Your guide to
General Liability Insurance in Texas
One accident involving a customer or a job site can lead to a costly claim. Our agency helps you understand how general liability works, what it usually covers and where its limits are.
What it covers
What general liability usually covers
General liability responds to claims from other people, not damage to your own property or injuries to your employees. Coverage details and limits depend on the policy.
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Bodily injury
Helps if your business is held responsible for someone being hurt, such as a customer who slips and falls at your location.
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Property damage
Helps if your business is held responsible for damaging property that belongs to someone else.
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Personal and advertising injury
Can apply to claims such as libel, slander or certain copyright issues in your advertising, depending on the policy.
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Medical payments
Can pay minor medical bills for someone injured at your business, often without having to prove fault.
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Products and completed operations
Can respond to injury or damage caused by a product you sell or by your work after it is finished.
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Legal defense
For a covered claim, the insurer generally provides or pays for your legal defense, depending on the policy.
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Why it matters
Understand what general liability does not do
General liability is often the first coverage a landlord, client or general contractor asks to see. It is designed for claims made by others, so it usually does not pay to repair your own property or cover claims about errors in professional services.
Injuries to your employees, business vehicles and professional mistakes are generally handled by other policies. We can review how your business operates and help you see which pieces fit together.
If a contract asks you to name someone as an additional insured, review that request before you sign.
Who carries it
Businesses that often carry general liability
- Retail stores
- Restaurants
- Fitness studios
- Salons
- Contractors and the trades
- Cleaning services
- Landscapers
- Event businesses
Often requested by
- Commercial landlords
- Clients
- General contractors
- Event venues
- Property managers
Answers
General liability questions
Straight answers to common questions. If yours is not here, call or text our agency.
There is generally no statewide requirement for most businesses, but certain licensed occupations, leases and client contracts may require it. Review the rules and agreements that apply to your business.
Generally no. General liability is for claims from others. Your own building, tools and inventory are usually protected through commercial property coverage or a BOP.
A certificate of insurance is a document that summarizes your coverage so a client or landlord can confirm you carry it. It does not change the policy itself.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.