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General Liability Insurance — Texas
Most Claims Don't Start Big — But They End That Way.
- Bodily Injury — Covers third-party injuries from your operations, your premises, or your work.
- Property Damage — Protection when your business damages someone else's property, on-site or off.
- Legal Defense & Settlements — Even unfounded claims require a defense. Often the largest cost.
Where most policies fall short
- Incorrect coverage limits that don't reflect real claim severity
- Hidden exclusions that remove coverage you assume you have
- Contractual liability gaps that shift risk back onto you
- Uninsured subcontractors whose exposure becomes yours
- Misclassified operations that inflate your premium
Built for businesses with real exposure
What does General Liability actually cover if my business is sued?
General Liability typically covers slip-and-fall accidents, property damage to others, and personal injury claims like libel or slander. It provides a financial cushion for legal defense costs and settlement amounts, ensuring a single lawsuit doesn't bankrupt your operations.
Is a General Liability policy enough, or do I need more coverage?
While General Liability is a vital foundation, it usually doesn't cover professional errors, employee injuries, or data breaches. For comprehensive protection, we often recommend pairing it with Professional Liability or a specialized Cyber policy depending on your industry.
How is my General Liability premium calculated?
Carriers evaluate your industry risk, annual revenue, and total payroll to determine your premium. As a strategic advisor, we help ensure your business is classified correctly so you aren't overpaying for high-risk categories that don't apply to your day-to-day operations.
What is the difference between General Liability and Professional Liability?
General Liability covers physical accidents, while Professional Liability (Errors & Omissions) covers service-based mistakes or bad advice. If a client claims your professional services caused them a financial loss, Professional Liability pays for your legal defense.
Do I need Professional Liability if I have a signed contract with my clients?
Yes. A strong contract is a great first line of defense, but it won't stop a client from filing a lawsuit. Professional Liability coverage ensures you have the legal resources to enforce your contract and protect your reputation without paying out of pocket.
What does "Claims-Made" coverage mean for my policy?
Most Professional Liability policies are claims-made, meaning the policy must be active both when the mistake happened and when the claim is filed. We help you manage tail coverage to ensure you stay protected even if you switch carriers or eventually retire.
