General Liability Insurance in Texas

The Foundation of Business Protection

Every business faces the risk that a customer, vendor, or visitor could be injured or that someone's property could be damaged because of your operations. Even a claim without merit can mean legal fees and lost time. General liability insurance, often called commercial general liability (CGL), is designed to protect your business from those costs. At Southwest Insurance Management Group, we help Flower Mound business owners find general liability coverage that fits their industry, size, and budget.

What General Liability Insurance Can Cover

A general liability policy typically responds to claims made by third parties, which may include:

• Bodily injury, such as a customer who slips and falls at your location
• Property damage, such as damage to a client's property caused by your work
• Personal and advertising injury, including claims of libel, slander, or copyright infringement in your advertising
• Medical payments for minor injuries to others on your premises, regardless of fault
• Products and completed operations claims related to goods you sell or work you have finished
• Legal defense costs, including attorney fees and court costs, in addition to settlements or judgments, subject to policy terms

General liability does not cover everything. It generally does not apply to injuries to your own employees (see workers compensation), damage to your own property (see commercial property), vehicles used in your business (see commercial auto), or claims arising from professional advice or services (see professional liability). We will explain how each policy fits together so there are no surprises.

Who Needs General Liability Insurance?

Nearly every business can benefit from this coverage, and many landlords, clients, and general contractors will not work with you without it. We help a wide range of Flower Mound and North Texas businesses, including:

• Retail shops, restaurants, and cafes
• Offices and service providers
• Contractors, remodelers, and trades
• Salons, studios, and fitness businesses
• Property owners and landlords
• Home-based and small businesses

Need proof of coverage for a lease or a job? We can provide certificates of insurance and help you meet contract requirements.

Why Choose Southwest Insurance Management Group?

Our Flower Mound team understands the local business community. As an independent agency, we compare options from multiple carriers and help you choose limits and deductibles that make sense for your risks. We can also review your general liability alongside your property, commercial auto, professional liability, and umbrella insurance so your coverage works together. Our annual policy review helps keep your protection current as your business grows.

Have questions about liability coverage for your business? Call us at 972-318-0900, email an agent, or request a quote online.