General Liability Insurance
for Texas Contractors & Businesses
General Liability (GL) is the foundation of any contractor's insurance program. It protects your business from the financial impact of third-party claims for bodily injury, property damage, and completed operations — the everyday risks that come with running a contracting business in Texas.
What General Liability Covers
Third-Party Bodily Injury
Covers medical expenses and legal costs if a client, visitor, or bystander is injured due to your business operations.
Third-Party Property Damage
Pays for damage you cause to someone else's property while performing your work — a broken window, damaged flooring, or a ruined vehicle.
Completed Operations
Protects you after a job is finished if a client claims your work caused injury or damage — critical for contractors.
Personal & Advertising Injury
Covers claims of libel, slander, copyright infringement, or false advertising arising from your business.
Products Liability
Included in most GL policies — covers claims arising from products you sell, distribute, or manufacture.
Why Texas Contractors Need GL Insurance
Most general contractors and property owners require subcontractors to carry GL before they can work on a job site.
A single bodily injury claim can easily exceed $100,000 in medical and legal costs — enough to bankrupt a small business.
Texas has no mandatory GL requirement, but without it you're personally liable for every claim.
Completed operations coverage protects you even after the job is done — claims can come months or years later.
Certificates of Insurance (COIs) are required by most commercial clients, municipalities, and HOAs.
What's NOT Covered by GL
- ✕Your own tools and equipment (covered by Inland Marine / CPP)
- ✕Employee injuries (covered by Workers' Compensation)
- ✕Your own vehicles (covered by Commercial Auto)
- ✕Professional errors and omissions (covered by E&O / Professional Liability)
- ✕Intentional acts or criminal activity
Ask us about bundling GL with other coverages for a complete protection package.
Eligible Contractor Classes
Our GL program covers 200+ contractor and trade classes across Texas. Here are some of the most common eligible businesses:
Don't see your trade? Contact us — we likely have a market for it.