Dallas · A contract, not a city ordinance
Dallas does not get its own business-insurance code in this article. A small business needs the form that matches the risk: other people’s injuries, its own property, lost income after a covered shutdown, and vehicles used for the work. This page will not invent seven statistics.
General liability pays a third party’s bodily injury or property damage. It does not replace the company’s own building, inventory, or equipment, and it does not pay an employee hurt on the job. That injury is workers’ compensation, not general liability. This page will not invent an hour or wage threshold for who must buy it. Property insurance pays covered damage to the business’s own stuff, up to a limit that should track replacement cost. If costs rise and the limit does not, a partial loss can pay less than the invoice. Business income pays lost income after a covered peril shuts the operation, for the period the form prints. It is not a stipend because sales are slow. A businessowners policy often packages liability and property. It does not add vehicles or workers’ compensation by implication.
The product: business insurance. When the limit falls behind replacement cost: inflation and the limit. The other people’s side: liability. The vehicles: commercial auto. The piece of paper: certificates of insurance. Consumer help that is not a placement: TDI for consumers.
