General Liability Insurance Texas

Protect your Texas business with tailored general liability coverage, ensuring peace of mind in the Lone Star State's dynamic business landscape.
Benefits Single Icon
Instant quote available
Benefits Single Icon

Custom-tailored policies for Texas specific risks

Benefits Single Icon
Emergency contact number
Benefits Single Icon
24/7 Claims
Why Us?

Why Choose TWFG Commercial in 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

Card Icon
Local Expertise
With over a decade serving Texas businesses, our local insurance experts understand the unique liability risks faced by companies in the Lone Star State. From Houston's energy sector to Austin's tech startups, we provide tailored solutions that align with Texas regulations and business needs.
Card Icon
Industry Expertise
Our licensed professionals specialize in general liability coverage across various Texas industries. We stay updated on emerging risks in sectors like oil and gas, technology, and agriculture. This ensures your policy provides comprehensive protection against industry-specific claims unique to Texas.
Card Icon
Beyond Basic Coverage

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.

Ideal For

Who needs General Liability Insurance in Texas?

• 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.

In Texas's diverse business environment, companies face unique liability challenges. Our general liability insurance provides essential protection against third-party bodily injury, property damage, and advertising injury claims. For instance, construction firms in rapidly growing cities like Austin and Dallas must manage increased risks associated with large-scale projects. Similarly, Houston's bustling restaurant scene requires robust protection against food safety claims and customer accidents. Securing comprehensive general liability insurance isn't just smart business—it's crucial for protecting your Texas enterprise against unexpected claims. Contact our Texas office today for coverage options tailored to your specific industry and location.
Get a Quote
Audience Image

Get Personalised Advice from Texas Insurance Experts

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.

General Liability Insurance Coverage Details

Comprehensive protection for Texas businesses, addressing regional risks and regulatory requirements.

Card Icon
Comprehensive General Liability Coverage Explained

Our Texas general liability insurance safeguards your business against third-party claims for bodily injury, property damage, and advertising injury. Key protections include:

• Bodily Injury Coverage: Protection against claims from customer injuries on your premises
• Property Damage Liability: Coverage for damage to others' property caused by your business operations
• Personal and Advertising Injury: Protection against claims of libel, slander, or copyright infringement

Card Icon
Industry-Specific Risks in Texas

Texas businesses face unique liability challenges requiring specialized coverage:

• Oil and Gas Risks: Protection against environmental damage claims and worksite accidents
• Tech Industry Risks: Coverage for intellectual property disputes and data breaches
• Agricultural Risks: Protection against claims related to crop damage or livestock incidents
• Hospitality Risks: Coverage for food safety issues and guest injuries

Card Icon
Texas General Liability Requirements

While Texas doesn't mandate general liability insurance for all businesses, many industries have specific requirements:

• Construction: Most contracts require minimum coverage levels
• Professional Services: Certain licenses may require liability insurance
• Government Contractors: State and local contracts often specify insurance requirements
• Landlords: Many commercial leases in Texas require tenants to carry liability insurance

Card Icon
Enhanced Coverage Options for Texas Businesses

Enhance your Texas business protection with these critical coverage add-ons:

• Product Liability: Essential for manufacturers and retailers in Texas
• Cyber Liability: Crucial for tech companies in hubs like Austin and Dallas
• Employment Practices Liability: Important for all Texas employers
• Commercial Auto: Necessary for businesses with company vehicles navigating Texas roads

Arrow Icon
Arrow Icon
Business image

Considerations for Local Businesses in Texas

Texas businesses must navigate a complex regulatory environment. The Texas Department of Insurance oversees insurance regulations, with specific requirements varying by industry and location. For example, coastal businesses may need additional windstorm coverage. In 2022, Texas saw over 300,000 general liability claims, with an average settlement of $75,000. The most common claims involved slip-and-fall accidents (40%), property damage (30%), and product liability (20%). Texas's business landscape is growing rapidly, with a 15% increase in new business formations since 2020. This growth, particularly in urban areas like Houston, Dallas, and Austin, has led to a 25% increase in liability claims. Texas faces unique risks from natural disasters, with hurricane-related claims averaging $1.5M per event in coastal regions. The state's diverse economy, from oil fields to tech startups, requires specialized insurance solutions to address industry-specific risks.
Expertise

How much does General Liability Insurance cost in Texas?

General liability insurance costs in Texas average $600 to $1,200 annually for small businesses. However, your specific premium depends on several factors:

Speak with an Agent
1
Industry Type

High-risk industries like construction in booming Texas cities may face higher premiums due to increased liability exposure.

2
Business Size and Revenue

Larger Texas businesses or those with higher revenues typically require more coverage, leading to higher premiums.

3
Claims History

Texas businesses with a history of liability claims may see increased rates. Maintaining a clean record can help control costs.

4
Location Within Texas

Urban areas like Houston or Dallas may have higher premiums due to increased foot traffic and higher property values.

5
Coverage Limits and Deductibles

Higher coverage limits increase premiums, while higher deductibles can lower them. We'll help you find the right balance for your Texas business.

Support

Frequently Asked Questions

Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.

What does General Liability Insurance cover for Texas businesses?
+
-

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.

Is General Liability Insurance required by law in Texas?
+
-

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.

How much does General Liability Insurance cost in Texas?
+
-

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.

Can I customize my General Liability policy for specific Texas business risks?
+
-

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.

How does Texas's legal environment affect General Liability Insurance?
+
-

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.

What are the typical coverage limits for General Liability Insurance in Texas?
+
-

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.

Start Your Coverage Today

Join hundreds of Texas businesses who trust us with their General Liability Insurance - it only takes minutes to begin.

Get Started

Request a Free Quote

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.

Ready for the next step?
Call us at +1 (713) 388-6681 or fill the form.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.