended for any business that interacts with customers, vendors, or the public. Without this coverage, your business could be at financial risk if an accident happens or if a lawsuit is filed against you. It's important to note that some banks or clients may expect your business to carry general liability insurance as a condition for conducting business together. By acquiring this insurance, you not only safeguard yourself from potential risks but also meet the criteria set by potential partners or clients.
How can I get General Liability Insurance in Texas? - To get general liability insurance, simply contact our team to discuss your business's unique needs and receive a customized quote. We can help you find the coverage you need to protect your business.
How long does it take to process a claim? - The length of time it takes to process a claim depends on the complexity of the claim and the insurance provider's policies. Our dedicated team will collaborate closely with you to expedite the process. We have experienced Claim Advocates who will guide and support you throughout the entire claim procedure, ensuring a smooth and efficient experience.
How can I lower my General Liability Insurance premiums?

How much does General Liability Insurance cost in Texas? - The cost of general liability insurance varies depending on a variety of factors, including the size and type of business, the location, and the level of risk involved. Our team can help you find affordable coverage options that meet your needs and budget.
Does General Liability Insurance cover professional mistakes? - No, general liability insurance does not cover mistakes made in the course of providing professional services. For this type of coverage, you may need to consider professional liability insurance.
Can General Liability Insurance protect me from lawsuits? - Yes, general liability insurance can help protect your business from lawsuits by covering legal fees, damages, and other costs associated with a covered claim.
How can I lower my General Liability Insurance premiums? - There are several ways to lower your general liability insurance premiums, including increasing your deductibles, improving your business's safety practices, and bundling your coverage with other policies. Our team can help you find ways to reduce your costs while maintaining the coverage you need.

General Liability Insurance in Texas