Corpus Christi Business Liability Insurance
Corpus Christi business liability insurance will protect your company from third-party claims. Given that a lawsuit could put your Corpus Christi company out of business, it's absolutely essential that you have Texas business liability insurance coverage. Of course, your Corpus Christi liability insurance is only as good as the insurer you choose, so looking for a reliable insurance company should be high on your priority list.
If you're opening a bar, restaurant, or liquor store in Corpus Christi, you need to have a liquor liability policy. Your Corpus Christi business liability insurance won't cover you for claims related to alcohol. TX has relatively strict dram shop laws, so you probably need this policy.
Finding a High-Quality Texas Insurer
You probably know that some Corpus Christi business liability insurance companies will lie, cheat, and attempt to deny you coverage. However, not all Corpus Christ business liability insurance companies are that way. Like auto insurers, there some very reliable Corpus Christi business liability insurance companies who provide solid, affordable coverage.
How do you find a good business insurance company? Well, the best way to find a really good Corpus Christi business liability insurance company is to find a really good agent. An experienced Corpus Christi business liability insurance agent knows the reputation of different companies. Also, an agent who has experience in your industry, can help you assess your particular business risks and find the right policy.
Of course, for this to work, you're counting on your Corpus Christi business liability insurance agent. Like insurance companies, agents have a reputation for attempting to scam clients. Sometimes, an agent will mark up a premium and take the difference. Or, by selling you coverage that you don't need, he or she will cash in on a higher commission.
However, if you use your intuition, and interview a few different agents, you're likely to find a good one to work with. Obviously, you want to choose someone who seems trustworthy, efficient, and reliable. If you succeed, insuring your business will be much, much easier. Insuring a company is more difficult than insuring a car or person, because each company has specific risks, and an agent can make this much easier for you.
Many people believe that choosing a large, commercial Corpus Christi business liability insurance company is the way to go. Bigger companies need to take care of their clients in order to stay afloat. In any case, you should review the ratings and history of the various insurance companies that you're considering, and choose a stable insurer.
Corpus Christi Liquor Liability
If you serve liquor in Corpus Christi, you need to be aware of your state's dram shop laws. In 1987, the Texas Dram Shop Law was passed, allowing individuals to sue a person who serves, sells, or provides alcohol to a person who is drunk enough to cause harm. If the injured party can prove that the person was visibly intoxicated before he was served, the business who serve him is in trouble.
The law was extended in 1993, allowing not only an injured party to sue, but the intoxicated person to sue, as well. However, and intoxicated person can only recover damages only if the bar or liquor store was more responsible for his drunken behavior than he himself. It's a little subjective, isn't it?
In any case, Corpus Christ restaurants, bars and other establishments should consider liquor liability. It's important that your employees know that you can be held liable for damages sustained by a third-party. Also, it's not just an alcoholic or a third-party that can sue in Texas: minors can also sue.
So, if one of your employees serves a minor, and he or she leaves the bar and gets in a car accident, the minor can then sue your establishment. TX is rather strict in terms of dram shop, but not all liquor establishments in Corpus Christi carry this special coverage. Why not? Well, for one thing, it's costly.
Still, lawsuits are costly as well! In any case, if you are considering policies to cover you for claims related to liquor, you should check for a few things. First of all, make sure that the policy includes assault and battery coverage. Most liquor related claims concern fights that break out (assault and battery), so it may well be the most important component of your policy.
Also, you want to make sure that the defense costs aren't subtracted from the total coverage. If the policy doesn't cover defense costs, you will be dealing with sky-high legal fees. When you're considering various liquor policies, it's probably best to consult your Corpus Christi business liability insurance agent. He or she can help you figure out what you need in your liquor policy, and which ones provide the most affordable comprehensive coverage.
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