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Anyone who comes in contact with you or your employees can file a claim or lawsuit against you for a range of reasons, including money needed for ongoing medical attention and unfulfilled promises stated in a business contract. Commercial liability insurance helps your business through challenging situations by covering the associated cost of legal defense and legal damages you may need to pay, up to the policy limits selected. Connect with a Leading Edge Holdings insurance agent about your options to cover your business with commercial liability insurance.

Commercial Liability Insurance Quotes

Liability insurance can help cover medical expenses, attorney fees, and other expenses you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind. For example, any individual or business providing an opinion, making recommendations, designing products/solutions, or offering a service is at risk for a professional liability lawsuit. Leading Edge Holdings Insurance Group can give you commercial liability insurance quotes and help you select a policy that will aid with defense costs, regardless of fault, as well as protection for judgments, court costs, and more.

Common Commercial Liability Claims

In case you’re curious what kinds of situation would be covered by commercial liability insurance, here are a few examples.

Lighting Problems

Sufficient lighting can help prevent falls and provide a more secure environment for everyone.

If someone is injured as a result of improper lighting that leads to a dangerous situation, it’s possible you could be found responsible for the incident.

Spills and Falls

Make sure spills are cleaned up immediately or, in the case of large spills, have an employee stand near the affected area until the spill has been completely cleared. Many companies utilize “wet floor” signs and make sure to use floor mats at entrances and other areas that are often wet or slippery. If someone falls as a result of a spill or wet/slick area in your business, it’s possible you’ll need to use commercial liability insurance to cover those costs.

Walkways and Parking Lots

Here are a few tips and tricks that could save you from needing to utilize your commercial liability insurance as a result of falls or injuries on your property. Conduct daily checks on all parking lots and exterior walkways to ensure a smooth and safe path. Repair potholes, large cracks, or uneven pavement areas. Use contrasting paint to mark wheel stops in parking lots to avoid trips and falls. Clear ice promptly from walkways and parking lots, and keep an eye out for other potential hazards.

Unsafe Stairs

Stairs are some of the most hazardous areas of any property. Secure handrails and steps on all stairways. Make sure stairs are adequately lighted from above and that single steps or uneven surfaces are illuminated so they can be easily seen. Lighted steps can help in particularly dark areas. Steps should have a non-skid surface or be equipped with abrasive strips for sure footing. Failing to observe these steps could result in injury to one of your employees or customers, impacting your commercial liability insurance.

Call the Business Insurance Experts

Contact Leading Edge Holdings Insurance Group today to learn more about your different insurance plan options and to receive business liability insurance quotes. We take pride in helping our clients identify the best insurance policies with the combination of coverage, value, and price that works for them. We can help make sure your Texas business insurance meets your needs and gives you peace of mind. Get a free insurance quote today, and begin the process of selecting your business liability insurance.

Contact Us

Feel free to contact us for a free insurance quote, or if you’d like to learn more about the insurance policies available from the providers that partner with Leading Edge Holdings. We’ll be more than happy to answer whatever questions you may have.