Understanding General Liability Insurance for Small Businesses

Running a small business in Texas comes with plenty of rewards—and its fair share of risks. Whether you own a retail shop, operate a contracting business, or provide professional services, protecting your business from unexpected claims is essential to long-term success. That’s where general liability insurance comes in.

At MAKZ Insurance Agency LLC, we help Texas small business owners understand their coverage options and secure the right protection. Here’s what you need to know about general liability insurance:

What Is General Liability Insurance?

General liability insurance is a foundational policy designed to protect your business from financial loss if you’re held responsible for injury or property damage to others. It’s often the first type of insurance a new business purchases—and for good reason.

What Does General Liability Insurance Cover?

A standard policy typically includes:

• Bodily Injury: Covers medical expenses and legal fees if someone is injured on your business premises or as a result of your operations.

• Property Damage: Pays for damages to someone else’s property caused by your business activities.

• Personal and Advertising Injury: Protects against claims of slander, libel, copyright infringement, or false advertising.

• Legal Defense Costs: Covers the cost of defending your business in court, even if a claim is groundless.

Why Is General Liability Insurance Important for Small Businesses?

• Client Contracts: Many clients require proof of general liability insurance before doing business with you.

• Accident Protection: Even careful businesses can face accidents—having coverage helps you avoid paying out of pocket for costly claims.

• Business Credibility: Insurance shows clients and partners that you’re responsible and prepared for the unexpected.

• Peace of Mind: Focus on growing your business, knowing you’re protected from common risks.

Who Needs General Liability Insurance?

General liability insurance is a smart investment for a wide range of businesses, including:

• Retail stores and shops

• Contractors and construction businesses

• Consultants and service providers

• Restaurants and food service businesses

• Offices and professional practices

If you interact with clients, customers, or the public, this coverage is essential.

What’s Not Covered?

While general liability is comprehensive, it doesn’t cover everything. Exclusions typically include:

• Employee injuries (covered by workers’ compensation)

• Professional errors (covered by professional liability insurance)

• Damage to your own business property

• Intentional acts or illegal activities

How to Get General Liability Insurance

1. Contact a Licensed Agent: Work with a professional who understands your industry and local risks.

2. Discuss Your Business Needs: Share details about your operations, location, and client requirements.

3. Get a Custom Quote: At MAKZ Insurance Agency LLC, we partner with top-rated carriers to find the right policy for your business and budget.

Why Choose MAKZ Insurance Agency LLC?

• Local Expertise: We understand the unique risks Texas businesses face.

• Top-Rated Carriers: Access to trusted insurance providers for comprehensive coverage.

• Personalized Service: Speak directly with a licensed representative for tailored advice.

Ready to protect your small business?

Call us at 281-912-3338 or request a general liability insurance quote online.