Presley Insurance Group
General Liability Insurance for Texas Businesses
Presley Insurance Group helps Texas businesses, contractors, and trades protect themselves from everyday third-party risks with general liability insurance built for real-world job sites, offices, and customer locations.
General Liability Insurance Texas Businesses Can Rely On
From small shops and offices to busy job sites and service-based businesses, one accident or allegation can quickly turn into a costly claim. General liability insurance helps protect your business if someone is injured, property is damaged, or you’re accused of causing financial harm through your operations, products, or services. It’s often the first commercial policy your clients or landlords ask for—and the foundation of your overall protection.
Based in the Dallas-Fort Worth area and serving businesses across Austin, San Antonio, Central Texas, and West Texas, Presley Insurance Group is an independent insurance agency in Texas that shops multiple carriers for you. We explain coverage in plain language and help you choose limits, endorsements, and additional insured options that satisfy contracts and fit your risk. Whether you’re just starting out or growing across multiple locations, you get clear guidance and a local team ready to help at renewal, at claim time, and every time you need a certificate.
Texas General Liability Insurance Coverage Options
Bodily Injury & Property Damage Liability
This core coverage helps protect your business if you’re held responsible for bodily injury or property damage to others arising from your operations. That could include a customer slipping at your office, damage to a client’s property while you’re working on site, or an injury connected to your services. We’ll review what you do, where you do it, and who you work with to recommend limits that make sense for your exposure and your contracts.
Medical Payments Coverage
Medical payments coverage can help with minor medical bills if a non-employee is injured on your premises or due to your operations, regardless of who was at fault. It’s designed to address smaller incidents quickly and may help prevent minor mishaps from becoming larger liability claims. We’ll review appropriate limits for your type of business and foot traffic.
Additional Insureds & Contractual Liability
Many contracts require you to add clients, project owners, or general contractors as additional insureds and to hold them harmless for certain claims. General liability policies can be structured with built-in additional insured and contractual liability provisions that satisfy common requirements. We’ll read through key contracts, explain the language, and help you select forms and limits that keep you compliant without overcommitting.
Products & Completed Operations
If a product you sell or work you’ve completed later causes injury or property damage, products and completed operations coverage steps in. This is especially important for contractors, installers, and businesses that manufacture or distribute goods. We’ll look at your project types and product distribution so your general liability policy reflects risks that can appear months or even years after the job is done.
Personal & Advertising Injury
Personal and advertising injury coverage helps protect your business against certain non-physical injuries—such as claims of libel, slander, or some types of advertising-related offenses. In a world of online reviews, marketing campaigns, and social media, we’ll help you understand how this coverage works and why it matters even if you don’t think of yourself as “in advertising.”
Damage to Premises Rented to You
If you lease office, retail, warehouse, or shop space, your landlord may require coverage for damage to premises rented to you. This coverage can help if a covered loss—like a fire you accidentally cause—damages the space you’re renting. We’ll coordinate your limits with lease requirements so your policy lines up with what your landlord is asking for.
Limits, Deductibles & Higher-Risk Operations
General liability policies can be tailored with different occurrence and aggregate limits, and sometimes deductibles, depending on your trade and risk profile. For higher-hazard operations, we’ll talk about appropriate limit structures, potential umbrella coverage, and ways to strengthen your risk management so you remain attractive to carriers as you grow.
General Liability Built Around Texas Risks
Doing business in Texas can mean busy urban projects in Dallas-Fort Worth and Austin, industrial work in San Antonio, or service calls across Central and West Texas. Job-site hazards, customer traffic, subcontractor relationships, and contract expectations all shape your liability exposure. We consider where you operate, who you serve, and how your crews work when we recommend coverage and carriers.
Our local insight helps you:
- Understand how lease and contract language in Texas affects your general liability needs
- Choose liability limits that satisfy project owners, landlords, and vendors—not just state minimums
- Coordinate general liability with contractors insurance, professional liability, and umbrella policies
- Protect against risks from subcontractors, temporary labor, and multiple job sites
- Plan for growth as you add locations, larger contracts, or new services across Texas
Smart Ways Texas Businesses May Save on General Liability Insurance
General liability insurance in Texas doesn’t have to be a mystery—or more expensive than it needs to be. While pricing and credits vary by carrier and eligibility, we look for ways to keep your coverage strong and your costs manageable as your business evolves.
- Multi-policy savings when you place general liability, commercial auto, and property with the same carrier
- Credits for written safety programs, training, and documented incident procedures
- Better pricing when operations and payroll are classified correctly from the start
- Potential savings for clean claims histories and proactive risk management efforts
- Options to adjust deductibles thoughtfully rather than cutting important coverage or limits
- Structuring coverage to reflect your actual operations so you’re not paying for exposures you don’t have
We’ll compare options from multiple carriers side by side so you see more than just a premium number—you’ll understand how each choice affects your protection, your contracts, and your cash flow. Our goal is to help you feel confident that your general liability insurance supports your business instead of holding it back.
Frequently Asked Questions
What is general liability insurance, and what does it cover?
General liability insurance helps protect your business if you’re held responsible for bodily injury, property damage, or certain personal and advertising injuries to others. Typical examples include customers getting hurt at your location, damage to a client’s property while you’re working, or some claims related to your products or completed work. It doesn’t cover everything—like your own property or employee injuries—but it forms the backbone of many commercial insurance programs.
Who needs general liability insurance in Texas?
Most businesses that interact with customers, clients, or the public can benefit from general liability coverage. That includes contractors and trades, retailers, restaurants, professional offices, home-based businesses, and many others. In practice, landlords, lenders, and larger clients often require proof of general liability before they’ll sign a lease or contract, so it’s both a protection tool and a business enabler.
How much general liability coverage do I need?
The right limits depend on your industry, contract requirements, customer types, and overall risk tolerance. Many small businesses start with $1 million per occurrence and $2 million aggregate limits, but certain trades, larger contracts, or higher-risk operations may call for higher limits or an umbrella policy. We’ll review your contracts, revenues, and exposure and then recommend limits that feel realistic and protective—not just the bare minimum.
Is general liability the same as professional liability or workers’ compensation?
No. General liability focuses on bodily injury, property damage, and certain personal and advertising injuries to third parties. Professional liability (or errors and omissions) addresses claims that your professional advice or services caused financial harm, while workers’ compensation helps cover employees’ injuries on the job. Depending on what you do, you may need one, two, or all three. We’ll help you see where each coverage fits into your overall plan.
Will general liability insurance cover subcontractors working for my business?
General liability may respond to claims involving your subcontractors, but carriers and contracts often require you to manage that exposure carefully—by collecting certificates, requiring subs to carry their own coverage, and using specific contract language. We’ll talk through how you use subcontractors, what your contracts say, and how to set expectations so you’re not unintentionally taking on more risk than you realize.
Can you help with additional insureds and certificates for my jobs and leases?
Yes. Our commercial and contractors teams work with certificates and additional insured requests every day. We’ll help you understand what your contracts are asking for, update your policy with appropriate endorsements where needed, and turn around certificates quickly so insurance details aren’t what hold up your project start or move-in date.