Everything is bigger in Texas, but the cost of insuring small businesses doesn’t have to be. Texas is booming with industry, and there are many small businesses located throughout the state. At PolicySweet®, we’re in the business of helping protect your operations.
PolicySweet’s general liability insurance is designed to provide comprehensive protection, without making you pay for the same coverages big corporations need. Instead, we aim to help you get an adequate amount of coverage quickly—a great solution for small business owners.
Understanding Texas General Liability Insurance
General liability insurance can be essential for protecting your business against third-party claims of bodily injury, property damage, and other related liabilities. You never know when accidents may strike or when an untimely mistake can lead to disastrous lawsuits. It can be important to keep your business insured to help safeguard your financial stability and your livelihood.
Additionally, some companies and clients want proof of general liability insurance before they’ll be willing to hire you. Even landlords sometimes want to see that you have coverage as part of your lease agreement. With liability insurance, you not only protect against worst-case scenarios but you can also help protect your business as it grows.
From a cozy retail store in Houston to a plumbing company that services Austin, PolicySweet can help you feel less vulnerable, so that you can press on with focus and confidence.
Features of PolicySweet's General Liability Insurance
Choosing PolicySweet for your general liability insurance in Texas means opting for comprehensive protection. Here’s how our coverage options can help support your business:
Customizable Policies
No two businesses are the same. That’s why we offer customizable insurance policies so that you don’t pay for coverage you don’t need, especially as a small business.
Comprehensive Protection
Our general liability insurance covers a wide range of potential risks and incidents—your business can be protected from many different unexpected challenges. This can include:
- Third-Party Bodily Injury: This can cover medical expenses and legal fees if someone is injured on your business premises. For instance, if a customer slips and falls in your store, we can help protect you.
- Third-Party Property Damage: It can provide coverage if you accidentally damage someone else's property during your business operations. This can be important for businesses that frequently interact with clients and the public.
- Legal Fees: It can help with the costs of defending your business in court if you face a lawsuit. Legal battles can be costly and time-consuming, but having insurance can allow you to focus on running your business without the weight of a financial burden if something happens.
Easy, Customer-Friendly Processes
Not only are our quotes speedy and customizable, but we also offer different payment options. With our competitive pricing, knowledgeable team, and quick processes, we can help you get insurance quickly.
How Much Will Coverage Cost?
One of the best ways to estimate how much your general liability insurance is, is with a quote. This is because your premium depends on several factors, such as:
- The industry you work in
- How long you’ve been in business
- The size of your business
- Your location
- And more
In other words, this isn’t a one-size-fits-all question. We offer free, no-obligation quotes, so that you can determine if it fits within your budget.
What Are Your Insurance Options with PolicySweet?
You can get general liability coverage in two ways with PolicySweet—through our BOP or HomeHQSM policies. Our Business Owners Policy, or BOP, supports small businesses by providing a comprehensive package that gives you general liability coverage and other common insurances—all at a competitive price point. This package includes:
General Liability
Giving protection against third-party bodily injury, property damage, and legal liabilities.
Business Property
This can cover the contents within your business premises, including fixtures, furniture, equipment, and tools. For example, if a fire damages your office furniture and equipment, our BOP can help cover the cost of replacement or repairs.
Cyber-Risk Coverage
Most businesses rely on digital resources, which also means that cyber threats are a growing concern for businesses. Our BOP includes coverage for cyber risks, helping to protect your business from data breaches, cyber-attacks, and the associated costs such as legal fees, notification expenses, and data recovery.
HomeHQ Policy
Many home-based businesses store inventory at home. Our HomeHQ policy includes coverage for inventory so that your products can be protected against loss or damage.
General Liability
Coverage for third-party bodily injury and property damage arising from your business activities at home or off-site.
Commercial Property
Help protect the contents of your home office, including office furniture and other business-related equipment.
Inventory Insurance
Many home-based businesses store inventory at home. Our HomeHQ policy includes coverage for inventory so that your products can be protected against loss or damage.
Workers’ Compensation
If you have employees, Workers’ Compensation is another important insurance plan to consider. Our Workers’ Compensation coverage includes:
- Employee Protection: If an employee is injured or becomes ill due to work-related activities, our policy can help cover their medical expenses and lost wages. This protection helps to ensure your employees receive the care they may need, without placing a financial burden on your business.
- Legal Compliance: In Texas, some businesses may be required to provide Workers’ Compensation for their employees. Our coverage could help you meet state regulations and avoid penalties for non-compliance in those cases. Plus, having Workers’ Compensation can demonstrate your commitment to employee well-being, which goes a long way.
How to Get Started
Getting started can be a straightforward process. To get a quote, all you need to do is:
1. Visit our website. Our user-friendly interface gets you right where you need to go, with the most important information in front of you.
2. Provide your business information. You’ll fill out a form with some basic details, such as your business name, industry, location, and type of coverage you want.
3. Receive your quote. Based on the information you provide, we’ll generate a custom quote—no hidden fees.
It really is that easy! And, if you run into any hiccups or have questions, our support team is ready to help at any stage of the process. Get a quote today, to see how our BOP or HomeHQ policies can provide you with general liability coverage.
Please Note: State-specific information is subject to change at any time. Always consult with your state’s official information and resources for the most accurate information.