General Liability Insurance or GL is a simple but complex type of insurance coverage. It is a basic insurance policy purchased by business owners to protect them against liability claims for property damage and or personal bodily injury that can occur during the working hours of a business. Although this coverage is mostly offered as a standalone type of coverage, it sometimes also comes with property insurance in a Business Owners Policy (BOP).
This insurance coverage is a great tool for contractors and business owners, as it can provide great assistance in safeguarding your livelihood. Accidents that appear unpredictably can potentially risk you to hefty lawsuits that can be difficult and costly to solve. With general liability, you will discover that you’re well protected from these kinds of dilemma.
You can potentially miss some jobs by not having general liability insurance, because there are some employers who will first ask for this type of insurance before hiring you. Some employers prefer hiring new employees with this type of insurance since they know that in case anything happens to them in the course of work, they will be well covered.
The level of commercial general liability to purchase depends on the size of your business. It is not really a law requirement, but it will benefit you especially when bearing expenses for lawsuits.
When you purchase your general liability insurance policy from us, you will have the coverage you need.
If some unforeseen damages are incurred during the course of work in a client’s property, the general liability covers you. With this policy, there is additional expenses that may be covered for any judgement related fees, attorney fees and any court costs. Our company will offer you tailor-made general liability insurance. What we take into consideration is your type of business and the inherent risks associated with it. For example, if you’re a web designer or developer, you might need less coverage than a building contractor.
We also consider your business location when offering you suitable general liability insurance. There are cases where the judge will award more for damages to a plaintiff if they’re claiming personal injury than one who is not. We offer the most competitive prices for general liability insurance based on your unique needs. Our licenced agents will take you through the process of getting the best insurance step by step and carefully and comprehensively address all your questions and doubts.
Our licensed insurance advisers recommend a general liability insurance cover for businesses where a face to face interaction with clients takes place. They may also recommend insurance coverage in businesses that involve having access to clients’ equipment; for example, in the IT sector. Also if you represent your client’s business, we will tailor it for you to have the best general liability insurance.
Other business people that we sell to general liability policies to are professionals, like architects who utilize third party locations for any activities related to their business. Also if you use the services of freelancers or contractors, we recommend that you contact us for the best general liability insurance quotation. People operating their businesses without owning any or renting any physical property are also required to have a general liability insurance cover before signing any job contracts.
Insurance Agency
Frank Medina Insurance
Texas
3663 N Sam Houston Pkwy E Ste 600
Houston, TX 77032
(713) 955-2559
Hours of business
Monday - Friday
9:00 am to 5:00 pm
Closed Saturday and Sunday