INSURANCE · TEXAS
General Liability Insurance
Protect your business if a customer gets hurt, you damage someone’s property, or you are sued over your advertising.
What it covers
Bodily injury
Injuries to customers or others caused by your business (TDI).
Property damage
Damage you or your work cause to other people’s property.
Personal and advertising injury
Claims like slander, libel or copyright misuse in your ads (TDI).
Products and completed work
Claims from products you sell or work you finished.
Legal defense
Helps pay to defend covered lawsuits.
Who needs it in Texas
- Texas does not generally require general liability by law, but landlords, clients and contracts often do.
- Contractors, retail shops, restaurants and service businesses commonly carry it.
- It does not cover your own injured employees (that is workers’ comp), professional mistakes, or your vehicles (III).
Common questions
Is general liability required in Texas?
Not by state law for most businesses, but leases, clients and licenses often require it.
What does it not cover?
Employee injuries, professional errors, vehicles, and damage to your own property are covered by other policies (III).
What is a certificate of insurance?
A document proving you have coverage, often asked for by clients. We can help you get one from your carrier.
Is a business owners policy (BOP) the same thing?
A BOP usually bundles general liability with property coverage. We can compare both.
How AVYRO helps
- Tell us what you need to cover, by phone or online.
- We compare options from our appointed carriers.
- You pick the coverage, and we handle the paperwork.
Carriers we work with
Availability depends on the carrier, your location and underwriting. We will tell you which carriers can quote you.
Sources: TDI: Commercial general liability · III: Small business insurance basics · III: Liability insurance
AVYRO Insurance & Tax is a licensed Texas insurance agency (TX Lic #3366212), not an insurance company. Coverage, rates and eligibility are set by the issuing carrier and are subject to underwriting. Quotes are estimates until a policy is issued. Not all carriers or products are available in all areas. This page is general information and does not change any policy terms; your policy controls. Rules can change, so check the sources above. Not legal advice. We never ask for your Social Security or driver’s license number through this site.
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