General Liability Insurance in Texas

Foundational Protection for Everyday Business Risks

At DeShazo Insurance, we help Texas businesses guard against lawsuits, property damage, and accidents with smart, affordable general liability insurance. Whether you’re a contractor, consultant, or shop owner, general liability is often the first—and most essential—policy your business needs.

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What’s Included in General Liability Coverage

Our Houston-area clients often choose:

Bodily Injury Liability

 Covers medical bills and legal costs if someone is injured on your property or as a result of your work.

Property Damage Liability

Pays for damage you or your employees cause to a customer’s or third party’s property.

Legal Defense & Settlements

Covers your legal expenses if you’re sued, even if the claim is groundless.

Personal and Advertising Injury

Protects against libel, slander, copyright infringement, or false advertising claims.

Medical Payments

Pays for minor injuries without assigning legal fault, which can help avoid larger lawsuits.

Tenant’s Liability (Fire Legal Liability)

Covers accidental fire damage to rented office or retail space you occupy.

 General Liability Insurance FAQs

  • Is general liability required by law in Texas?

    No, but it’s often required by landlords, clients, or contracts.

  • Does general liability cover employee injuries?

    No—those are covered by workers’ compensation.

  • Will this cover damage to my own property?

    Absolutely. This policy extends protection for anything above your homeowners limits.

  • Can I get a certificate of insurance (COI)?

    Yes. We provide fast COIs for jobs, landlords, and vendors.

  • What types of businesses need general liability?

    Nearly all—from freelancers to contractors to storefronts.

  • How much coverage do I need?

    $1M per occurrence / $2M aggregate is common, but we’ll help tailor limits to your risk.

Protect Your Business from the Unexpected

At DeShazo Insurance, we help you shield your business from potential lawsuits and liability claims. Whether you're just starting out or growing fast, we’ll help you stay protected and prepared.