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General liability coverage and benefits in Texas
If you’re a small business owner in Texas, you likely need general liability insurance. General liability coverage, also known as commercial general liability or CGL, isn’t technically required by Texas. Still, it’s one of the most important small business insurance products you can buy. General liability insurance covers your company if someone ever sues you for bodily injury, property damage, or advertising injury. For example, if a customer ever hurts themselves while visiting your business—and then sues you for $100,000 in damages—general liability coverage would step up to pay for legal help and the cost of any financial settlement.
There are plenty of other great reasons to purchase general liability, too. Many large clients require proof of general liability insurance coverage before hiring you to do their project (they don’t want you to go out of business because of a legal claim!). Plus, 40% of small businesses will face a liability claim in the next ten years—and most won’t have the money or resources to fight that claim on their own. If you don’t get general liability coverage, your business could get stuck with a huge bill.
Ultimately, going without general liability isn’t worth the risk to your TX business.
How much does commercial general liability insurance cost in Texas?
The cost of your general liability coverage in Texas depends on a few factors, such as your safety record, the kind of business you operate, your insurance policy limits, and where you’re located. That’s right, location matters, too: an auto shop in Dallas-Forth Worth may demand different types of business insurance needs than a beauty parlor based out of Austin or a Houston BBQ joint.
The median premium cost that Huckleberry customers pay for a general liability insurance policy is $700 per year—but your rate could be higher or much lower. Huckleberry customers have paid as low as $47 per month for their general liability coverage—which is just a little over $1 per day! But the quickest way to find out what you’d pay is to get an insurance quote with Huckleberry. (It’s online and super easy.)
Most common Texas businesses getting general liability insurance::
3 reasons to buy general liability insurance from Huckleberry
It’s really fast. In fact, 95% of Texas business owners get the coverage they need in under 5 minutes.
There’s no paperwork. You’ll do everything through our online portal.
You might pay less for coverage. (And maybe a lot less.)
Common questions about Texas general liability insurance
No, Texas small businesses are not required to carry general liability. That said, there’s a good chance your next major client will require it! Lots of companies ask for proof of general liability coverage before they sign a contract with you—they won’t trust you with their project unless they’re sure an unexpected lawsuit won’t put you out of business or temporarily suspend business operations.
Keep in mind that many insurers will allow you to purchase general liability as part of your Business Owner’s Policy (BOP). Neither standalone business liability insurance nor a BOP can replace a workers’ compensation policy, which most states legally require.
You need general liability insurance in Texas because the survival of your business could depend on it. Almost half of all small business owners will fight a liability claim in the next ten years, and many of those claims will cost tens of thousands of dollars in defense costs. Once you figure in all the time, energy, and lawyers required to fight the battle on your own, then general liability coverage begins to make a lot of sense.
Basically: if you don’t have the resources and legal team to fight a liability claim, you should buy general liability insurance for your small business. Get general liability insurance now—in just 5 minutes.
You probably still need liability coverage (most small businesses do).
You can find out your eligibility—and get a quick idea of how much you’d pay for general liability—by getting a 60-second coverage estimate here.)
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