Business Liability Insurance in Texas
Your business can face liability risks involving customers, employees, vendors, professional services, cyber incidents and everyday operations. Lavon Insurance helps Texas businesses explore commercial liability coverage based on how they operate.
Liability Coverage May Include
Liability Coverage for the Risks of Doing Business
Business liability insurance is not one single policy. Different types of liability insurance address different exposures.
Running a business can involve customers, employees, contractors, vendors, property, technology and professional services. Each can create a different type of liability risk.
The appropriate insurance program depends on your industry, operations, contracts, customers and other characteristics of the business.
Explore Business Liability Insurance
Select a coverage below to learn more about the different liability policies that may be available to your business.
General Liability Insurance
Coverage that can address certain covered third-party bodily injury, property damage, personal injury and advertising injury claims.
Explore General Liability →Cyber Liability Insurance
Cyber insurance can help businesses manage certain financial risks associated with covered cyber incidents, data breaches, ransomware and cyber liability.
Explore Cyber Insurance →Professional Liability & E&O
Coverage for certain claims involving alleged errors, omissions, negligence or professional services, depending on the policy.
Explore Professional Liability →Commercial Umbrella Insurance
Commercial umbrella coverage may provide additional liability limits above certain eligible underlying commercial liability policies.
Explore Commercial Umbrella →Employment Practices Liability
EPLI may address certain covered employment-related claims involving allegations such as discrimination, harassment or wrongful employment practices.
Explore EPLI →Other Commercial Insurance
Liability coverage may be only one part of your overall insurance program. Explore property, auto, workers’ compensation and other business coverage.
Explore Commercial Insurance →One Liability Policy May Not Cover Every Business Risk
Different liability policies are designed to address different types of claims.
| Type of Claim | Coverage That May Address It |
|---|---|
| Third-Party Claims | General liability may address certain covered bodily injury and property damage claims involving customers, visitors or other third parties. |
| Professional Services | Professional liability may address certain claims involving alleged errors, omissions or professional negligence. |
| Cyber Incidents | Cyber insurance may address certain covered expenses associated with data breaches, ransomware and other cyber events. |
| Employment Claims | EPLI may address certain qualifying employment-related claims depending on the policy. |
| Higher Liability Limits | Commercial umbrella insurance may provide additional limits above certain qualifying underlying policies. |
| Property & Operations | Businesses may also need commercial property, auto, workers’ compensation or other specialized insurance. |
Common Liability Exposures for Businesses
Customer Injuries
Customers or visitors may allege that an injury occurred at your premises or because of your operations.
Property Damage
Business activities can sometimes result in claims involving damage to property belonging to others.
Completed Work
Contractors and service businesses may face liability claims after work has been completed.
Professional Errors
Professional service businesses may face allegations involving mistakes, omissions or negligence.
Cyber Incidents
Data breaches, ransomware and other cyber events can create first-party and third-party financial exposure.
Employment Practices
Businesses with employees may face certain claims involving hiring, termination, harassment or discrimination.
Liability Coverage for Different Types of Businesses
Coverage needs can vary significantly by industry, operations and contractual requirements.
Contractors & Trades
Contractors and trades can face liability exposures at job sites, customer locations and completed projects.
Retail & Service Businesses
Customer-facing businesses can have premises, operational and product-related exposures.
Professional Businesses
Consultants, technology companies and other professional service providers can face exposures beyond general liability.
Restaurants & Hospitality
Hospitality businesses may have customer, premises, product and operational liability risks.
Growing Businesses
Hiring employees, signing larger contracts or adding locations can change a company’s liability exposures.
Technology-Dependent Businesses
Businesses that rely heavily on technology or sensitive information should also evaluate cyber liability exposure.
Business Liability Can Be Part of a Broader Insurance Plan
Some eligible businesses may use a Business Owner’s Policy to combine certain commercial property and general liability coverages.
A BOP does not necessarily address professional liability, cyber, commercial auto, employment practices or every other business exposure.
Think Beyond a Single Policy
- General liability
- Commercial property
- Cyber insurance
- Professional liability
- Commercial auto
- Workers’ compensation
- Commercial umbrella
- Employment practices liability
Commercial Insurance With Personal Service
As an independent insurance agency, Lavon Insurance can review available business insurance options from multiple participating insurance carriers.
Understand Your Business
We learn about your operations, customers, employees, contracts and other relevant business exposures.
Review Available Options
We review available commercial insurance options from participating carriers based on your business.
Understand Your Coverage
We help explain coverage, limits and important considerations so you can make an informed decision.
Business Liability Insurance in Lavon and North Texas
Lavon Insurance helps businesses throughout Texas explore commercial liability insurance, with a strong local focus on Lavon and surrounding North Texas communities.
Business Liability Insurance Questions
What is business liability insurance?
Business liability insurance is a general term for commercial insurance designed to address certain liability risks associated with operating a business. Different policies address different types of exposures.
Is general liability the same as business liability insurance?
Not necessarily. General liability is one type of business liability coverage. Businesses may also need professional liability, cyber liability, EPLI, commercial umbrella or other specialized insurance.
Does general liability cover professional mistakes?
General liability and professional liability address different exposures. Certain professional errors or omissions may require professional liability or errors and omissions insurance.
Does general liability cover cyberattacks?
A general liability policy should not be assumed to provide comprehensive cyber coverage. Dedicated cyber insurance may be needed for qualifying cyber exposures.
Does a Business Owner’s Policy include liability coverage?
A BOP commonly combines certain commercial property and general liability coverage for eligible businesses. Other liability exposures may require endorsements or separate policies.
How much business liability insurance does my business need?
Appropriate limits depend on your industry, operations, contracts, customers and potential exposures. Coverage requirements can also be affected by contracts, landlords and other parties.
Protect Your Business With the Right Liability Coverage
Every business has different risks. Let Lavon Insurance help you review your operations and explore available liability insurance options.
Coverage, eligibility, limits, exclusions, deductibles, endorsements and pricing vary by insurance company and policy.