What Is General Liability Insurance?

Responsible business owners in Texas know that running a company comes with its share of financial risks. One of the most important ways to safeguard your business from unexpected challenges is through general liability insurance.

Whether you’re a small business owner or an independent contractor, understanding this coverage is essential for your operations and reputation.

What Does General Liability Insurance Cover?

General liability insurance is designed to financially protect your business from certain claims that can arise during everyday operations. This coverage typically includes:

• If a customer or third party is injured on your business premises or as a result of your operations, general liability insurance may help cover medical expenses and legal costs.
• If your business activities accidentally damage someone else’s property, this coverage can help pay for repairs or replacements.
• Claims of libel, slander or copyright infringement related to your business’s advertising or communications may also be covered.

Why Is General Liability Insurance Important in Texas?

Texas does not require general liability insurance by law for most businesses, but many clients, landlords and contracts will require you to carry it. Even if it’s not mandatory, having this coverage can help protect your business from costly lawsuits and claims that could otherwise threaten your financial stability.

For small businesses and independent contractors, a single accident or claim could have a significant impact; general liability insurance can play a key role in maintaining business continuity.

Who Needs General Liability Insurance?

This policy is useful especially for certain groups, such as:

• Small business owners who interact with customers or the public
• Startups looking to build credibility and meet contract requirements
• Independent contractors who want to insure themselves against third-party claims
• Any business that owns or leases commercial space

How Our Team Can Help

At Amco Auto Insurance, our team can help you assess your needs and find the right general liability insurance for your business. If you have questions or want to explore your options, reach out to us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.