Short Term Liability | Blog | City Centre Insurance Agency

What Types of Businesses Can Benefit from Short-Term Liability Insurance?

Posted on April 30, 2025April 23, 2025 by admin

Owning a business requires more than knowledge of your products, services, and customer base. If you’re located in Houston, TX, obtaining the right short-term liability insurance may be necessary, depending on your particular industry. At City Centre Insurance Agency LLC, we’ll work with you to find and build a policy that reflects your exact needs year-round.

When is Short-Term Liability Insurance Recommended?

Although most individuals and business owners may not need short-term liability insurance year-round, there are a few exceptions when it is necessary. Short-term liability insurance can be helpful during special events, short-term contracts, or high-risk projects. Reviewing short-term liability options with your preferred agency is ideal to ensure you’re optimally covered.

What Does Short-Term Liability Coverage Protect?

Short-term liability insurance can protect you from property damage, legal fees, and third-party bodily injuries that are not covered by standard business insurance. Short-term liability coverage is commonly referred to as general liability insurance.

Types of Businesses That Benefit From Short-Term Liability Coverage

For those living and working in Houston, the following business types may benefit from short-term liability coverage:

Freelancers: Protects against property damage and/or lawsuits
Contractors: Working in plumbing, HVAC, or electrical work requires additional coverage by building owners and general contractors.
Vendors and Event Planners: Coverage for property damage and potential guest injuries when planning and/or hosting events.
Food Truck Owners: Permits access to venues (that require permits).
Artists: Protects against property damage, especially when work is shared in a public space.

Understanding which businesses may benefit from short-term liability insurance is crucial for anyone managing a venture in Houston, TX. If you’re in Houston and want to optimize your coverage, speaking with an agent you can trust is always a good idea. To learn more about short-term liability and when it’s ideal for businesses in Houston, contact City Centre Insurance Agency LLC today.

Situations That Warrant Short-Term Liability Protection

Posted on October 28, 2024October 25, 2024 by admin

Short-term liability insurance offers adequate protection when conducting scheduled services that won’t take long to complete. Consider some situations that warrant carrying this type of insurance coverage.

Contractor Jobs

A business contractor typically handles jobs of varying levels of complexity. Each job may not take long. The circumstances of an independent contractor’s work may change so often that their insurance needs to change, too.

Obtaining short-term liability protection offers contractors a flexible way to customize the insurance coverage that is needed. They can base the coverage on the actual job they will be performing and the type of setting where the work will take place.

Liability protection will cover tools and equipment used from the onset of a contracting project. It will also cover accidental injuries and damage to property used at the location where contracting duties are being executed.

Remote Jobs

Photographers, wedding planners, and caterers are some examples of professionals who often perform work duties in remote locations.

Because job duties and settings change each time a new job is done, a professional’s liability concerns will likely change, too. A short-term liability protection plan will cover damage and injuries in each work setting.

Professionals can acquire short-term coverage whenever they are planning to schedule a new job. The coverage will protect against unforeseen events resulting in property damage or injury to a person.

Get Insurance Advice on Short-Term Liability

Meet with one of our agents who serves Houston, TX. An agent from City Centre Insurance Agency LLC will inquire about the types of jobs that you are typically hired for. After determining your risk level, they will formulate a short-term liability plan to protect your best interests.

Which Professions Benefit the Most From Short-Term Liability Insurance?

Posted on December 20, 2023December 31, 2023 by admin

Probably the best thing about short-term liability insurance is that you can choose when you need it and when you don’t. For some business owners, liability insurance isn’t always a requirement, and there are some professions in the Houston, TX area that benefit greatly from this insurance policy.

Benefitting From Short-Term Liability Insurance

1. Personal Trainers

Like other professions, personal trainers can work all year, but there are times when they may not be actively training clients. Once clients learn the best ways to improve their health and exercise regimens, the need for a trainer is reduced. Personal trainers who take on new projects for a temporary time find short-term liability to be easy to manage until the contracts have ended.

2. Building Contractors

Not all building contractors work full-time, or they decide to take on projects periodically throughout the year. Short-term liability allows them to be covered for exactly how long the project will last and gives them the protection they need without having to pay for a full policy when they do not have active projects.

3. Landscape Contractors

Once the weather starts to cool down, the demand for landscape projects will start to subside. For landscape contractors, short-term liability insurance is ideal because they can adjust it to match the seasonal demand.

4. Contract Nurses and Caregivers

There are some health specialists who take contract positions, being caregivers for recovering patients in their homes. These assignments are always temporary, ranging between weeks and maybe a couple of months, so these contract nurses can be covered with liability protection while they are assisting these families.

City Centre Insurance Agency LLC Is Here To Help

There are other small businesses that can take advantage of short-term liability insurance in the Houston, TX area. Contact our agents at City Centre Insurance Agency LLC today for more information.