The policyevery GCasks forfirst.
General liability is the foundation of contractor coverage and the policy behind nearly every certificate a customer, GC or license requires. Quote in minutes, certificate the same day.
A customer wants proof before you start. A GC won't let your crew on site without it. General liability is the certificate everyone asks for, and we get it out the same day.
What general liability does for you.
Bodily injury and property damage your work causes, on the job or after it's done.
Defense costs if you're sued over a covered claim, on top of the policy limit.
The coverage behind the certificate clients, GCs and license boards require.
Issue and email certificates from the app, any time, without calling us.
Texas general liability insurance: what to know
Texas general liability insurance isn't required by state law for most trades, but it's required by nearly every general contractor, commercial customer and city permit office you'll work with. The Texas Department of Insurance regulates the carriers that write it, and we only place coverage with carriers rated A- or better by A.M. Best. Typical Texas contractor limits are $1,000,000 per occurrence and $2,000,000 aggregate; larger GCs and public projects often ask for an umbrella on top. Premium depends on your trade class, annual revenue, payroll and claims history, which is why we shop 100+ carriers instead of quoting one.
How we quote general liability insurance in Texas: you give us your name, phone and trade, and the details you have on revenue, payroll and any certificate deadline. We send that to the carriers that actually want your class of work, pull the options into one side-by-side summary, and call you with the number. If a GC or city needs the certificate the same day, say so on the form and we work to that deadline. At renewal we take the policy back to market instead of auto-renewing it.
Source: Texas Department of Insurance.
Texas general liability insurance questions we get every week.
What does general liability insurance cover?
It covers third-party bodily injury and property damage your business or work causes, plus related legal defense costs. It does not cover your own employees (that's workers' comp) or your vehicles (commercial auto).
How much general liability do I need?
Many contracts require $1,000,000 per occurrence and $2,000,000 aggregate. Licensing minimums vary by trade. We match your limits to what's required.
Can I get a certificate of insurance today?
Yes. Same-day certificates are available once coverage is bound, and you can issue your own from our app.
How much does general liability cost?
It depends on your trade, revenue and claims history. We compare 100+ carriers and show every option side by side.
Get a quote before the job starts.
Name and phone is enough to start. Add the details if you have them and the quote comes back faster.
(951) 800-4287