Commerical Liability in Katy, TX
Commercial liability insurance may help cover costs when a business is held legally responsible for bodily injury, property damage or personal harm to others. It is essential for business owners because lawsuits, medical bills or settlements can quickly impact operations or financial stability.
What Does Commercial Liability Insurance Cover? 
Commercial liability policies may include coverage for the following:
- Bodily injuries suffered by customers or third parties on your business premises.
- Damage caused to another person’s property due to your business activities.
- Claims such as slander, libel or copyright infringement in advertising.
- Legal defense costs over attorney fees, court costs and settlements, even if the business is not found liable.
Commercial liability insurance does not cover everything. Most policies exclude intentional acts, employee injuries (typically covered under workers’ compensation), auto-related incidents involving company vehicles and damage to your property. Claims related to professional services or product recalls may also fall outside the scope of standard liability insurance.
Here are some examples of situations that may require commercial liability insurance:
- A customer trips over a loose rug in your store, injures their ankle and sues for medical expenses and lost wages.
- A contractor accidentally breaks a client’s light fixture while doing renovation work in their home.
- Your marketing team publishes an ad that unintentionally makes false claims about a competitor, resulting in a lawsuit.
- A passerby is injured when construction materials fall from scaffolding at your worksite.
- Your business unknowingly uses copyrighted images or slogans in advertising, and the rights holder sues.
Contact Us
Contact Katy Insurance Agency today to explore commercial liability insurance options for your business. Our team can help you find the appropriate policy.