Getting served with lawsuit papers is something no Texas business owner wants to experience. Yet lawsuits can arise for various reasons, ranging from slip-and-fall injuries to disputes over contracts or advertising. That’s where having the right commercial insurance with San Marcos Insurance Group, serving Chandler, AZ, becomes more than just a piece of paper—it’s real protection for your company’s future.

How Commercial Liability Coverage Works

General liability insurance is often the first line of defense when your business faces a lawsuit. It can help cover legal fees, settlements, or court judgments tied to bodily injury or property damage claims. For example, if a customer trips in your store and breaks an arm, or someone claims your product caused damage, your liability policy is there to step in.

This type of insurance also typically covers claims of personal or advertising injury, such as accusations of slander or copyright infringement. Without coverage, even a single lawsuit could drain company savings or force you to sell assets to cover legal costs.

Other Policies That Offer Protection

Depending on the nature of your business, you might also need professional liability insurance. This covers mistakes or alleged negligence tied to the services you provide. For instance, if you’re a consultant and a client claims your advice caused them financial harm, professional liability insurance can help cover defense costs.

If you own vehicles for business use, your commercial auto policy can also help cover legal expenses resulting from accidents involving those vehicles.

If you’re unsure whether your current policies provide adequate protection in the event of a lawsuit, a local agent in Texas can review your coverage and recommend ways to strengthen your safety net, ensuring one legal claim doesn’t jeopardize your business. Contact San Marcos Insurance Group, serving Chandler, AZ, today to learn more.