Complete your Texas General Liability file
Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.
Zero duplicate typing
Business & Commercial Fleet • Licensed Texas Agency
Compare Texas Commercial General Liability (CGL) Insurance Quotes
Need a $1,000,000 / $2,000,000 General Liability policy to step onto a Texas jobsite, sign a commercial lease, or satisfy a state TDLR license? Compare 30+ admitted and specialty CGL carriers in minutes.
✓ $1M / $2M Occurrence CGL
✓ Blanket Additional Insured
✓ Same-Day COI Issuance
30+ Texas Carriers Compared
Quote Texas General Liability
Enter your 5-digit Texas ZIP code to launch our guided Texas General Liability intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
GC & Landlord Compliant
Supports CG 20 10 / CG 20 37 Ongoing & Completed Operations Additional Insured, Primary & Non-Contributory, and Waiver of Subrogation.
TDLR Trade Ready
Exact CGL limits required for Texas HVAC/ACR, Electrical, Irrigator, Roofing, and Artisan trades.
Zero-Audit & Auditable Options
Compare transparent payroll- or gross-receipts-rated Texas policies across NEXT, Hiscox, Travelers, The Hartford & more.
What Texas General Liability covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Bodily Injury & Third-Party Property Damage: Covers customer slip-and-falls, accidental jobsite damage to a client's building, and legal defense costs up to $1M per occurrence / $2M aggregate.
- Products & Completed Operations: Crucial contractor protection if faulty installation causes water, fire, or structural damage months after a Texas job wraps up.
- Personal & Advertising Injury: Covers commercial libel, slander, copyright infringement in advertisements, and wrongful eviction by landlords.
- Damage to Premises Rented to You: Covers fire/explosion damage ($100,000–$300,000+) to a leased Texas office, warehouse, or storefront.
- Medical Payments ($5,000–$10,000): Pays immediate minor medical expenses for injured visitors without fault litigation.
- Contractor Endorsement Suite: Blanket Additional Insured, Waiver of Subrogation, Per-Project Aggregate, and Employee Benefits Liability.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- Subcontractor Uninsured Audit Trap: If you hire 1099 subcontractors in Texas without collecting their active GL Certificates of Insurance naming you Additional Insured, your carrier will charge steep uninsured-sub rates at annual audit—or exclude sub-caused claims!
- Action-Over / Tract-Home Exclusions on Cheap Surplus GL: Read surplus-lines GL quotes carefully for residential tract-housing exclusions, roofing open-roof exclusions, or prior-work exclusions—our agents flag restrictive forms upfront.
- Your Own Faulty Workmanship vs. Resulting Damage: CGL covers resulting third-party damage (e.g., ruined hardwood floors from a pipe fitting), not the labor cost to re-do your own defective work—professional design errors belong on E&O.
- Tools & Work Trucks Are Separate: CGL never covers stolen tools or highway auto crashes—bundle Commercial Auto and Inland Marine.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
GL + Commercial Auto
Combine your $1M CGL and $1M work-truck policies onto one clean contractor COI.
Smart Texas Pairing
Upgrade to a BOP (GL + Property)
Lease an office, shop, or storefront? A Business Owners Policy bundles GL + Business Property for less.
Smart Texas Pairing
GL + Inland Marine Tools
Protect contractor jobsite tools, trailers, and mobile machinery from theft across Texas.
Texas General Liability — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
It means your policy provides up to $1,000,000 for any single covered claim (per occurrence) and up to $2,000,000 total across all claims during the 12-month policy term (general aggregate).
Yes! We issue compliant Texas TDLR proof of liability certificates for Air Conditioning & Refrigeration (ACR), Electrical, Elevator, and Tow/Service licensees.
Texas general contractors frequently require both Ongoing Operations (while you're on the jobsite) and Completed Operations (after the project finishes) Additional Insured status—we match you with carriers offering both.
No. Employee injuries require Texas Workers' Compensation (or Occupational Accident), which you can select right alongside General Liability in our intake.
Same day upon carrier binding—and we promptly issue custom certificate-holder COIs whenever you win new Texas contracts.