General Liability Insurance
The cornerstone of commercial coverage — protecting your business from third-party claims of injury, damage, and more.
General liability (GL) insurance is the foundational policy for virtually every business operating in Texas and Florida. It protects your company from financial losses arising from lawsuits and claims that your business caused bodily injury, property damage, or certain other types of harm to third parties.
What's Covered?
- Bodily injury to customers, vendors, or other third parties
- Property damage caused by your business operations
- Legal defense costs — even if the claim is false
- Personal and advertising injury (defamation, copyright infringement)
- Products and completed operations liability
- Medical payments to injured parties
Who Needs General Liability?
Almost every business — particularly those that:
- Have a physical location that customers or vendors visit
- Perform work at client sites
- Are required to show proof of insurance for contracts
- Manufacture, distribute, or sell products
- Run advertising or marketing campaigns
Texas & Florida Considerations
In Texas, general liability is almost always required by commercial contracts even though it isn't legally mandated at the state level. In Florida, many licensing boards require proof of GL before issuing a contractor's license or permit. We know the specific requirements businesses face in both markets.
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