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General Liability Insurance Texas

General Liability

What is Texas General Liability Insurance?

Texas General Liability Insurance helps protect your business from property damage claims, bodily injury claims, and/or personal and advertising injury claims that could put your business’s assets at risk. For example, General liability insurance helps protect you and your business in the event of the following:

It might be the only coverage you need. However, as good as it is, it will not prevent claims alleging professional errors, inconsistent employment practices, or alcohol-related injuries if you sell or serve liquor. Respectively, you’ll need professional liability, employment practices, and liquor liability insurance to solve that.

What does Texas Commercial General Liability Insurance cover?

Commercial General Liability Insurance offers some of the broadest business insurance coverage available today. It is included in a Business Owner’s Policy and is known as stand-alone coverage. Here are a few of the risks a business could face that the policy can help protect against:

Need Specialty General Liability Insurance in Texas?

For “higher hazard” liability exposures, our advisers are experienced in hard-to-place and unique products and premises risks. We offer solutions for manufacturers, wholesaler-distributors, and importers of difficult-to-place products and others with unusual or difficult General Liability exposures. Stand-alone or bundled with other solutions, we find the coverage and services are designed to provide a total solution. Policy coverage helps protect against third-party injuries and associated defense costs in addition to other high hazard exposures.

General Liability Insurance Texas: Do I Need It?

If you own a business, then you must protect that business. Commercial General Liability Insurance can help protect your business against claims for bodily injury and property damage resulting from the actions of your business – whether they be intentional or unintentional. General Liability Insurance can also provide coverage for claims involving advertising injury, defense costs, and medical payments.

If you are self-employed in Texas, then General Liability Insurance can help protect your assets in the event of a lawsuit or claims against your business. Even if you are not conducting business today, you still recommend that you purchase an insurance policy. You never know when you may need it.

Having this type of protection in place can make a world of difference in the event of any unforeseen circumstances. Your commercial business needs this protection, and you will be surprised at just how affordable it is.

Benefits of having general liability insurance include:

What is Commercial General Liability Insurance in Texas?

Commercial General Liability Insurance is a type of insurance policy that provides coverage to businesses for bodily injury, personal injury, and property damage caused by the business’s operations.

It covers a wide range of risks that businesses face, including slip-and-fall accidents, property damage caused by the business’s operations, and advertising injury claims.

A key thing to note here is, this insurance does not cover every type of risk, and some exclusions may apply.

Businesses in Texas should be aware of the minimum insurance requirements for their industry, as some industries may have specific insurance requirements.

Overall, CGL insurance is an essential protection for Texas businesses to have in order to safeguard against potential legal claims and lawsuits.

Texas Commercial Liability Insurance Requirements

In Texas, commercial general liability insurance is not legally required by the state. However, it is highly recommended for all businesses to have this coverage.

Many businesses in Texas choose to have commercial general liability insurance because it can protect them from financial losses due to claims of property damage, bodily injury, and personal and advertising injury. This policy can also cover legal fees and settlements if a lawsuit is filed against the business.

Although there are no legal requirements for commercial general liability insurance, some industries may have specific insurance requirements. For example, contractors and construction businesses may need to have a certain level of liability insurance to bid on certain projects.

That’s why it is recommended for business owners to research industry-specific insurance requirements and consult with an insurance professional to determine the appropriate level of coverage for their business.

Commercial General Liability Insurance Texas Cost

On average, a small business in Texas can expect to pay anywhere from $300 to $5,000 a year for a general liability insurance policy.

This policy is designed to protect businesses from the most common lawsuits filed against them. It also covers the cost of legal fees, medical expenses, and damages if a third party is injured or their property is damaged due to the business’s operations.

The cost of commercial general liability insurance in Texas can be affected by several factors, including the type of business, the location, the industry and the insurance company you choose.

For example, a business that operates in a high-risk industry, such as construction, may pay more for coverage than a business that operates in a low-risk industry, such as retail.

Best Commercial General Liability Insurance

With hundreds of options available for commercial general liability insurance in Texas, it can be overwhelming for business owners to choose the best policy.

No need to worry because I have researched some of the top insurance companies in Texas that offer commercial general liability insurance. These include

To find the best policy, it is recommended to shop around and compare quotes from multiple insurance providers. It’s also important to carefully review the policy coverage and exclusions to ensure it meets the needs of your business.

Pro tip:Seeking advice from a reputable insurance professional can also help in finding the best commercial general liability insurance for your business.

Help protect your business with General Liability Insurance.

More and more businesses are being sued for things like negligence, libel, slander, property damage, bodily injury, copyright infringement, among other things. And businesses can be sued even when they did nothing wrong.
That’s why having general liability protection through Texas General, an agency that has been helping businesses prevail for more than 65 years, is critical.

Ready for a quote? Learn more about how you can tailor your business insurance coverage.