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General Liability Insurance

What is General Liability Insurance?

General liability insurance, also called business liability insurance, helps protect your business from third-party claims, including:

  • Bodily injury
  • Property damage
  • Personal injury (libel or slander)
  • Advertising injury
  • Legal defense and court costs

It’s often required by landlords, lenders, or clients before you can sign contracts. For most businesses, it’s the foundation of a solid insurance plan.

What Does General Liability Insurance Cover?

A Texas general liability policy typically includes:

  • Customer Injuries – Covers medical and legal costs if someone is hurt at your business.
  • Property Damage – Pays for repairs or replacement if you damage others’ property.
  • Lawsuits & Legal Fees – Attorney fees, settlements, and court costs for covered claims.Covers attorney fees, settlements, and court costs.
  • Advertising & Personal Injury – Protects against defamation, copyright, or false advertising claims.

Why General Liability Insurance Matters in Texas

Whether you run a storefront in Dallas, a contracting business in Houston, or a home-based operation in Austin, general liability insurance is essential to shield your business from third-party claims. From customer injuries to property damage and advertising disputes, the right coverage helps you stay compliant and protected.

Local Expertise You Can Trust

At MCN Multiservices, we serve businesses across Texas. Our agents understand the unique liability risks Texas companies face, from slip-and-fall claims to defamation lawsuits—and we’ll help you find the right coverage to meet client, landlord, and contract requirements.

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What Makes Our General Liability Insurance Different?

Texas-Specific Expertise

We know the legal landscape and business insurance requirements in Texas.

Industry-Tailored Policies

Coverage for contractors, retailers, consultants, and more.

Affordable Premiums

Protection starting around $400/year.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

General Liability Tips for Texas Business Owners

  • Bundle Policies – Combine general liability with property or auto insurance for discounts.
  • Verify Subcontractors – Require proof of liability insurance to avoid exposure.
  • Review Contracts – Ensure your coverage meets client or lease requirements.
  • Update Annually – Adjust limits as your business grows or risks change.

Ready to Protect Your Business?

Contact MCN Multiservices today for a free general liability insurance quote in Texas. Our licensed agents will help you compare policies, understand coverage limits, and get insured fast—so you can focus on growing your business with confidence.

Frequently Asked Questions

Who needs General Liability Insurance?

If you deal with clients, vendors, or the public, you should have GLI. It’s especially important for:

  • Contractors & construction professionals
  • Retail stores & restaurants
  • Office-based businesses
  • Cleaning & repair services
  • Freelancers & consultants
  • Home-based businesses

What is not covered?

  • Employee injuries (covered by Workers’ Comp)
  • Professional errors (covered by Errors & Omissions)
  • Your own property (covered by Commercial Property Insurance)
  • Auto-related claims (covered by Commercial Auto Insurance)

Don’t wait until a claim hits. Make sure your business is protected with the right general liability policy.

While not legally required in Texas, general liability insurance is often needed to sign contracts, lease commercial property, or work with certain clients. Carrying general liability insurance in Texas is a smart business insurance investment to protect your company from unexpected lawsuits and financial risk.

The cost of general liability insurance varies based on business type, size, location, industry risks, coverage limits, deductibles, and claims history. Most small businesses in Texas pay between $400 and $1,200 annually for affordable business insurance and commercial insurance rates that provide solid protection.

Most small businesses start with $1 million per occurrence and $2 million aggregate coverage. Your coverage needs may vary depending on your industry, client contracts, and overall risk exposure. General liability insurance limits and recommendations ensure your business is adequately protected.

Yes! Many insurers offer Business Owner’s Policies (BOPs) that bundle general liability with property insurance and business interruption coverage. Bundling general liability and property insurance through a BOP insurance policy in Texas often provides discounts and simplified business insurance management.

To file a claim, notify your insurance provider immediately, gather documentation such as incident reports, photos, and witness statements, submit the claim form with supporting documents, and cooperate with the claims adjuster. Following this general liability claim process ensures your business insurance claim is handled efficiently.

Not automatically. Subcontractors should carry their own liability insurance. You may be held liable for their actions if they’re uninsured, so always verify subcontractor liability insurance before hiring to comply with contractor insurance requirements and protect your business.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.