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General Liability Insurance

General liability insurance protects your business when a third party is hurt, their property is damaged, or you get sued because of something you did or didn’t do. It’s the foundation of business insurance for almost any Texas company.

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5★
Average Rating
10+
Years in Business
1,000+
Families Protected
24/7
Claims Support

Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.

The Foundation of Business Coverage

Almost any Texas business eventually faces a third-party claim — a customer slips and falls, a contractor damages a client’s property, a product allegedly causes harm. General liability covers the legal defense, settlements, and judgments. It’s often required by clients, landlords, and licensing boards before they’ll do business with you. Harvey Insurance has been writing general liability for Texas businesses for years. Give us a call and we’ll walk through what limits and structure fit your operation.

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What’s Covered

General Liability Coverage Details

We provide business general liability coverage that protects you from the third-party claims that are most common — and most financially damaging — for Texas businesses.

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Bodily Injury to Third Parties
Covers medical costs and legal fees if a customer or visitor is injured at your business or job site.
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Property Damage Liability
Pays for damage your business causes to a third party's property during operations.
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Personal & Advertising Injury
Covers claims of libel, slander, copyright infringement, or misappropriation in your advertising.
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Products & Completed Operations
Protects you from injury or damage claims arising from products you sell or work you've completed.
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Legal Defense Costs
Covers attorney fees and court costs — even for claims that turn out to be groundless.
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Medical Payments
Pays immediate medical expenses for injured parties without requiring a lawsuit to be filed.
Across Texas

What general liability covers

Three core areas of protection:

Bodily Injury

Third-Party Injuries

Customer slips and falls, visitor injuries, anyone hurt at your place of business or by your operations. Medical costs, legal defense, and any settlement or judgment.

Property Damage

Damage You Cause

If your business damages a client’s property — a contractor breaks a fixture, a service vehicle damages a building — general liability covers the cost.

Personal & Advertising Injury

Defamation & More

Less common but real: claims of libel, slander, copyright issues in your advertising, and similar non-physical liability exposures.

Why Harvey Insurance

Built on trust. Driven by service.

We’re not a call center or an app. We’re a local agency that treats every client like a neighbor — because most of them are.

01

Backed by Trusted Carriers

We work with the most trusted and recognized carriers in the country — giving our Texas clients access to strong coverage and reliable claims support.

02

True Local Expertise

We understand the specific risks Texas residents and businesses face and write every policy with that knowledge front and center.

03

Genuine Relationships

When you have a question or a claim, you reach us — the same people who wrote your policy. We know your name and advocate for you, every time.

Client Reviews

Real people. Real results.

FAQ

Common questions about general liability insurance

What does general liability insurance cover?
Third-party claims against your business: a customer injured on your premises, damage your operations cause to someone else’s property, and personal & advertising injury claims like libel or copyright issues in your marketing. It’s the foundational business liability policy.
Is general liability required in Texas?
Not by state law for most businesses — but commercially, yes: landlords require it for leases, clients require it in contracts, and general contractors require it before subs walk on site. The market mandates what the law doesn’t.
What does general liability not cover?
Your own employees’ injuries (that’s workers’ comp), professional advice and errors (that’s E&O/professional liability), business vehicles (commercial auto), and damage to your own property. GL protects against claims from others — it’s one layer, not the whole stack.
How much general liability coverage do I need?
The market standard is $1 million per occurrence with a $2 million aggregate — the numbers most contracts and leases specify. Higher-risk trades and larger contracts sometimes require more, often satisfied with a commercial umbrella on top.
What is a certificate of insurance?
The one-page proof of coverage clients, landlords, and GCs ask for before working with you. As your agency, we issue certificates on request — usually same-day — including additional-insured wording where a contract requires it.
How much does general liability cost?
It scales with your trade, revenue, and payroll — office-based and low-risk businesses often pay surprisingly little, while contractors pay more because their claims run larger. A quote takes a short conversation about what the business actually does.

Ready to insure your business?

Quotes vary by industry and risk — same-day callbacks from a local agent.

Sales
(469) 513-3379
Email
sales@harveyinsurance.co
Location
Addison, TX — Serving TX, OK & AR
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