Commercial Insurance · Texas
General Liability Insurance in Texas
General liability protects your business when a customer, vendor or member of the public claims your operations caused an injury or property damage. Most commercial leases and many client contracts require it.
4.9 out of 5 starsGoogle reviews →What's covered
General Liability coverage options
Bodily injury
Medical costs and legal claims if someone is hurt because of your business operations.
Property damage
Damage you or your employees cause to someone else's property.
Personal & advertising injury
Claims of libel, slander or copyright infringement in your advertising.
Products & completed operations
Claims arising from products you sell or work you've finished.
Legal defense
Attorney fees and court costs, even if the claim is groundless.
A customer slips on a wet floor in your store. An employee damages a client's property while on a job. A competitor claims your advertising copied theirs. General liability insurance (often called CGL) pays for legal defense and settlements in situations like these, up to your policy limits.
Many Texas businesses carry limits of $1 million per occurrence and $2 million aggregate, but the right limit depends on your contracts and exposures. If a client or landlord requires higher limits, a commercial umbrella is often the most cost-effective way to get there.
What general liability does not cover
General liability does not cover injuries to your own employees (that's workers' compensation), damage to your own property (that's commercial property), professional mistakes (professional liability), or vehicles (commercial auto).
Who we insure
- Retail stores
- Restaurants
- Contractors
- Offices
- Gas stations
- Service businesses
Thank you.
Your request was received. An agent will contact you within one business day. For immediate help call (469) 345-6419.
Reference
Prefer to talk? Call (469) 345-6419
Client reviews
Rated 4.9 by our clients on Google
See what Texas business owners, homeowners and drivers say about working with our team.
Reviews shown are from Google. Read all reviews on Google →
FAQ
General Liability insurance FAQ
Is general liability insurance required in Texas?
State law doesn't require it for most businesses, but most commercial leases, clients and contracts do.
How much general liability coverage do I need?
Many businesses carry $1 million per occurrence and $2 million aggregate. We'll match limits to your contracts and risks.
Can I add a client as an additional insured?
Yes. We can add additional insureds by endorsement and issue certificates of insurance, usually the same business day.