Is Your Texas Business One Accident Away from Bankruptcy? Why You Need General Liability Insurance Now
Run a business in Texas? Then you know the hustle is real. Whether you’re a general contractor in Houston, a drywaller in Dallas, or running a trade business in San Antonio, you are focused on getting the job done right.
But here’s the hard truth: accidents happen.
A ladder falls on a client’s car. A customer trips over a tool left on a job site. A finished project causes damage months after you’ve left. Without the right protection, a single lawsuit could drain your bank account and close your doors for good.
This is where Commercial General Liability (CGL) Insurance comes in.
What is General Liability Insurance?
Think of General Liability Insurance as your business’s shield. It protects you from the most common risks that business owners face daily: lawsuits, job site injuries, and property damage claims.
According to the experts at Quote Texas Insurance, this coverage is what most general contractors and commercial clients require before they even let you step foot on a job site.
What Does It Actually Cover?
If you are wondering what you are paying for, here is the breakdown. A solid General Liability policy helps cover:
Bodily Injury: If a third party (like a client or a delivery driver) gets hurt on your job site, this covers their medical bills and your liability.
Property Damage: Did you accidentally put a hole in a wall or scratch a client's expensive flooring? This pays for the repairs.
Legal Defense: If you get sued, lawyers are expensive. This insurance pays for your defense and any settlements so you don’t have to pay out of pocket.
Completed Operations: This is a big one. It covers damage or injury caused by your work after you have finished the job.
Note: It’s important to remember that CGL does not cover injuries to your own employees (that’s Workers' Comp) or your business vehicles (that’s Commercial Auto).
Why “Quote Texas” Does It Better
Buying insurance can feel like pulling teeth. You call a big company, wait on hold, and get sold a generic policy that might not even fit your specific trade.
Quote Texas Insurance flips the script. Here is why Texas business owners love them:
They Are Brokers, Not Agents: This means they don’t work for a specific insurance carrier; they work for you. They have no allegiance to one brand.
The "Shop and Compare" Strategy: They don’t just give you one price. They shop your policy across 65+ top-rated carriers (like Travelers, Progressive, and The Hartford) to force them to compete for your business. The result? Better coverage at a lower rate.
Real Humans, Real Fast: No bots. You talk to licensed Texas agents who understand your trade. They make the process simple and can often get you a quote in under 10 minutes.
The Cost of Peace of Mind
Business owners often ask, "How much is this going to cost me?"
The answer depends on your trade, payroll, and history. However, Quote Texas specializes in finding affordable rates for small businesses. For example, a drywall contractor with a few employees can often find comprehensive coverage for a surprisingly low annual premium.
Considering the average cost of a slip-and-fall lawsuit can reach tens of thousands of dollars, the premium is a small price to pay for survival.
Don't Wait Until It's Too Late
In the world of business, being reactive is dangerous. Being proactive is profitable.
If you are operating without liability coverage, or if you think you might be overpaying for your current policy, let the local experts handle it.
Ready to protect your hard work?
Call Quote Texas: 844-402-4464
Get a Fast Quote Online: https://www.quotetexas.com/com....mercial-general-liab
