Protect Your Business in Texas with General Liability Insurance
Injuries, property damage, and jobsite risks can destroy a small business. We shop top-rated carriers to find the best coverage for your trade — fast, affordable, and tailored for Texas businesses.
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The Value of General Liability Coverage
What Does It Cover?
General Liability Insurance protects your business from lawsuits, jobsite injuries, and property damage claims. Plumbers, contractors, HVAC technicians, and electricians rely on this coverage to manage daily risk and protect against jobsite or third-party claims.
Your policy can help cover:
- Accidental damage to customer property. For example, equipment tips over and damages a client’s flooring during a job.
- Bodily injury to a third party on a job site. For example, a visitor slips on debris and requires medical treatment.
- Completed operations (work you've already finished). For example, finished work later causes damage to a client’s property.
- Legal defense and settlements. For example, a customer files a claim alleging your work caused injury or damage.
How Much Does It Cost?
Your cost depends on your trade, payroll, past claims, and the coverage you choose.
For example, a Texas drywall contractor with 3 employees might pay between $1,200 and $2,500 per year.
We'll get you the best price from trusted A-rated carriers. Most quotes take under 10 minutes.
What Texas Business Owners Need to Know About General Liability
Standard Policy Limits: 1M/2M
Most Texas GL policies are written with a $1,000,000 per occurrence limit and a $2,000,000 aggregate limit. The per-occurrence limit is the most your insurer will pay for a single claim. The aggregate is the total they'll pay across all claims in a policy year. Most commercial leases and general contractor agreements require these minimums. Some government contracts and large GCs require $2M/$4M or higher — those are available but cost more.
Class Codes Drive Your Premium
Insurers assign your business a class code based on what you do, and that code determines your base rate. A Texas office-based consultant might be rated at $3 per $1,000 of revenue, while a roofing contractor could be rated at $30+ per $1,000. Being assigned the wrong code — which happens often with multi-trade businesses — means you're overpaying or underinsured. An independent broker reviews your actual operations and matches you to the correct code.
Additional Insured & Waiver of Subrogation
If you work as a subcontractor in Texas, the GC will almost certainly require you to add them as an additional insured on your GL policy and provide a waiver of subrogation. Additional insured status means your policy covers claims the GC faces because of your work. Waiver of subrogation prevents your insurer from going after the GC to recover claim costs. In most Texas markets, adding additional insureds does not increase your premium. The endorsement is standard — but your agent needs to issue it correctly on the certificate of insurance.
Watch for the Action-Over Exclusion
Some low-cost GL policies sold to Texas contractors contain an "Action Over" exclusion. This effectively voids coverage if a subcontractor's injured employee sues you — one of the most common and expensive claim scenarios in construction. The exclusion is legal in Texas and appears in budget policies that win on price alone. Always ask whether your policy includes this exclusion before binding coverage. If it does, the savings aren't worth the risk.
How Is Quote Texas Insurance Different from Other Agencies?
Quote Texas Insurance works differently from traditional agencies. We operate as an independent brokerage that represents your interests. Here’s what that means for your business.
- Independent brokerage with no carrier bias
- Coverage options sourced from multiple insurance carriers
- Rate comparisons that support stronger long-term value
- Licensed professionals approved by Texas regulators
Two Ways to Get Your Quote
Texas General Liability Insurance FAQs
Will general liability insurance protect me if I am sued?
Does general liability cover injuries to people?
What about my work or subcontractors?
Does GL insurance cover my vehicles or tools?
Why do clients want to be “Additional Insured”?
How much does general liability insurance cost in Texas?
Is general liability insurance required in Texas?
8 Reasons to Choose Quote Texas Insurance
We shop 65+ top-rated carriers to get you the best match.
We compare rates, coverage, and service from leading insurers.
We speak directly with underwriters to avoid coverage gaps.
We give clear recommendations with simple explanations.
We play carriers against each other to get you the best rate.
We work only with A-rated companies that specialize in contractors.
We reject any carrier that won't meet your specific needs.
We make applying easy—no long paperwork, just fast results.
