General Liability Coverage in Texas

Businesses purchase this type of insurance to protect them from negligent acts which occur on business property.  If you make a personal injury claim against a business for negligence by the business or any of its employees, then the general liability policy for that company will compensate you if you have a valid claim.  For example, picture Tom day dreaming about his girlfriend while driving a forklift for his employer, Home Depot.  Unfortunately, Tom doesn’t see Bob, a customer, and runs him over with the forklift.  If the preventable accident caused Bob serious injuries, Bob could make a personal injury claim on Home Depot’s general liability policy to compensate him for his injuries.  The claim would be based on Tom’s negligence for which Home Depot would be responsible.

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