Coverage
General Liability Insurance for Texas Contractors
This is the one coverage almost every contractor needs. General liability protects your business when someone else gets hurt or their property gets damaged because of your work. We see this all the time — a GC won't let you on site without it, a property manager needs a COI before you start, or a client wants proof you're insured before signing the contract. It's the foundation everything else is built on.
What General Liability Covers
Third-party bodily injury — someone gets hurt on your job site or because of your work
Third-party property damage — you damage a client's property or a neighboring structure
Personal and advertising injury — libel, slander, copyright infringement claims
Medical payments — minor injury costs regardless of fault
Products and completed operations — claims that come in after the job is done
Legal defense costs — attorney fees, court costs, settlements (this is where the real money is)
Who Needs General Liability?
Any contractor working on residential or commercial projects
Subcontractors required to show proof of insurance to a GC
Contractors bidding on jobs that require a COI
New contractors setting up their first policy
Self-employed tradespeople working on client property
Need General Liability Coverage?
We shop multiple carriers to find the best rate for your business.
Common Claims Examples
A painter accidentally damages a client's hardwood floor with a paint spill — the homeowner wants $8,000 for refinishing
A plumber's work causes a water leak that ruins drywall and flooring in a finished home
A visitor trips over tools left on a job site and breaks their wrist — now there's a lawsuit
An electrician's completed work causes a short that fries a client's appliances two months later
Frequently Asked Questions
Get a General Liability Quote
Tell us about your business and we'll shop carriers for the best rate.
Let's get your coverage figured out.
Submit your info and we'll shop options from multiple carriers. Most quotes come back within one business day.