General Liability Insurance for Businesses

General liability insurance is fundamental protection for any business, covering third-party claims for bodily injury, property damage, and advertising injury.

What General Liability Covers

Bodily Injury

Protects when someone is injured:

• On your business premises
• By your products
• During your operations
• At off-site locations where you work

Property Damage

Covers damage to:

• Customer property
• Third-party property
• Property at job sites
• Rented property

Personal and Advertising Injury

Protects against claims for:

• Libel and slander
• Copyright infringement
• False advertising
• Invasion of privacy

Why Your Business Needs It

Contract Requirements

Many clients require general liability insurance before:

• Signing contracts
• Working on their property
• Providing services
• Bidding on projects

Lawsuit Protection

Legal defense costs can be devastating:

• Attorney fees
• Court costs
• Settlements
• Judgments

Business Credibility

Having insurance demonstrates:

• Professionalism
• Financial stability
• Risk management
• Commitment to customers

Coverage Limits

Standard Limits

• $1 million per occurrence
• $2 million aggregate (annual)

Higher Limits Available

• $2 million/$4 million
• $5 million/$10 million
• Umbrella policies for even higher limits

What's Not Covered

General liability typically excludes:

• Professional errors (needs E&O insurance)
• Employee injuries (needs workers comp)
• Auto accidents (needs commercial auto)
• Intentional acts
• Contractual liability (unless added)

Cost Factors

Premiums depend on:

• Business type and industry
• Annual revenue
• Number of employees
• Claims history
• Coverage limits
• Deductibles

Industry-Specific Considerations

Contractors

• Higher risk of property damage
• Job site liability
• Completed operations coverage

Retail

• Slip and fall risks
• Product liability
• Premises liability

Service Businesses

• Client property damage
• Professional liability needs
• Lower physical risk

Additional Coverages to Consider

Product Liability

Essential if you manufacture, distribute, or sell products.

Completed Operations

Important for contractors and service businesses.

Hired and Non-Owned Auto

Covers vehicles used for business but not owned by the business.

Working with TGI Agency

We help Texas businesses find comprehensive general liability coverage at competitive rates. Our team specializes in:

• Risk assessment
• Coverage customization
• Competitive pricing
• Claims support

Contact us for a general liability insurance quote tailored to your business.