What You Need to Know about Business Insurance in Longview, TX

The business world these days can be crowded, complex, confusing, and even dangerous. The economy has been on something of an upswing since the Great Recession in 2008 and 2009, but what says there will never be another one? Perhaps, you are not worried about a recession, but instead worried about your automobiles or liability in the event of an unfortunate circumstance. Here are some reasons you might need business insurance in Longview, TX and other such midsized cities.

Business Insurance for Automobiles

Depending on the type of business you are in, you might need automobile insurance. This is useful if you provide your employees with access to a car pool or with company cars of their own. In a private individual setting, you might have liability or full coverage on your vehicle that covers just you as the driver. In a business setting with various drivers for multiple cars, it is not necessarily possible to insure every driver individually. Business auto insurance can provide liability for all of your employees to drive your company cars. For example, a law firm that specializes in business insurance in Longview, TX would be ideal in that town because they will know the different quirks and idiosyncrasies of a smaller town. In a larger city, that might not be necessary since you will likely be dealing with nationwide insurance corporations.

Business Insurance for Employer Practices Liability

Employer practices liability insurance is slightly different from the more well-known employer’s liability. Employer practices liability provides an employer coverage for certain kinds of claims in the workplace such as wrongful termination, discrimination, and sexual harassment. Discrimination can be along any one or multiple intersecting lines such as race, gender, sexual preference, ethnicity, religion, among others. Employer practices liability protects a business from many of these potential lawsuits that can be filed by employees and former employees. Depending on the type of business, independent contractors and licensed vendors can also file these suits.

Business Insurance for Premises Liability

Premises liability protects a business owner from accidents or claims that might occur on the premises of your business. For a premises liability case, a certain individual has to be an invited as a guest on a certain premises and must be able to prove some kind of injury. Typically, trespassers are not covered by premises liability as they are not welcomed guests.

The plaintiff must be able to prove negligence or dereliction of duty on the part of the business. The most common form of complaint is a slip and fall. Slip and falls are fairly self-explanatory. This is when a customer or client is in a business and slips on something that shouldn’t be on the floor. This is oftentimes a spilled liquid, water from cleaning, or trash.

A law office such as Fullman & Lawrence Agency, which specializes in business insurance, can provide the coverage that you would need to protect yourself from such claims.

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