Texas General Liability Insurance: Cost & Quotes From $20/mo

In an annual statistical report, the Texas Judicial Branch closed nearly 7 million filing cases in 2021. The Texas Department of Health and Human Services found that in between 2018-2020, 48 Texans died from personal injuries daily.

Businesses feel the costs of these personal injury claims and property damage every day as well. One tool in their toolbelt to protect their business interests is general liability insurance, which has the potential to save them thousands of dollars.

Don’t operate a restaurant, consulting office, or any other business in Texas without purchasing general liability insurance first. This article will look at some of the crucial things you need to know about Texas general liability insurance, including:

  • What is general liability insurance

  • Which businesses in Texas need general liability insurance

  • Texas contractor general liability insurance requirements

  • The cost of premiums

  • The best companies 

What is General Liability Insurance?

General liability business insurance Texas covers liability costs incurred that a business’s operations and products cause to customers. This insurance generally covers things like third-party injury and third-party property damage.

Texas business liability insurance can also cover things like slander, libel, and advertising injury from your normal business operations. Generally, causes that stem from any malicious intent by the business owner are not covered.

Does Texas Require All Businesses to Get General Liability Insurance

No, commercial general liability insurance Texas is not required by the state law in most cases. However, some cities may have local requirements for some types of businesses. 

State Texas law does set requirements for other types of insurance for all businesses. Auto insurance is generally required for business vehicles, and worker’s compensation is also required for any business that has a contract with a government entity and has employees.

Despite not generally being required, small business liability insurance Texas is an excellent idea to pick up because of how much money it can save you on legal costs and liability fees. A general liability policy is often required by clients in contracts to ensure costs will be covered.

Which Businesses in Texas Need General Liability Insurance?

Texas general liability insurance coverage is needed by many classes of businesses in Texas. Some popular venues that would greatly benefit from general liability insurance are listed below.

Contractors Some clients will often demand that a general liability insurance Texas contractor policy be in effect for contractors who conduct businesses. If you have a Texas contractor license, sometimes you will be required to have a current general liability policy
Restaurants Restaurants often need general liability insurance for small business in Texas to deal with customer sickness claims, slips and falls, and damage to customer property
Retail Stores Retail stores need general liability insurance to protect against customer lawsuits and other financial liabilities that stem from customer injuries
Therapists Therapists will need general liability insurance to protect them against any liability claims brought by their patients during the course of business

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Does an LLC Need Insurance in Texas?

No, LLCs are not usually required to get general liability insurance under state Texas law. There are some types of insurance that may be required, for example, worker’s compensation insurance under a government contract. Commercial auto insurance is also required for any vehicles on the road as well. 

Even though LLCs are limited liability companies, that does not entirely protect them from things like lawsuits and injury claims. General liability insurance Texas for LLC supplements protections from legal expenses.

Show thumbnail preview	 A woman using a calculator and a laptop on a desk while researching Texas general liability insurance options. A woman using a calculator and a laptop on a desk while researching.

What Does General Liability Insurance Cover in Texas?

General liability insurance in Texas covers costs resulting from:

  • Customer bodily injuries

  • Advertising injury claims

  • Property damage to customer property

  • Customer medical costs when you are at fault

General Liability Insurance Texas Contractor Requirements 

Some Texas contractors will have general liability insurance requirements they need to fulfill before they can take on a contract. Many Texas contractor license requirements dictate that you need active general liability insurance coverage. This coverage can vary depending on the area they are serving. Some requirements in common areas in Texas are listed below.

  • General Liability Insurance Houston TX: Houston’s Planning and Development Department requires that commercial general liability insurance includes $500,000 per occurrence and $1 million in aggregate coverage.

  • General Liability Insurance San Antonio TX: San Antonio contractors must register with the Development Services Department for limited repair work or construction work. For public works, you must have $5 million or more in general liability insurance.

  • General Liability Insurance Spring TX: Spring, Texas is a census-designated place that is within the jurisdiction of Houston, Texas. It shares contractor requirements with Houston and is considered a suburb of Houston. Commercial general liability insurance for contractors will need to have at least $500,000 per occurrence and $1 million in aggregate coverage.

  • General Liability Insurance Austin TX: Insurance policies must be written with companies with an AM Best rating of B+ or higher. Contractors must have general liability insurance with a $500,000 combined single limit, and if the project involves housing, it must also have $1,000,000 per occurrence.

  • General Liability Insurance Dallas TX: Dallas City Hall determines contractor contract insurance requirements. They must have at least $1 million per occurrence, $2 million in product aggregate, and $2 million in general aggregate.

Further Note on General Liability Insurance Houston TX Contractor Requirements

Commercial general liability insurance Houston TX is required for any contractors with the Texas Department of Transportation in addition to other requirements. You will need coverage that has comprehensive general liability insurance, bodily injury, and property damage. You must have not less than $500,000 per occurrence or $600,000 coverage. You must apply with your insurance provider to get a certificate of insurance to demonstrate that you are capable of satisfying this requirement.

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Cost of General Liability Insurance in Texas

The general liability insurance Texas cost is  $20 per month or $240 per year for a $1 million worth of coverage. If you are looking for cheap general liability insurance Texas take a look at the price comparison for some of the top companies below:

Cost per Month Cost per Year Best for
NEXT $20 $240 Best overall; Fastest general liability insurance in Texas
The Hartford $22 $264 High risk businesses in Texas
CoverWallet $30 $360 Online comparison shopping for different general liability policies
Tivly $41 $492 Comparing quotes over the phone
Thimble $42 $504 Short-term general liability coverage
Hiscox $48 $576 Small businesses in Texas

Compare Cheap Texas General Liability Insurance Quotes Online

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Best Companies for Texas General Liability Insurance

These companies have different advantages when choosing to get your policy. See below a review of the best things about these top Texas general liability insurance companies.



  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 


  • Online focus can be confusing for some

NEXT has an (A-)  AM Best rating and serves over 400,000 customers with different insurance options. Their general liability policy in Texas covers things like reputation harm, advertising injury, legal fees, property damage, medical payments, and slip-and-fall injuries.

They offer a competitive general liability policy for Texas businesses that keep your business in compliance with any local requirements that require general liability insurance with your business permit.

Best for: Best overall; Fastest general liability insurance in Texas

Average cost: $20 per month 

Our rating: 10/10

The Hartford


  • Covers high-risk customers

  • Fast to handle claims

  • Excellent customer service


  • All purchases require an agent

The Hartford has some great value options for a general liability policy. They provide options to cover bodily injury, property damage, reputational harm, advertising injuries, and damage to any premises you rent.

This company has an A+ rating from AM Best and an impressive A+ Better Business Bureau rating. They boast over $11 billion in written premiums yearly and have a high 4.8 customer review rating from customers who have bought their services.

Best for: High-risk businesses in Texas

Average cost: $22 per month 

Our rating: 10/10



  • Compare rates quickly 

  • General liability insurance comes with HNOA coverage

  • Convenient policy dashboard


  • Not an insurance company but an insurance broker 

CoverWallet has general liability insurance partners that offer bodily injury and property damage protection, personal injury, and medical payment coverage. They also offer a notable tenant’s legal liability option for those that are renting instead of owning property.

CoverWallet has an A+ rating from BBB and operates in 48 different states. They write premiums for over ten thousand customers per year.

Best for: Online comparison shopping for different general liability policies 

Average cost: $30 per month 

Our rating: 10/10



  • Huge selection of insurance partners

  • Tailored process to connect you to the right people


  • No online quotes

Tivly has general liability insurance for Texas businesses with the most selection from their 200 partners. This company has an A rating with the BBB. They are a tech-focused insurance broker that has over 20 years of experience. Call now to compare quotes over the phone. Call now to compare quotes over the phone. 

Best for: Comparing quotes over the phone

Average cost: $41 per month 

Our rating: 10/10



  • Over 300 professions covered

  • Deductibles as low as $0


  • Online-only customer support

Thimble’s general liability insurance covers bodily injury, property damage, and advertising injury, including reputational damage. They offer insurance certificates for contractors that need a state-issued permit or license or to get a contract bid.

Thimble has an A (excellent) rating from AM Best. They cover 300 professions and have sold over 200,000 policies.

Best for: Short-term general liability coverage

Average cost: $42 per month 

Our rating: 10/10



  • Tailored policies for small businesses

  • Personal agent experience


  • Fewer policy options than others

Hiscox is a small business-focused insurance company that offers a tailor general liability insurance experience. You get to determine the premiums, coverage, and deductibles for your policy, so you only pay for what you need. You can set the occurrence limit and aggregate limits as well.

Hiscox serves over 500,000 small businesses and offers policies that are international. They have an A rating from Am Best and offer dedicated personal agents that get back to you within 24 hours.

Best for: Small businesses in Texas

Average cost: $48 per month 

Our rating: 10/10

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