- For Texas employers
- Foundational commercial coverage
General Liability Insurance
The coverage almost every Texas business needs first.
General liability insurance protects your business from third-party bodily injury, property damage, and the legal claims that can arise from everyday operations – from a customer slip-and-fall to property damage caused by your work.
- Covers bodily injury and property damage to others
- Pays legal defense costs even for unfounded claims
- Often required by landlords, clients, and contracts
- The foundation under almost every other commercial policy
📋 Request your free GL review
Trusted by Texas businesses since 1983
Serving the state since 1983
One point of contact, not a call center
Guidance across available options
Liability-heavy industries welcome
Why general liability matters
The claims it's designed to handle.
General liability is broad on purpose – the everyday risks of doing business often come from places you didn’t expect. Here’s what it’s built to cover.
Customer injuries
A customer slips on a wet floor, trips over a cord, or is injured on your premises. GL covers their medical bills and your legal defense.
Property damage to others
Your employee damages a client's property while doing the work - a broken window, a stained carpet, a damaged fixture. GL pays for the repair.
Advertising & reputation claims
Someone claims your advertising or marketing caused harm - copyright issues, libel, or slander. GL typically includes "personal and advertising injury" coverage.
Legal defense costs
Even unfounded claims cost money to defend. GL pays the attorneys, the court costs, and the settlements - so a frivolous lawsuit doesn't sink your business.
Required by contracts
Landlords, vendors, and clients often require proof of GL before they'll work with you. A certificate of insurance is one of the most-requested documents in business.
Foundation for other coverage
Commercial property, umbrella, and other policies often build on top of your GL. Without GL underneath, the whole stack gets harder to assemble.
What a GL policy typically includes
The core protections - and the limits to know.
General liability policies share a common structure, but limits and exclusions vary by carrier and industry. Here’s the framework – we’ll walk through the specifics for your business during your review.
Coverage details, limits, and exclusions vary by carrier and policy. Higher-risk industries may require specialized forms or excess coverage.
Medical and legal costs when someone is hurt by your business operations.
Damage to a third party's property caused by you or your team.
Libel, slander, copyright issues, and similar reputation-related claims.
Attorney fees, court costs, and settlements - even for unfounded suits.
Claims tied to your products or finished work after the job is done.
Small medical expenses paid quickly, without a liability finding.
Who needs general liability
Built for almost every Texas business.
If you have customers, vendors, employees, or a physical presence – you have liability exposure. GL is the starting point for protecting against it.
Storefronts & retail
Shops, restaurants, salons, and any business with foot traffic on your premises.
Trades & contractors
Service professionals
Tenant businesses
Why work with AimBest
An advisor in your corner - not a sales pitch.
General liability looks simple on the surface, but limits, exclusions, and industry-specific endorsements make a huge difference when a claim hits. We help Texas businesses get coverage that actually fits – and explain it in plain language.
Independent means we compare GL options across carriers – not push one product.
The right GL for a contractor isn’t the right GL for a restaurant. We tailor it.
One point of contact for COIs, renewals, and claims – not a call center.
"Aimbest helped us review our GL and caught a gap that would have hurt us if a claim ever came. The follow-up service has been just as good."
How it works
From first call to covered business -four steps.
Share your business and current coverage. A licensed advisor follows up.
We review your exposures and shop available carriers for the right fit.
Coverage, limits, and pricing explained – no pressure to switch.
Bind your policy and keep a real Texas advisor for COIs, claims, and renewals.
Common questions
General liability, answered.
Is general liability insurance required in Texas?
Texas doesn’t generally require GL by law for most businesses, but in practice it’s often required anyway – by your landlord, your clients, your vendors, or your contracts. Many commercial leases won’t let you sign without it, and many client agreements specify minimum GL limits and require you to add them as additional insured.
What's the difference between general liability and a Business Owners Policy (BOP)?
A BOP bundles general liability and commercial property into a single package designed for small to mid-size businesses – usually at a lower cost than buying them separately. Standalone GL is just the liability piece. If you have any physical assets, equipment, or inventory worth insuring, a BOP is often a better starting point than GL alone. We can compare both during your review.
How much general liability coverage do I need?
Typical small-business GL policies start with per-occurrence limits of $1 million and aggregate limits of $2 million, but the right amount depends on your industry, contract requirements, and risk exposure. Higher-risk operations, larger contracts, or industries with bigger potential losses may need higher limits or a commercial umbrella on top.
Does GL cover my employees if they get hurt?
No – that’s what workers’ compensation is for. General liability covers third parties (customers, vendors, the public) who are injured by your business. Employees injured on the job fall under workers’ comp, which is a separate policy. Many Texas businesses carry both.
What's typically NOT covered by GL?
GL doesn’t cover damage to your own property (that’s commercial property insurance), employee injuries (workers’ comp), professional errors and omissions (E&O), data breaches (cyber liability), or auto accidents involving business vehicles (commercial auto). Each of these has its own policy – and most growing businesses end up carrying several.
Can you review my current GL coverage?
Yes – that’s one of the most common reasons businesses come to us. Bring your current policy and we’ll review your limits, endorsements, exclusions, and pricing, and compare alternatives across carriers. No obligation to switch.
Related coverage
Coverage that often pairs with GL.
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Let's make sure your GL actually fits.
Request a free, no-obligation coverage review – or call and talk it through with a real Texas commercial advisor.