General Liability Insurance Texas

Your Texas enterprise deserves protection from a partner who understands local business risks and regulations.
• Deep understanding of Texas business landscape and liability concerns
• Expert knowledge of state-specific insurance requirements and regulations
• Customized coverage for Texas-specific risks, including natural disasters
We go beyond standard general liability coverage with premium risk management services tailored for Texas businesses. Our enhanced options include quarterly risk assessments and specialized endorsements for Texas-specific concerns, helping prevent claims while ensuring robust protection.
• Retail Stores: Texas retailers need protection against customer injury claims and property damage incidents in their stores.
• Construction Companies: Texas builders require coverage for workplace accidents, property damage, and completed operations liability.
• Restaurants: Eateries across Texas need protection against food-related illness claims and slip-and-fall accidents.
• Professional Services: Texas consultants and service providers need coverage for reputational harm and advertising injury claims.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Texas businesses, addressing regional risks and regulatory requirements.

General liability insurance costs in Texas average $600 to $1,200 annually for small businesses. However, your specific premium depends on several factors:
High-risk industries like construction in booming Texas cities may face higher premiums due to increased liability exposure.
Larger Texas businesses or those with higher revenues typically require more coverage, leading to higher premiums.
Texas businesses with a history of liability claims may see increased rates. Maintaining a clean record can help control costs.
Higher coverage limits increase premiums, while higher deductibles can lower them. We'll help you find the right balance for your Texas business.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
General Liability Insurance in Texas typically covers bodily injury, property damage, and personal/advertising injury claims. This includes slip-and-fall accidents, damage to client property, and claims of libel or slander. It's particularly important for Texas businesses due to the state's large economy and diverse industries, from oil and gas to technology and healthcare. The policy can help protect against lawsuits and medical expenses, which can be significant in Texas's legal environment.
While Texas law doesn't universally mandate General Liability Insurance, many industries and contracts require it. For instance, construction contractors often need it for state projects, and commercial landlords typically require tenants to carry it. Some Texas cities, like Houston or Dallas, may require certain businesses to have liability coverage for licensing. Additionally, many Texas companies require their vendors and subcontractors to have this insurance as a condition of doing business.
The cost of General Liability Insurance in Texas varies based on factors like business size, industry, location, and coverage limits. On average, small businesses in Texas might pay between $300 to $1,000 annually for a $1 million policy. However, high-risk industries like construction or businesses in hurricane-prone areas along the Gulf Coast may pay more. Texas's competitive insurance market often results in rates that are comparable to or slightly below the national average.
Yes, you can tailor your General Liability policy to address specific Texas business risks. For example, you might add endorsements for pollution liability (crucial for oil and gas companies in areas like the Permian Basin), product liability (important for Texas manufacturers), or cyber liability (essential for tech companies in Austin's Silicon Hills). Some insurers offer Texas-specific endorsements to address risks like severe weather events or unique state regulations.
Texas's legal environment significantly impacts General Liability Insurance. The state's tort reform laws, enacted in 2003, have generally led to more predictable liability risks and potentially lower insurance costs. However, Texas still sees a high volume of lawsuits, particularly in areas like slip-and-fall cases and construction defect claims. The state's large number of small businesses (over 2.7 million) also contributes to a competitive insurance market with diverse coverage options.
In Texas, many small to medium-sized businesses opt for General Liability coverage limits of $1 million per occurrence and $2 million aggregate. However, larger companies or those in high-risk industries often choose higher limits. For example, oil and gas companies in Houston or large contractors in Dallas might carry limits of $5 million or more. Some Texas industries, like healthcare or technology, may require additional coverage through umbrella policies to meet their risk management needs.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.