General Liability Insurance in Texas - Protect Your Business

The Foundation Of Protection For Texas Businesses

General Liability Insurance helps Texas companies handle the everyday risks of doing business. O'Sullivan Integra serves Tomball, Cypress, and the Houston metro-covering third-party injuries, property damage, and personal/advertising injury. From a customer slip-and-fall at your shop off FM 2920 to a contractor accidentally damaging a client's fixture in 77377, GL helps cover legal defense and settlements so you can keep operating.

What General Liability Actually Covers

Person with an arm in a sling.

Bodily Injury Liability

Medical costs and legal expenses if someone is hurt due to your operations.

Building with magnifying glass.

Property Damage Liability

Repairs or replacement when you damage others' property.

A black and white shield with a check mark inside of it.

Personal & Advertising Injury

Claims like libel, slander, or copyright issues in your ads.

Most policies include legal defense (often within limits). We'll tailor limits to your contracts and landlord requirements in Houston and Tomball.

Who Needs GL? Almost Everyone

Retailers on Main Street, contractors on job sites along SH 249, consultants meeting clients in the Energy Corridor-GL is often the first policy requested by landlords, vendors, and general contractors. If you're signing a lease or a service agreement, expect to see additional insured and certificate requirements; we issue COIs quickly for clients.

Choosing Limits & When To Add An Umbrella

Common GL limits are $1M per occurrence / $2M aggregate, but contracts may demand higher. If you host events, manage crews, or face heavier foot traffic, consider extra protection with an Umbrella Insurance policy for higher liability limits across multiple policies.

FAQs For Houston-Area Owners

  • Is GL required by law in Texas?

    Not generally, but many leases and contracts require it-and it's strongly recommended.

  • Does GL cover injured employees?

    No. Employee injuries are a Workers' Comp issue; GL is for third parties.

  • How much does GL cost?

    It depends on industry, revenue, and claims history. A small office may pay far less than a roofing contractor. We'll shop carriers for you.