Commercial General Liability Insurance

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General Liability Insurance Coverage Overview

If you own a company in the Lone Star State, we want to help you understand the ins and outs of commercial liability insurance. Bill Culver & Co. is committed to helping you protect your business and property from lawsuits and settlements that could otherwise put you out of business. Whether your company is based in Wichita Falls, Ft Worth. Dallas, Houston or Lubbock, having adequate general liability insurance coverage is an integral part of all successful business plans.

General Liability Insurance Coverage Details

Most companies do businness with other companies that require you to carry liability insurance. This sometimes entails additional insureds , waiver of subrogation, and other endorsements.

Most companies carry $2, 000,000.00 under the aggregate which is limited to a $1,000,000.00 per claim. Other coverages are shown below. Each company is unique. Smaller companies may have a need for only $1,000,000.00 or $500,000.00 in liability limits. However, the exact protection you need depends on your profile. For example, companies involved in the trades have higher risk profiles and require more protection.

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Commercial General Liability Insurance

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  • General Aggregate (Total liability payment limits of the policy)
  • Products and completed operations aggregate (Total products payment limits on products)
  • Each Occurrence (Total limits to pay on each claim reported)
  • Tenants Legal Liability (Total limits the policy will pay for what you are liable as a tenant )
  • Medical Expenses-Each Person (Total limits to pay for a non-employee injured on the premises )
  • Personal Injury and Advertising Injury (Total limits the policy will pay for your advertising claims)

General liability is not mandatory for companies operating in Texas. It is a business-friendly state as well as being a leader in claim reform to dissuade pointless insurance claims. However, claims against .companies still happen in Texas.

Exactly How Are Cost Assessed?

In Texas, your liability Insurance policy premiums are based upon a number of elements. These include the kinds of service or products you provide, the payroll of your employees, the length of account, etc.