General Liability Insurance in Lubbock, TX
A customer slips on your floor, a job damages a client’s property, or an ad draws a complaint, and suddenly your business is facing a claim. General liability insurance is built to respond to third-party claims like these, including the legal costs of defending against them. At Fransan Insurance Service, our team helps businesses in Lubbock, TX understand what a policy covers and where it stops.
What General Liability Insurance Covers
A standard general liability policy may help cover the following:
- Bodily injury to a third party on your premises or at a job site
- Property damage caused to a third party by your business operations or employees
- Products-completed operations incidents arising from your products or completed work after they leave your control
- Personal and advertising injury, including libel, slander or copyright infringement, in your marketing
- Legal defense costs if your business is named in a covered lawsuit
Coverage limits and exclusions vary by policy, so review the details with our team rather than assuming a standard policy addresses every exposure your business carries.
Who Needs General Liability Insurance
Contractors, retailers, service businesses, consultants and landlords all face third-party liability exposure in the course of ordinary operations. Many commercial leases and client contracts require proof of coverage before work can begin or a space can be occupied. Without it, a business may lose contracts, face uncovered legal costs, or be responsible for damages that exceed its resources.
Get the Right Coverage for Your Business
A single incident, even one your business isn’t ultimately found responsible for, can still require a legal defense. Contact Fransan Insurance Service to review your current exposure and make sure your coverage reflects how your business operates.