General Liability Insurance Broker in Houston, Texas
General Liability Insurance is one of the most commonly purchased insurance products for businesses and professionals. Whether packaged with other important business insurance pieces, or purchased by itself, general liability insurance is one of the most important pieces of protecting your business. TexPro Insurance offers comprehensive help in managing your business risk. Check out some more information about General Liability Insurance below.
Some Common Endorsements to a General Liability Insurance policy:
Hired & Non-Owned Auto Insurance
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HNOA is an endorsement that can be added on to your business policy that can help pay for damages caused by the cars your business uses but doesn't own. This optional feature helps to cover your business's liability for accidents that occur while driving leased vehicles, rentals, and employee-owned cars for company errands.
Most Commercial policies don't cover claims when the accident involves the below:
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An employee runs an errand for your business in their personal vehicle.
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A limo you hired for an important client.
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A car you rent for your sales team.
*Hired & Non-Owned Auto Insurance can help protect your business in these unique situations.
General Liability Insurance for Auto Shop and Garage Owners
If you own an auto shop or garage in Texas, then your business needs a proper auto shop/garage policy.
This includes:
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Dealers
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Auto Repair
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Body Repair Shop
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Paint Shop
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Etc.
Below is a guide that will help navigate what types of insurance your business needs.
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General Liability and GarageKeepers
TexPro Insurance partners with some of Texas’ best garage insurance companies. Please contact us, and we will help you every step of the way.
Garage Liability
Garage Liability serves as your primary source for insuring the liabilities of running your business.
However, this can leave a large gap in your operations and that is where Garage Keepers comes in. This is an optional coverage to General Liability policy that is designed for the auto industry.
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GarageKeepers
GarageKeepers is an option to a general liability policy that helps cover your customer's vehicle when it is in your care and custody. The would cover damages to vehicles when you are at fault. Coverage applies like a regular auto policy with a deductible per vehicle, and coverage amounts are adjustable per auto and per lot.
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Garage Keepers: Legal Liability vs. Direct Primary
Legal Liability is a type of GarageKeepers policy that helps cover claims you are liable for: damaging the customers car, etc. You are legally liable to pay as it is your fault.
Direct Primary is the beefed up version of the Legal Liability GarageKeepers option. Essentially Direct Primary covers you no matter if it’s your fault or not, and the vehicle is in your possession at your lot. These are two specific things: weather and theft. If a car is on your lot and weather damages, or someone steals this is technically not your fault. However, since it is on your lot, the client may want to sue or want to file a claim against you. This covers everything legal liability does PLUS those not-at fault incidents
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The main thing about direct primary is that it is designed to help retain customers. Also direct primary covers two additional things that are typically not included with legal liability (these factors are hard to be legally liable for, therefore not included unless you have direct primary): Weather and Theft. These are the two factors that apply to this option the most.
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Getting General Liability Insurance For Your Business
Risk management is an integral part of the daily operations of your business. If you want to be protected from claims that can cripple your business, contact a trusted general liability insurance broker in Houston, Texas today. Our friendly, expert team at TexPro Insurance would be happy to give you a free quote for general liability insurance.