General Liability Insurance in Odessa, TX
General liability insurance, or commercial general liability insurance, is crucial to many businesses’ risk management strategies. This policy may protect your business from financial losses caused by accidents, injuries or negligence claims that could arise during regular business activities. Without it, you could end up with hefty legal bills and settlements that might put your business at risk in the long run.
Who Needs General Liability Insurance?
Almost every business may benefit from general liability coverage. If your business interacts with clients, customers or the public, you are vulnerable to risks such as accidents, third-party injuries and other unexpected claims. Groups that may need this type of insurance include the following: 
- Small businesses
- Contractors and construction companies
- Retailers and wholesalers
- Service providers
- Event planners
- Freelancers and independent contractors
- Manufacturers
What Does My Policy Cover?
General liability insurance may cover a range of potential situations that could result in financial loss. Standard policies usually include coverage for the following:
- Bodily injury liability may cover medical costs and legal fees if a third party is injured on your business premises or due to your business operations.
- Property damage liability may provide financial assistance if your business causes damage to other people’s property.
- Advertising injury coverage may cover legal expenses if your advertising causes harm to another business’s reputation.
- Legal defense costs coverage may cover attorney fees and court costs if your business faces a lawsuit for the above situations.
The following are examples of scenarios where your policy may provide financial aid:
- If a customer is injured by a falling object in your store
- If your employees accidentally damage a client’s property while performing work
- If a product you sell causes injury or damage to others
Secure a Policy Today
Help your business avoid costly setbacks with general liability insurance. Contact HSB Insurance Agency, LLC today to start building your optimal policy.