Is General Liability Insurance required?

While it isn't required by Texas law for most businesses, many clients, landlords, and contracts require proof of General Liability before work can begin.

What is a Certificate of Insurance (COI)?

A certificate of insurance is a document that provides proof of your coverage. Many contractors and business owners need a COI to bid on projects, sign contracts, or access job sites.

Does General Liability Insurance cover my employees?

No. General Liability typically does not cover employee injuries. Workers' Compensation Insurance is designed to help cover work-related injuries and illnesses involving employees.

Does General Liability cover my tools and equipment?

No. Tools, equipment, and other business property are generally covered under separate policies, such as inland marine or equipment coverage.

Can I bundle General Liability with other business coverages?

Yes. Many businesses choose to combine General Liability insurance with other coverages such as Commercial Auto, Workers' Compensation, Builders Risk, or a Business Owner's Policy (BOP) for broader protection and added convenience.

General Liability

Third-party bodily injury

Helps cover claims when a customer, vendor, or member of the public is injured and your business is found responsible.

Property Damage

Helps cover the cost of damage to someone else's property caused by your business operations.

Legal defense costs

Helps cover the legal expenses of defending your business against covered claims and lawsuits.

Advertising injury claims

Coverage for certain claims involving libel, slander, copyright infringement, and other advertising-related disputes.

Medical payments

Covers minor medical expenses for third-party injuries on your premises or caused by your operations. Helps resolve small claims quickly and avoid legal disputes.

Who Needs General Liability Insurance?

General Liability coverage is important for many businesses, including:

General Contractors
Painters
Remodelers
Roofers
Electricians
Handyman
Plumbers
Cleaning Companies
HVAC Contractors
Retail Businesses
Landscapers
Professional Offices

If customers, vendors, or the public interact with your business, this coverage is worth considering.

Local, Personalized Service

Work directly with a local agent who understands Texas businesses

Competitive Pricing

We believe in customer service. Speak directly to an agent who can guide you through your coverage options.

We shop Multiple A+ Rated Carriers

As an independent agency, we have access to multiple carriers to find the best coverage and value for your needs.

Fast Certificates of Insurance

Need proof of coverage quickly? We can help issue certificates when available.

General Liability for Texas Businesses

What Does General Liability Insurance Cover?