General liability insurance

General Liability Insurance

Any business that interacts with customers faces liability risks, whether you run a retail shop on Broadway, operate a restaurant downtown, or provide services at customer locations throughout Lubbock. General liability insurance protects your business from claims of bodily injury, property damage, and advertising injury, covering legal costs and potential judgments that could otherwise force you to close your doors.

If a customer slips on a wet floor in your store or a delivery person trips over equipment at your business location, you could face medical bills and legal claims. General liability insurance covers those costs, including legal defense even if the claim is frivolous. Without coverage, even defending yourself against a baseless lawsuit can cost tens of thousands in legal fees, and actual judgments can easily reach six or seven figures for serious injuries.

Property damage coverage protects you when your business operations damage someone else's property. If your employee accidentally damages a client's property while providing services, if your business operations cause damage to a neighboring property, or if your product causes property damage after it's sold, your general liability policy helps cover the costs. This protection extends beyond your physical location to wherever your business operates.

Personal and advertising injury coverage protects against claims of slander, libel, copyright infringement, or false advertising. Lubbock's business community is tight-knit, and disputes can arise from advertising claims or statements about competitors. Your policy helps defend against these claims and pays judgments if you're found liable. We'll help you determine appropriate coverage limits based on your industry, business size, customer interaction level, and risk exposure, ensuring you're protected without overpaying for coverage that doesn't match your actual risks.