General Liability Insurance, Texas

Protect Your Business with General Liability Insurance

At the Thumann Agency, we understand the unique needs of Texas businesses. As an independent insurance agency, we take pride in providing personalized service that goes beyond just finding you coverage. We compare rates from over 80 of the nation’s top insurance carriers, ensuring you get the best coverage at the best price. Whether you’re running a small business or managing a larger operation, our team of experts is here to help protect your business from risks and liabilities.

Why Choose the Thumann Agency for General Liability Insurance?

• Independent Agency Advantage: We shop and compare quotes from multiple carriers to find the perfect fit for your business.
• Expert Advice: Our team has over 28 years of experience helping Texas businesses find tailored insurance solutions.
• Comprehensive Coverage Options: In addition to General Liability Insurance, we offer a full range of business insurance policies designed to meet your specific needs.
• Local Expertise in Texas Law: As a Dallas-based agency with deep knowledge of Texas business law, we understand the local market and legal requirements that other generic or national agencies may overlook.

Does Texas Require General Liability Insurance?

While Texas does not legally require most businesses to carry general liability insurance, it is highly recommended. Accidents happen, and the costs can be devastating without proper coverage. General liability insurance protects your business from lawsuits, property damage, and medical expenses resulting from accidents on your premises.

In industries like construction and real estate, many clients and contractors will require you to carry general liability insurance before starting a project.

Risk of Going Uninsured: Without general liability insurance, a single lawsuit could result in tens of thousands of dollars in out-of-pocket expenses, potentially crippling your business. Let the Thumann Agency help safeguard your company from unexpected financial hits. Start your general liabilty insurance quote today.

What is the Average Cost of General Liability Insurance in Texas?

The cost of general liability insurance in Texas varies depending on several factors, including your industry, business size, and coverage limits. On average, small businesses in Texas pay between $400 and $1,500 annually for general liability coverage.

Factors that affect cost include:

• Industry risk level: Higher-risk industries (e.g., construction) tend to pay more.
• Business size: Larger businesses with more employees or higher revenue may see higher premiums.
• Claims history: A history of claims can raise premiums.

If you're looking for affordable general liability insurance for small businesses in Texas, we can help you find the right coverage at a competitive price. Contact us today 972.911.9100

What is the Recommended Liability Coverage in Texas?

Most Texas businesses should carry at least $1 million in general liability coverage, which is a standard recommendation. This provides protection for:

• Bodily injury claims
• Property damage claims
• Legal defense costs

For businesses in higher-risk industries, consider additional umbrella coverage for even greater protection. As one of the best general liability insurance for contractors in Dallas, we recommend customizing your policy to reflect your unique operational risks.

What Does General Liability Cover? 

Texas General Liability Insurance provides essential protection for businesses against a wide range of risks and liabilities. Here’s an overview of what it typically covers:

1. Bodily Injury

This covers claims related to physical injuries that occur to third parties (such as customers, vendors, or visitors) as a result of your business operations. For example, if a customer slips and falls on your premises, general liability insurance will cover medical expenses, legal fees, and any settlements or judgments.

2. Property Damage

If your business operations cause damage to someone else’s property, general liability insurance will cover the cost of repairs or replacement. For example, if you’re a contractor and you accidentally damage a client’s property while on the job, this insurance will cover the associated costs.

3. Personal and Advertising Injury

This protects your business from claims of defamation, slander, libel, or copyright infringement in your advertising or public statements. For instance, if a competitor claims that your marketing campaign damaged their reputation, your policy can cover legal costs and any potential settlements.

4. Medical Payments

General liability insurance typically includes no-fault medical payment coverage. This means that if someone is injured on your premises, your policy will cover their medical expenses, regardless of who was at fault, which can prevent lawsuits from escalating.

5. Legal Defense and Court Costs

If a claim against your business goes to court, general liability insurance will cover legal fees, attorney costs, and any other court-related expenses. Even if your business is not found liable, the legal costs can add up quickly, and this coverage ensures that you won’t face a financial burden.

Real-World Example:

A restaurant owner in Texas faces a lawsuit after a customer is injured by a falling light fixture. The customer sues for medical bills and lost wages. The restaurant’s general liability insurance covers the legal costs, medical payments, and settlement, ensuring the business isn’t financially devastated by the incident.

Exclusions: What General Liability Doesn’t Cover

While general liability insurance offers broad protection, there are certain things it typically does not cover, such as:

• Employee Injuries: You’ll need workers’ compensation insurance to cover injuries to employees.
• Professional Errors: For claims related to professional services or advice, you’ll need professional liability insurance (also known as errors and omissions insurance).
• Auto-Related Accidents: Any accidents involving company vehicles would be covered by commercial auto insurance.

By having a general liability insurance policy in place, Texas businesses can operate with peace of mind, knowing they’re protected from the most common risks they might face. It’s an essential part of a comprehensive business insurance plan. Start your general liability insurance quote today. 

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Get a Free Insurance Audit

At the Thumann Agency, we don’t just sell policies; we ensure you’re getting the best protection. Book a free consultation today, and we'll review your current policies to ensure you're fully covered at the most competitive price. We also offer discounts for bundling general liability insurance with other essential policies like workers' compensation or commercial property insurance.

Other Important Insurance Policies for Your Texas Business

In addition to general liability insurance, Texas business owners should consider additional policies for full protection:

• Commercial Property Insurance: Protects your physical assets, like buildings, equipment, and inventory.
• Workers’ Compensation Insurance: Covers employees in case of work-related injuries or illnesses. 
• Commercial Auto Insurance: Provides coverage for company vehicles used for business purposes.
• Professional Liability Insurance: Protects against claims of negligence or mistakes in professional services.

Many Texas businesses bundle general liability with other policies for complete coverage. Talk to one of our helpful agents today to see how bundling could save you money and provide extra protection. Call 972.991.9100

Get a Free, No Obligation Quote from the Thumann Agency

Looking for affordable general liability insurance in Texas? Contact the Thumann Agency today for a free quote on General Liability Insurance in Dallas, TX. Let us help you find the right coverage to keep your business protected and thriving.