General Liability Insurance for Texas Business Owners
When the Unexpected Happens, Be Prepared
Protect Your Business from Costly Accidents & Claims
General liability insurance helps cover the risks that come with running a business—like customer injuries, property damage, or legal claims. It’s affordable, essential, and often required by landlords or contracts.
We help businesses across Northeast Texas get the right protection without the legalese. Whether you're a contractor, shop owner, or consultant, we’ll make sure you’re covered when something goes wrong.
Bodily injury
coverage
Bodily Injury Coverage:
When Someone Gets Hurt
If someone is injured at your business or on a job site, bodily injury coverage can help pay for medical expenses or legal claims. This is one of the most common—and most important—types of liability protection.
- Covers customer injuries
- Helps with medical bills
- Legal fees & settlements
- Common requirement for leases & licenses
- Essential for retail, service & contractor businesses
Property Damage
Property Damage:
Accidents Happen—We’ve Got Your Back
Mistakes happen. If your business damages someone else’s property, this coverage helps with repair or replacement costs. From scratched floors to broken equipment, you don’t have to face the bill alone.
- Covers damage to customer or third-party property
- Works on job sites or off-site
- Legal defense included
- Common for trades & service pros
- Often required for subcontractors
legal & Personal Injury
Legal & Personal Injury:
Extra Protection for Unseen Risks
Sometimes lawsuits aren’t about injuries or property. This coverage includes things like advertising injury, slander, or libel—because reputation matters. It helps protect your business from high-cost legal claims that can come out of nowhere.
- Advertising mistakes or defamation
- False claims & reputational damage
- Legal defense included
- Works alongside professional liability
- Great for consultants, creatives & more
Need Help Understanding Requirements?
Whether it’s a lease, client contract, or vendor agreement, we’ll review what’s needed and help you meet it without overpaying. We make liability insurance simple and stress-free.
Liability Coverage, Demystified
Your Questions, Answered Clearly
No jargon. No fine print. Just real answers from a local team you can trust.
Who needs general liability insurance?
Just about every business can benefit. It protects against common claims—especially if you interact with customers, work on-site, or advertise your services.
Is general liability required by law?
Not usually—but it’s often required by landlords, contractors, or licensing boards. And it’s one of the smartest protections a business can have.
How much coverage do I need?
Most small businesses start with $1M/$2M limits, but we’ll recommend a level based on your work, client contracts, and risk exposure.
Does this cover employee injuries?
No—general liability only covers third-party claims. For employees, you’ll want a separate workers’ comp policy (which we can help with too).
Can I bundle liability with other coverage?
Yes! General liability is often part of a business owners policy (BOP), which can include property and more—at a lower combined cost.