Commercial Coverage for New Businesses

Commercial insurance protects your business from accidents, property, and liability damage. Depending on the type of business you own, you’ll need to tailor your insurance to fit your business. At Insurance Solutions of Texas in Sugar Land, TX, we have independent insurance agents that are qualified to help your new business. 

General Liability Insurance

New businesses need general liability insurance coverage. It can protect you from lawsuits resulting from bodily injury, property damage, completed operations, and advertising and personal injury.

  • Bodily Injury — this type of coverage is for non-employee-related injuries. An example is if a customer falls because of spilled soda on the floor in your shop, then that customer could potentially sue you. This could cause tremendous economic hardship for your new business. With bodily injury insurance, you could be covered for possible customer injuries. 
  • Property Damage — is covered through liability insurance and it is based on limits. If you own a coffeehouse and your employee accidentally spills coffee on a customer’s mobile device, your insurance could cover the cost depending on your limits. 
  • Completed Operations — is for products that may cause injury to someone. If your goods or products cause harm to a customer, then you could be liable for the costs. If you serve someone food that makes them sick, you could be held responsible.
  • Personal and Advertising — involves slander, copyright infringement, libel, and malicious mischief. If your reputation becomes damaged as a result of another person or business spreading rumors or lies about your company. 

Other Insurance for Your Business

If you’re starting a business in Sugar Land, TX, you’re going to need advice on what types of insurance to get. There are many options including, commercial auto, professional, and cyber insurance. Stop by Insurance Solutions of Texas, so we can get you started on insurance for your type of business.