Texas General Liability Insurance

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Texas General Liability Insurance Policy Information

TX General Liability Insurance

Texas General Liability Insurance. TX general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

Texas general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in TX.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Texas general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your TX business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: Texas general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With TX general liability insurance, such issues are adequately handled.
  • Texas general liability insurance for contractors, Texas business insurance requirements, business liability insurance Texas cost, commercial general liability insurance, business insurance Texas cost, general liability insurance Texas cost, small business insurance Texas and Houston general liability insurance.

TX General Liability Insurance Cost

The cost of your Texas general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

TX Small Business Insurance By Industry And/Or Type

Select the Texas general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:


Advertising, Marketing and Media

Learn about Texas media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Agribusiness

Learn about TX agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.


Arts and Recreation

Read up on Texas arts and recreation commercial insurance.


Auto Sales, Service and Repair

Read about Texas auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.


Aviation

Learn about TX aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.


Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.


Children and Pets

Discover what Texas commercial insurance policies cover for children and pet related businesses.


Commercial Property

Read up on Texas commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.


Construction Contractors

Learn about Texas construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your TX construction business from lawsuits.


Contractors and Home Improvement

Learn about Texas contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your TX business from lawsuits.


Education, Colleges, Universities & Schools

Learn about Texas commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.


Financial Institutions

Discover the types of commercial insurance that banks, finance companies and other Texas financial institutions need to protect their asset management, deposit, lending, investment and other operations.


Food and Drink

Learn about Texas restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Health and Beauty

Learn about Texas health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Information Technology and Internet

Learn about Texas IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.


Lodging Places

Find out what types of business insurance that Texas hotels, motels and other lodging places should have to protect their varied operations.

Local, State And Federal Government

Discover what types of commercial insurance government entities in Texas need.

Manufacturing

Learn all about Texas manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.


Marine, Boat And Watercraft

Discover what types of commercial insurance government entities in Texas need.

Medical and Dental

Discover Texas business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Miscellaneous

Find informative articles on miscellaneous TX businesses including the types of commercial insurance they need, costs and other considerations.


Non-Profit

Find useful articles on business insurance for Texas non-profit 501(c)(3) organizations, charities and associations.


Professional Services

Get informed about Texas professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.


Real Estate

Learn about Texas real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.


Retail

Read valuable Texas retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Small Business Commercial Auto

Learn about Texas commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.


Small Business

Protect your company and employees with TX commercial insurance. Read informative articles on Texas small business insurance coverages - and how they can help shield your company from legal liabilities.


Sports and Fitness

Learn about Texas sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Warehouse and Storage

Learn about Texas warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.


Wholesale and Distribution

Read informative articles on Texas wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.


Texas Specific Commercial Insurance Articles

Read informative articles on TX commercial insurance including costs and coverages.




Texas Economic Outlook & Requirements For Commercial Insurance

Made In Texas

If you are considering opening up a business in the Lone Star State, you first want to make sure that it is a sound location for your operations. That means that you should understand some key information related to the state's economy, as well as the types of insurance coverages that businesses are legally required to carry.

Economic Outlook For The State Of Texas

In terms of the economy, Texas offers fantastic news for those who are thinking about starting up a business in this state. That's because the Lone Star State has the second largest economy of all 50 states in the nation. The gross state product is valued at an estimated at over $1.706 trillion in 2021. In 2015, the state was the headquarters for six of the top 50 Fortune 500 companies.

As expected, several industries contribute to the economy of Texas. One of the most notable industries is agriculture. In fact, this state has the highest production of cattle, sheep, and goat products. It is also the largest producer of cotton and cereal crops. Other crops that this state is famed for include cantaloupes, watermelons, and grapefruits.

Other leading industries in the State of Texas include:

  • Aeronautics
  • Defense
  • Computer Technology
  • Energy
  • Tourism
  • Entertainment
  • Healthcare

If you are considering going into business in TX, having an operation in any of these industries will likely afford you success.

Commercial Insurance Regulations For Business Owners In TX

The Texas Department of Insurance regulates is the main insurance regulatory agency in the Lone Star State. Texas is quite lenient when it comes to insurance requirements for business owners. In fact, there is only one type of insurance that business owners are legally required to carry, and that is commercial auto insurance. If you are planning on using a vehicle for anything related to your business, whether it's making deliveries, transporting goods, or meeting with clients, you must have a commercial auto insurance policy.

While Workers' Compensation coverage is required in every other state, in TX, is it not mandated; however, if you decide not to carry this type of coverage, you will be required to offer your employees some type of incentive package in the event that the do become injured or develop a work-related illness.

Request a free Texas General Liability Insurance quote in Abilene, Allen, Alvin, Amarillo, Arlington, Austin, Balch Springs, Baytown, Beaumont, Bedford, Benbrook, Big Spring, Brownsville, Bryan, Burleson, Carrollton, Cedar Hill, Cedar Park, Cleburne, College Station, Colleyville, Conroe, Coppell, Copperas Cove, Corpus Christi, Corsicana, Dallas, DeSoto, Deer Park, Del Rio, Denison, Denton, Duncanville, Eagle Pass, Edinburg, El Paso, Euless, Farmers Branch, Flower Mound town, Fort Worth, Friendswood, Frisco, Galveston, Garland, Georgetown, Grand Prairie, Grapevine, Greenville, Haltom City, Harker Heights, Harlingen, Houston, Huntsville, Hurst, Irving, Keller, Kerrville, Killeen, Kingsville, Kyle, La Porte, Lake Jackson, Lancaster, Laredo, League City, Leander, Lewisville, Little Elm, Longview, Lubbock, Lufkin, Mansfield, Marshall, McAllen, McKinney, Mesquite, Midland, Mission, Missouri City, Nacogdoches, New Braunfels, North Richland Hills, Odessa, Paris, Pasadena, Pearland, Pflugerville, Pharr, Plainview, Plano, Port Arthur, Richardson, Rockwall, Rosenberg, Round Rock, Rowlett, Sachse, San Angelo, San Antonio, San Benito, San Juan, San Marcos, Schertz, Seguin, Sherman, Socorro, Southlake, Sugar Land, Temple, Texarkana, Texas City, The Colony, Tyler, University Park, Victoria, Waco, Watauga, Waxahachie, Weatherford, Weslaco, Wichita Falls, Wylie and all other TX cities & Texas counties near me in The Lone Star State.

Also find Texas insurance agents & brokers and learn about Texas small business insurance requirements for general liability, business property, commercial auto & workers compensation including TX business insurance costs. Call us (214) 999-1966.

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