General Liability Insurance for Texas Businesses — Essential Protection, Fast Proof
Lawsuit Protection 101 — Safeguard Your Business From Costly Risks
General liability insurance (GL or CGL) is the foundation of every smart business insurance plan. It shields your company from financial fallout if someone is injured at your premises, you accidentally damage someone else’s property, or you face legal claims for things like libel or slander. Willingham Insurance Agency helps Texas businesses get the right GL policy so a single accident or lawsuit never threatens your livelihood.
Real-World Scenarios — What’s Protected?
A customer slips and falls at your office or shop — GL pays for their medical bills and your legal defense.
A contractor accidentally damages a client’s property — GL covers the repair costs.
Your product or completed work causes injury or damage — GL pays for claims and settlements.
An employee (not driving) damages a client’s property on a job — GL responds (but professional advice errors need different coverage).
General liability does not cover professional errors, employee injuries, or auto accidents — ask us about additional policies for those needs.
Coverage for Every Business, Big or Small
Virtually every business in West Central Texas should have general liability — from retail shops and restaurants to contractors, farms, and offices. Whether you’re a sole proprietor or a growing company, GL protects your business, meets contract requirements, and unlocks more opportunities.
How Much Coverage Do You Need?
Typical policies start at $1 million per occurrence / $2 million aggregate, but higher limits are available.
You can add an umbrella policy for even more protection (see our Commercial Umbrella Insurance).
Endorsements are available for fire legal liability, leased/rented premises, and more.
GL doesn’t cover professional liability (for advice-based businesses) — ask us for options if needed.
Fast Certificates, Custom Policies, and Local Support
Clients, landlords, and vendors often require proof of GL insurance before you can start a project or sign a lease. Willingham Insurance Agency works with top commercial carriers, helps determine the right limits for your operation, and provides certificates of insurance (COIs) quickly — so you never lose work waiting on paperwork.
Your General Liability Insurance Questions, Answered
What does general liability insurance cover for a business?
Third-party injuries, property damage, legal costs, and some personal/advertising injuries. Not professional errors.
Is general liability insurance required in Texas?
It’s not required by law for most businesses, but is often required by contracts, landlords, and clients.
How much general liability insurance do I need?
We review your industry, contract needs, and risks to recommend sensible limits for your business.
General liability vs professional liability — what’s the difference?
GL covers physical injury and property damage; professional liability covers financial losses from advice or services.
Don’t Let a Lawsuit Close Your Doors — Get a GL Quote Today
Let Willingham Insurance help you secure general liability coverage that fits your business and your budget. Reach out for a custom quote, fast proof of insurance, and expert local guidance.