Your first line
of defense
against claims.
BenefitExcel shops general liability across many top-rated Texas carriers so your business is protected at the best available rate.
Most commercial leases and client contracts require general liability insurance without it, you cannot sign the contract or open the doors.
What Your General Liability Policy Actually Protects
Four core components work together to shield your business from the everyday claims that turn into expensive lawsuits.
Bodily Injury Liability
Pays medical expenses, legal fees, and settlements when a customer or visitor is injured at your business or as a result of your operations. Slip-and-fall claims alone generate billions in claims every year.
- Customer injuries on your premises
- Medical expenses and legal defense
- Settlements and court judgments
Property Damage Liability
Covers damage your business or employees cause to someone else's property. If a contractor damages client flooring or an employee breaks equipment, this coverage pays the repair bill.
- Damage to third-party property
- Employee-caused damage covered
- Legal defense if disputed
Personal and Advertising Injury
Protects against claims of libel, slander, and copyright infringement. An unintentional social media post or marketing claim can trigger a lawsuit that costs tens of thousands to defend.
- Libel and slander claims
- Copyright infringement defense
- False advertising allegations
Products and Completed Operations
Covers injury or property damage caused by products your business sells or work you have already completed. A product defect discovered months later is still covered under this component.
- Product liability claims
- Post-completion work defects
- Covers retail and manufacturing
Why two businesses pay different GL premiums.
Industry Class
Higher-risk industries like contractors pay more than professional offices with similar revenue.
Annual Revenue
Claims History
GL discounts most businesses miss.
Bundle with BOP
Claims-Free History
Advance Quote
Safety Procedures
Pay in Full
Trade Association
Security Systems
Loss Control Audit
GL questions answered plainly.
Texas does not legally require most businesses to carry general liability insurance. It becomes required the moment you sign a commercial lease or a client contract, because landlords and clients almost always want proof of coverage before you can move in or start work. In practice, most Corpus Christi businesses cannot open the doors without it.
It covers the everyday claims a business faces from other people. That includes a customer who slips and gets hurt on your property, damage your team causes to someone else's property, and claims of libel, slander, or copyright issues tied to your advertising. The policy pays medical bills, repair costs, legal defense, and settlements up to your limits.
There is no flat rate. Your premium is built from your industry, annual revenue, location, and claims history, so a low-risk office pays far less than a contractor bringing in the same revenue. Because we shop your risk across many top-rated Texas carriers, we find the one that prices your business most favorably instead of stopping at the first quote.
Most small businesses start with a $1 million per-occurrence and $2 million aggregate limit, which is also what the majority of leases and contracts ask for. The right amount depends on your industry, your assets, and what your contracts require. An advisor can match your limits to your real exposure so you are neither underinsured nor overpaying.
General liability covers claims that other people bring against you. A Business Owner Policy, or BOP, bundles that same general liability with coverage for your own building, equipment, and lost income. If you own or rent space and have property to protect, a BOP usually delivers more coverage for less than buying each policy on its own.
No. General liability covers injuries to customers and other third parties, not your own staff. Employee injuries fall under workers' compensation, which is a separate policy. Texas is unusual in not requiring most private employers to carry workers' comp, but going without it opens you up to lawsuits, so we are happy to quote both together.
Get your general liability covered today.
A real BenefitExcel advisor will compare GL options across many top-rated Texas carriers: right limits, right carrier, no pressure.