General Liability Insurance
Bodily injury and property damage claims from your operations, premises, and work can happen to any business. General liability is your first line of defense, and for most Texas businesses, it's non-negotiable.
The foundational liability protection every Texas business needs
General liability insurance protects your business when someone claims your operations, your premises, or your products caused them physical harm or damaged their property.
A customer slips and falls in your office. A contractor accidentally damages a client's property. A product you sold causes an injury. Without GL coverage, your business absorbs those costs directly: legal defense, settlements, and judgments, which can be financially devastating for a growing company.
What's typically covered
LLC status limits your personal liability for business debts. It does not replace insurance coverage for claims arising from your business operations. A slip-and-fall lawsuit against your LLC still requires legal defense and, if lost, a judgment the LLC must pay.
Additional Insured requirements
If your business contracts with general contractors, property owners, or corporate clients, you'll regularly receive requests to add them as additional insureds on your GL policy. This is standard business practice, not a burden, and your policy should accommodate these requests efficiently.
We make sure your GL policy is structured to handle additional insured endorsements quickly, so you can meet contract requirements without delays that cost you work.
General liability does not cover your own property, professional errors, employment practices claims, intentional acts, or cyber incidents. A comprehensive commercial P&C program typically pairs GL with additional coverage lines to close those gaps.
Is your General Liability coverage actually doing its job?
Many business owners don't know what their General Liability policy limits are, what's excluded, or whether their additional insured setup is current. A 15-minute review can answer all three.
Coverage descriptions on this page are general in nature and for educational purposes only. Actual policy language governs all claims. All coverages are subject to policy terms and conditions. Speak with a licensed insurance professional for guidance specific to your business.