General Liability insurance · Texas
General liability for Texas businesses that deal with people
Customers, vendors, job sites. If your business interacts with the public, general liability is a foundation of your coverage, on its own or as part of a package.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a General Liability policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Premises liability
Injuries to customers or visitors at your location.
Operations liability
Damage or injury caused by your work at a customer’s site.
Products & completed ops
Claims arising from products you sell or work you’ve finished.
Personal & advertising injury
Certain claims such as libel, slander or advertising disputes.
Hired & non-owned auto
For errands in employees’ cars, rentals and hired vehicles.
Garage liability & garagekeepers
For dealers, repair, body and paint shops, including customer vehicles in your care.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Contractors and trades
- Retail, restaurants and offices
- Medical and professional practices
- Auto dealers, repair, body and paint shops
- Businesses that sign contracts requiring certificates of insurance
For auto businesses: garagekeepers
- Garage liability covers the liabilities of running your shop or dealership.
- Garagekeepers covers customers’ vehicles in your care, custody or control.
- Legal liability pays when you’re at fault. Direct primary can pay regardless of fault, which can help keep customers happy.
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
Is general liability required in Texas?
The state doesn’t require it for most businesses, but landlords, clients and contracts often do.
Does general liability cover my vehicles?
No. Owned vehicles need commercial auto. Hired and non-owned auto can be added for vehicles you don’t own.
What’s the difference between legal liability and direct primary garagekeepers?
Legal liability pays when you’re legally responsible for damage to a customer’s car. Direct primary can pay regardless of fault, subject to the policy.
General information only. Coverage depends on your policy; the actual policy language controls, and all coverage is subject to underwriting approval.
Ready to review your General Liability coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.