General Liability Insurance in Texas

Protect your business from the unexpected.

Everyday Coverage for Everyday Risk

Running a business comes with risk—but you don’t have to face it unprotected. General liability insurance helps cover the most common exposures businesses face every day, from customer injuries to property damage and legal claims. At Stieber Insurance Group, we help Texas business owners secure strong, straightforward coverage—so one accident doesn’t become a major setback.


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What Does General Liability Insurance Cover?


This foundational policy helps cover the costs of claims that could otherwise come straight out of your pocket.

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Bodily Injury

Covers medical expenses, legal fees, and settlements if someone is injured on your business premises or as a result of your services.

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Property Damage

Protects your business if you accidentally damage someone else’s property during the course of your work.

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Personal and Advertising Injury

Covers claims of slander, libel, copyright infringement, or false advertising—especially important for service providers and online businesses.

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Legal Defense Costs

Even if you're not at fault, this coverage helps pay for your legal representation and court costs.

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Products and Completed Operations

Covers liability related to goods or services you’ve already delivered that may later cause injury or damage.

General Liability Insurance FAQs

  • Q1: Is general liability required by law in Texas?

    No—but many landlords, lenders, and clients require proof of coverage. It's considered essential for nearly every type of business.

  • Q2: What kinds of businesses need this coverage?

    Almost all. From retail shops and restaurants to contractors and consultants, general liability protects against everyday risks.

  • Q3: Does it cover employees?

    No—injuries to employees are covered under workers' compensation, not general liability.

  • Q4: Can I customize my coverage limits?

    Yes. We’ll help tailor your policy limits to match your business size, risk exposure, and contractual requirements.

  • Q5: Does this policy cover damage to my own property?

    No—general liability covers damage to others’ property. To protect your own space and assets, you’ll need commercial property coverage.

  • Q6: Can I bundle this with other business policies?

    Absolutely. Many businesses combine general liability with property and auto in a business owners policy (BOP) for streamlined protection.

Protection You Can Count On

Lawsuits, accidents, and claims happen—but they don’t have to threaten your business. Let’s make sure your general liability coverage is strong, affordable, and ready when you need it.


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