General Liability Insurance in Balch Springs, TX
A slip-and-fall at your shop. A client who claims your work caused property damage. A lawsuit filed before you even know what happened. These situations catch business owners off guard every day, and general liability insurance is the coverage that can address them directly. Castillo Insurance & Income Tax Service helps business owners across Balch Springs, TX find general liability coverage that fits the reality of what they do.
What Is General Liability Insurance?
General liability insurance is a business policy that may cover third-party claims involving bodily injury, property damage and personal and advertising injury. If someone outside your business suffers harm and holds your business responsible, this coverage may step in to help cover legal costs, medical expenses and settlement amounts, depending on your policy terms.
What Does General Liability Insurance Cover?
Coverage can vary by policy, but general liability insurance may include financial protection for:
- Bodily injury to a customer or visitor on your premises
- Damage your business accidentally causes to someone else’s property
- Personal and advertising injury claims, including defamation
Check your policy for specifics, as exclusions and limits vary widely between carriers.
Who Needs General Liability Insurance in Texas?
Most businesses find value in carrying general liability coverage. Contractors, retailers, consultants, restaurants and service providers are among those who commonly carry it. Some clients and landlords require proof of general liability coverage before signing a contract or lease. While Texas law does not mandate general liability insurance for most businesses, some industries, landlords and licensing boards do require it. Review your contracts, client agreements and any applicable licensing requirements to determine what applies to your situation.
Secure a Policy Today
Contact Castillo Insurance & Income Tax Service today to explore our general liability insurance solutions. Our team can assess your business and recommend suitable options.