What General Liability Insurance Covers
General Liability (GL) insurance protects your business if it's held responsible for:
Bodily injury to a third party
Damage to someone else's property
Legal defense costs related to covered claim
Certain personal or advertising injury claims
Common examples include slip-and-fall accidents, customer property damage, or claims involving libel or slander.
Is General Liability Required in Texas?
Texas law doesn't require general liability insurance-but many landlords, vendors, and client contracts do. In practice, GL insurance is often essential for operating professionally and qualifying for leases, projects, or partnerships.
Coverage Limits and Customization
A $1 million per-occurrence limit is common, but coverage should reflect your business size, industry, and risk profile. Some businesses may need:
We help structure limits that make sense-without overpaying.
Higher liability limits
Industry-specific endorsements
Additional insured certificates for contracts
How General Liability Fits Into a Larger Strategy
General liability is often paired with other coverages:
Included in a Business Owner's Policy alongside property insurance
Coordinated with workers' compensation insurance, which covers employee injuries
Extended with umbrella coverage when additional liability protection is needed
Why Businesses Rely on General Liability
Liability claims can be costly. Medical expenses, settlements, and legal fees add up quickly. General liability insurance helps ensure one incident doesn't jeopardize years of work building your business.
Certificates, Contracts, and Compliance Made Simple
If a client or landlord requires proof of insurance, we provide Certificates of Insurance promptly. This helps keep projects moving and demonstrates professionalism.
Common Questions About General Liability Insurance
What does general liability insurance cover?
General liability typically covers third-party bodily injury, property damage, and personal/advertising injury claims. It can also include legal defense costs, depending on policy terms, limits, and exclusions.
Is general liability insurance required in Texas?
Texas doesn’t require general liability for most businesses by law, but landlords, vendors, and contracts often do. Many jobs won’t move forward without proof of coverage and limits.
How much general liability coverage do I need?
Limits depend on contracts, foot traffic, job size, and asset exposure. Many businesses start with $1M/$2M, then adjust based on leases, clients, and risk profile.
Does general liability cover employees or workplace injuries?
General liability generally does not cover employee injuries. Workplace injuries are typically addressed by workers’ compensation or alternative employer liability arrangements, depending on business structure and state rules.
Confidence Starts With the Right Coverage
General liability insurance isn't about expecting problems-it's about being prepared for them. Crump Management helps Texas businesses secure coverage that's clear, compliant, and aligned with real risks.
