Commercial General Liability Insurance, Dallas TX

Protect Your Business with the Right Coverage

Your small business is more than just a job - it’s your passion. At the Thumann Agency, we understand how important it is to protect it. We’ll guide you through your liability insurance options and help you choose coverage that suits your unique goals and budget.

​Why Choose The Thumann Agency?

Choosing the right insurance agency can make a significant difference in protecting your business. Here's why the Thumann Agency stands out:

✔️ Independent Agency Advantage

We compare quotes from top-rated national insurance providers to find the best coverage at competitive rates—saving you time and money.

✔️ Local Risk Advisors

Our local, experienced agents help you make informed decisions so you can confidently protect your business.

✔️ Comprehensive Business Insurance Options

Beyond General Liability Insurance, we offer a full suite of business insurance policies to safeguard every aspect of your operations.

✔️ Specialized Knowledge of Texas Business Regulations

As an Independent agency, we understand local laws and market conditions that the larger insurance companies may overlook.

Experience the difference of working with an agency that truly understands your business.

What Is Commercial General Liability Insurance?

Commercial General liability insurance (CGL) helps protect your business from financial losses due to third-party injuries, property damage, or legal claims. Whether it’s a slip-and-fall accident at your storefront or accidental damage to a client’s property, this coverage safeguards your business and reputation.

Bodily Injury
Example: A customer slips on a wet floor and breaks an ankle—this coverage pays for medical expenses.

Property Damage
Example: A technician accidentally damages a client's office window—this covers repair costs.

Personal & Advertising Injury
Example: A competitor sues you for defamation due to an ad—this helps with legal defense.

Medical Payments
Example: A delivery person trips on uneven flooring at your restaurant—this covers their medical bills.

Legal Defense Costs
Example: Your business is sued for an incident beyond your control—this helps with attorney fees and settlements.

Need tailored coverage? We can customize a policy that fits your unique business needs.

Request a Quote | Talk to an Expert

Why Is General Liability Insurance Important?

Running a business can come with unexpected twists and turns. General liability insurance may help protect you from certain risks, depending on your specific policy. Here are a few reasons it matters:

• Legal Protection
  May cover court costs, attorney fees, and settlements if someone takes legal action against your business.

• Financial Security
  Can shield you from out-of-pocket expenses that could strain your budget and disrupt your cash flow.

• Contract Compliance
  Many landlords and vendors ask for proof of insurance, so having coverage often opens more doors for your business.

• Peace of Mind
  Operate confidently, knowing you have a safety net if things don’t go as planned.

Who Needs CGL Insurance?

• Contractors & Builders - Protect against worksite injuries and property damage.
• Retail Stores - Cover slip-and-fall accidents and product liability.
• Restaurants & Cafés - Handle medical expenses and legal fees.
• Event Planners - Ensure coverage for injuries or damages at venues.
• Freelancers & Consultants - Safeguard against reputation-related claims.

What Does Liability Insurance Cost in Dallas, TX?

The average cost for small businesses in Texas is approximately $42 per month (around $500 per year).

Factors that affect your premium:

• Industry Risk Level – Higher-risk businesses (e.g., construction) pay more.

• Business Size – More employees or higher revenue can increase costs.

• Claims History – Previous claims may raise your premium.

• Coverage Limits – Higher limits mean higher costs.

What Happens If You Don’t Have GLI?

❌ Lawsuits - Legal claims for injuries or damages can cost thousands.
❌ Lost Business Opportunities - Many clients won’t work with uninsured businesses.
❌ Out-of-Pocket Expenses - You’ll be responsible for medical bills and legal fees.

The Bottom Line

Texas doesn’t require general liability insurance by law for most businesses, but having the right coverage is a smart move for protecting your hard work.

• Many clients and contractors won’t sign a contract with you unless you have proof of insurance.
• The Texas Department of Insurance ensures policies are fair and protect business owners like you.
• Texas anti-indemnity laws impact who takes financial responsibility for certain risks—especially in construction.

The Thumann Agency takes the guesswork out of insurance, ensuring your policy meets Texas regulations and keeps your business secure.

Have questions? We’re here to help. Call (972) 991-9100 to chat with a friendly expert today!

FAQs About Liability Insurance in Dallas

What’s the difference between General Liability and Professional Liability Insurance?

• General Liability covers physical injuries, property damage, and advertising claims.

• Professional Liability covers errors or negligence in services provided.

Is General Liability Insurance required for contractors in Dallas?

While Texas doesn’t mandate it, most contractors need it to get permits and contracts.

Can I bundle General Liability Insurance with other policies?

Yes! Combining General Liability, Workers' Compensation, and Property Insurance can save money.

How do I get a Certificate of Insurance (COI)?

You can request one from your provider or through our team at the Thumann Agency.

What other types of liability insurance do you offer?

Professional Liability Insurance
Cyber Liability Insurance

Why Work with an Independent Insurance Broker?

As an independent agency, we aren’t tied to one provider. We shop multiple top-rated insurance carriers to find the best policy for you.

Why Texas Business Owners Choose The Thumann Agency:
⭐⭐⭐⭐⭐ 4.9 out of 5 stars based on 250+ reviews

Clients love us for:
Fast, hassle-free quotes
Significant savings on policies
Clear, honest explanations of coverage

Request a Quote | Talk to an Expert

Last Updated: 02.02.2025
Author: Steve Thumann, Licensed Texas Insurance Broker.
**Sources: Texas Department of Insurance, **National Association of Insurance Commissioners

Disclaimer: This page is for educational purposes only. Coverage details vary by provider. Contact us for a personalized quote.