Commercial General Liability protects your business in case of a law suite.  The insurance information institute defines general liability as  “a broad commercial policy that covers all liability exposures of a business that are not specifically excluded.  Coverage includes product liability, completed operations, premises and operations, and independent contractors”.

Dallas business insurance quotes

In many cases we can quote and bind your general liability over the phone.  Contact us today for your general liability quote.

Many of the following classes can be insured with just one phone call.  Call contact us today regarding your business!

  • AC SYSTEMS OR EQUIPMENT DLRS/INSTALLATION, SERVICE OR REPAIR
  • ADVERTISING SIGN COMPANIES-OUTDOORS
  • ALARMS and ALARM SYSTEMS INSTALLATION, SERVICE OR REPAIR
  • APARTMENT – MAKE READY CONTRACTOR EXCLUDING ANY ROOFING OPERATIONS
  • APPLIANCE and ACCESSORIES INSTALLATION, SERVICE OR REPAIR-HOUSE
  • APPLIANCE INSTALLATION-COMMERCIAL NOT TELEVISION OR RADIO
  • AUCTIONEERS – SALES CONDUCTED AWAY FROM INSUREDS PREMISES
  • AUCTIONS – ON PREMISES OWNED OR RENTED BY INSURED
  • BLACKSMITHING
  • CABLE TELEVISION SUBSCRIPTION COS
  • CARPENTRY CONST-RESIDENTIAL NOT EXCEEDING 3 STORIES
  • CARPENTRY-INTERIOR
  • CARPENTRY-SHOP ONLY
  • CARPENTRY/NOC
  • CARPET INSTALLATION
  • CARPET,RUG,FURNITURE CLEANING ON CUSTOMER PREMISES
  • CEILING OR WALL INSTALLATION
  • CHIMNEY CLEANING
  • CLEANING – OUTSIDE SURFACES OF BUILDINGS
  • COMMUNICATION EQUIPMENT INSTALLATION
  • COMPUTER SERVICE OR REPAIR – RESIDENTIAL ONLY
  • CONCRETE PAINTING AND STAINING – NO FOUNDATION REPAIR
  • CONCRETE-CONSTRUCTION NOC – NO FOUNDATION REPAIR
  • CONDUIT CONSTRUCTION FOR CABLE OR WIRE
  • DEBRIS REMOVAL
  • DOOR/WINDOW INSTALLATION OR REPAIR
  • DRILLING – WATER ONLY
  • DRIVEWAY, PARKING AREA OR SIDEWALK-PAVING OR REPAVING
  • DRYWALL OR WALLBOARD INSTALLATION
  • ELECTRICAL APPARATUS INSTALLATION, SERVICE OR REPAIR
  • ELECTRICAL WORK WITHIN BLDGS
  • EXCAVATION (Maximum Depth 36 inches Excl Subsidence
  • EXPRESS COMPANIES
  • FENCE ERECTION CONTRACTORS
  • FIRE EXTINGUISHERS SERVICE, REFILL, TEST
  • FIREPROOFING – STRUCTURES
  • FLOOR COVERING NOT CERAMIC TILE OR STONE
  • FLOOR WAXING
  • FURNITURE and FIXTURE INSTALLATION OFFICE OR STORES-METAL OR WOOD
  • GARAGE and AUTOMATIC DOORS/GATES INSTALLATION, SERVICE OR REPAIR
  • GARBAGE, ASH OR REFUSE COLLECTING EXCLUDING OWNED DUMPSTERS
  • GATEKEEPERS – NOT SECURITY GUARDS
  • GLAZIERS
  • GRADING OF LAND
  • GREENHOUSE ERECTION
  • GUNITING OR SHOT-CRETE
  • HANDYMAN EXCLUDING ROOFING OPERATIONS
  • HEATING/AC SYSTEMS DEALERS/DISTRIBUTORS/INSTALLATION/REPAIR
  • HOUSE DETAILING INTERIOR ONLY
  • HOUSE FURNINSHING
  • INSULATION WORK-MINERAL
  • INSULATION WORK-ORGANIC PLASTIC IN SOLID STATE
  • INTERIOR DECORATORS
  • JANITORIAL
  • LANDSCAPE GARDENING
  • LAWN CARE SERVICES
  • LAWN MOWING NOT LANDSCAPE
  • LAWN SPRINKLER INSTALLATION
  • MASONRY
  • METAL ERECTION – DWELLINGS NOT EXCEEDING TWO STORIES
  • METAL ERECTION DECORATIVE OR ARTISTIC
  • METAL ERECTION NON STRUCTURAL
  • MOBILE HOME SETUP and TIE DOWN ON SITE WITH HOOK UP
  • MOWING-RIGHT OF WAY
  • OFFICE MACHINES-INSTALLATION OR REPAIR
  • PAINTING SHOP ONLY
  • PAINTING-EXTERIOR UNDER 3 STORIES -INTERIOR
  • PAPER HANGING
  • PIANO TUNING
  • PLASTERING and STUCCO WORK
  • PLUMBING-COMMERCIAL and INDUSTRIAL
  • PLUMBING-DOMESTIC OR RESIDENTIAL
  • PREFABRICATED BLDG ERECTION
  • REFRIGERATION EQUIPMENT INSTALLATION, SERVICE OR REPAIR
  • SANDBLASTING
  • SEPTIC TANK SYSTEMS INSTALLATION, SERVICE OR REPAIR
  • SEPTIC TANK SYSTEMS-CLEANING
  • SEWER CLEANING
  • SEWER MAINS OR CONNECTIONS CONSTRUCTION – EXCLUDING SUBSIDENCE
  • SHEET METAL WORK SHOP AND OUTSIDE
  • SIDING/GUTTER INSTALLATION
  • SIGN ERECTION, INSTALLATION OR REPAIR
  • SIGN PAINTING OR LETTERING INSIDE OF BUILDINGS
  • SIGN PAINTING-OUTSIDE OF BUILDINGS
  • SOLAR ENERGY CONTRACTORS
  • STREET CLEANING – EXCLUDING SNOW REMOVING
  • SURVEYORS-LAND NOT ENGAGED IN ACTUAL CONSTRUCTION
  • SWIMMING POOL SERVICING ONLY
  • SWIMMING POOLS-SERVICE OR REPAIR ABOVE GROUND
  • SWIMMING POOLS-SERVICE OR REPAIR BELOW GROUND
  • TELEPHONE, TELEGRAPH OR CABLE LINE CONSTRUCTION
  • TELEVISION-RADIO INSTALLATION OR REPAIR
  • TENT, CANVAS, AWNING GOODS ERECTION, REMOVAL OR REPAIR
  • TILE/STONE/MARBLE/MOSAIC OR TERRAZZO WORK
  • TREE PRUNING/DUSTING/SPRAYING/REPAIRING/TRIMMING/FUMIGATING
  • TUB OR SHOWER FINISHING OR REFINISHING
  • UPHOLSTERING
  • UPHOLSTERING SHOP ONLY
  • WATER MAINS OR CONNECTIONS CONSTRUCTION EXCLUDING SUBSIDENCE
  • WATER PRESSURE CLEANING NOT SANDBLASTING
  • WATER SOFTENING EQUIPMENT INSTALL/SERVICE/REPAIR
  • WATERPROOFING
  • WATERPROOFING-PRESSURE APPARATUS
  • WINDOW CLEANING

Dallas Business Insurance Basics

What does all that mean?  That means if you get suied in the course of doing business, you need a commercial general liability policy to keep you from paying damages out of your pocket.  In fact general liability insurance not only protects you against having to pay money for damages, but it also includes the expense of hiring attorneys, building your case, and even time in court.

As previously mentioned, the typical general liability insurance policy includes the following liability coverages:

General Liability Definitions

Products Liability is the area of law in which manufacturers, distributors, suppliers, retailers, and others who make products available to the public are held responsible for the injuries those products cause.  Therefore, if you make a widget but because of a defect, it injures someone down the road, your business could be suied for the injuries caused by your widget.   As a result, product liability is included in most general liability policies to protect against lawsuits of this nature.

Completed Operations Liability insurance provides coverage for bodily injury and property damage rising from completed or abandoned operations, provided the incident occurs away from premises owned or rented by the insured. This coverage is similar to products liability coverage.  As a result, many companies group Products Liability and Completed Operations Liability into one coverage.

Premises and operations Liability is the part of the general liability policy that covers an insured for bodily injury or property damage liability to members of the public while they are on his premises. That means if someone comes into your office and falls and breaks a leg, you could be deemed liable or at fault.  Therefore, this coverage was added to the General Liability policy to protect business owners against lawsuits and claims of this nature.

As with most insurance policies, the commercial general liability insurance policies does not cover everything a business owner could be suied for. Depending upon the type of business you run, each policy contains a set of exclusions. Therefore it is always best to consult a business insurance expert.