One form, multiple carriers
General liability pricing varies widely between carriers for the very same business. We compare the markets we work with so you see more than one option without answering the same questions five times.
General liability insurance
General liability insurance quotes for Texas businesses.
Complete the form below and a licensed insurance professional will follow up to review your options. There is no obligation to purchase.
General liability insuranceWork directly with a licensed independent agent
General liability insurance quotes for Texas businesses.
One short form. A licensed independent agent compares general liability options from carriers who understand your trade and your class code. Serving Texas, Virginia, California, and North Carolina.
✓
Bodily injury & property damage✓
Certificates for your jobs✓
Limits matched to your contractsYears helping business owners
13
Independent agency
Licensed states
TX · VA · CA · NC
● All licenses active
“Your request goes directly to a licensed agent — it is never sold or routed to third parties.”
Why businesses come to us for GL
Most owners need a certificate by Friday, not a lecture on insurance.
General liability is usually the first policy a business buys, and often the one a landlord or general contractor wants in hand before you can start work. We make it quick.
Written for your class code
Carriers price general liability by what you actually do, not by an industry you pick from a dropdown. Our intake collects the class of work, payroll, and subcontractor details underwriters need, so you aren’t quoted by a carrier who can’t write your trade.
Certificates when you need them
Once you’re bound, you can request certificates of insurance for your jobs and additional insured endorsements when a contract calls for one.
What general liability covers
What a general liability policy is actually for.
A standard general liability policy responds to claims brought against your business by other people. Your exact coverage depends on your policy form, endorsements, and carrier — the summaries below describe typical coverage, not your specific policy.
BI
Bodily injury to others
If a customer, vendor, or passerby is injured in connection with your operations — the classic slip-and-fall — general liability can respond to their claim and to the cost of defending it.
PD
Damage to someone else’s property
If your work or your operations damage property belonging to someone else, such as a client’s floor or a neighboring unit, this is typically the coverage that responds.
P&A
Personal & advertising injury
Covers certain non-physical claims such as libel, slander, and some advertising-related allegations arising out of your business.
PCO
Products & completed operations
Claims that arise after you’ve finished the job or the customer has used your product. For contractors, this is often the part a general contractor cares most about.
MED
Medical payments
Pays limited medical expenses for someone injured on your premises regardless of fault, which can resolve a small incident before it becomes a claim.
NOT
What general liability does not cover
General liability is not everything. It generally does not cover employee injuries (workers’ compensation), vehicles you drive for work (commercial auto), professional mistakes (errors & omissions), or damage to your own property and your own work. We’ll tell you which of these you actually need.
Simple 3-step process
Step 1
Tell us about your work
Share your trade, location, payroll, and revenue, plus any limits your contract requires.
Step 2
We shop your general liability
A licensed agent reviews your request and compares carriers with appetite for your class of work.
Step 3
Compare options & bind
Review quotes, ask questions, and choose the option that fits your coverage needs and budget.
Bonus
Certificates & ongoing support
Request certificates and additional insured endorsements as jobs come up, and update limits as the business grows.
Carriers we work with include
Travelers · Liberty Mutual · The Hanover · AmTrust · The Hartford
Carrier availability varies by state, class of business, and underwriting appetite. Not all carriers are available for every risk.