General Liability Insurance
Protect Your Business From Everyday Risks
Accidents happen—and when they do, general liability insurance helps protect your business from the financial fallout. From slip-and-fall injuries to property damage or legal claims, this essential coverage forms the foundation of any solid risk management plan.
What Your General Liability Insurance Can Include
Bodily Injury Coverage
Pays for medical bills, legal fees, and damages if someone is injured on your premises or because of your operations.
Property Damage Coverage
Covers repairs or replacement if you or your employees damage someone else’s property during work.
Products & Completed Operations Coverage
Provides protection if your product or service causes harm or damage after the job is done.
Legal Defense & Court Costs
Covers attorney fees, settlements, and court judgments—even in cases that are dropped or dismissed.
Personal & Advertising Injury
Protects your business from claims of slander, libel, copyright infringement, or false advertising.
Tenant Liability
Covers damage to rented commercial space caused by fire, explosion, or other covered incidents.
Essential Coverage for West Texas Business Owners
Liability risk is part of doing business here
Whether you operate a storefront in Lubbock, provide services on-site in Abernathy, or work from a home-based office, general liability exposure follows you. West Texas businesses frequently deal with foot traffic, contractor job sites, equipment in use, and shared public spaces—all of which can lead to accidents and lawsuits. Even if you’ve done nothing wrong, defending yourself against a claim can cost thousands. We help businesses across all industries secure general liability coverage that matches their operations, risk profile, and customer base—so a single accident doesn’t derail years of hard work.
Frequently Asked Questions
Is general liability insurance required in Texas?
It’s not required by state law, but it’s often required by landlords, lenders, and clients—especially before signing a lease or contract. Many job sites, retail centers, and service agreements require proof of liability insurance. Even if it’s not mandatory, it’s strongly recommended for any business with customer or public interaction. We’ll help you meet requirements and protect your business at the same time.
How much liability coverage do I need?
Most small businesses start with $1 million per occurrence and $2 million aggregate in coverage. However, higher limits may be needed depending on your industry, location, and the size of your customer base. If your work involves high-traffic areas, heavy equipment, or long-term contracts, we may recommend increasing your limit. We’ll review your risks and help you decide what makes sense.
What does general liability not cover?
It does not cover employee injuries (you’ll need workers comp for that), damage to your own property, professional errors, or intentional wrongdoing. It also doesn’t include auto-related claims or coverage for tools and equipment—that’s handled by other policies. We’ll explain where this policy starts and stops so you’re never caught off guard.
Does it cover work I’ve already completed?
Yes, with completed operations coverage, you’re protected if a product you sold or a job you finished later causes damage or injury. This is especially important for contractors, repair services, and manufacturers. If your work is part of a lasting structure or installation, you’ll want this included. Most policies offer it automatically, but we always double-check.
How much does general liability insurance cost in Texas?
Small business policies typically range from $400 to $1,500 per year, depending on your industry, claims history, and location. For high-risk industries, like construction or food service, rates may be higher. We’ll provide a custom quote that reflects your unique situation—and look for ways to save through bundling or safe-business discounts.
