Summertime Liability Risks: What Texas Business Owners Need to Know

Summer can be a lucrative and exciting time for businesses in the Lone Star State. However, the long days and warm temperatures of this time of year can also be perilous, potentially endangering employees and customers. In situations where your business is liable for other parties’ bodily injuries or property damage, subsequent financial losses could be immense. Understanding summer-related liability risks and securing appropriate insurance is key.

What Types of Insurance Do I Need for Summertime Liabilities?

Liability risks can come in many forms and may impact various parties. A well-rounded business insurance portfolio should help protect your financial interests and reputation, potentially assisting with legal fees, medical bills and property repair costs. Consider how the following types of insurance might help account for summer-related liability risks:

• General liability insurance—During summer, you might experience increased foot traffic at your business. The more people who visit, the greater your risk of third-party injuries. General liability insurance may help manage these situations, such as if a customer suffers from heat illness due to poor ventilation or overcrowding.
• Professional liability insurance—Also known as errors and omissions insurance, this type of coverage may offset financial losses if a client accuses you of providing improper services. During summer, high temperatures could mean your employees can’t work outdoors or that certain equipment is unusable. Should such delays lead to professional liability claims, your policy may help limit financial consequences.
• Employers’ liability coverage—Typically included in workers’ compensation insurance, this type of coverage can help manage legal expenses if your staff sues you after being injured or developing an illness on the job. For example, if employees suffer heat stroke, your policy might be key to your defense and financial resilience.
• Liquor liability insurance—For businesses in the hospitality sector, summer can be an especially busy time of year. If you serve or sell alcohol, you’ll want to make sure you have suitable coverage. Otherwise, you could be held liable for actions committed by intoxicated patrons.

We’re Here to Help

At Nolasco Insurance & Tax Services in Clute, Texas, we can help your business understand summer liability risks and secure appropriate coverage. Contact us today to speak with one of our qualified agents and explore available policies.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.