Contractors and Trades
General contractors and property managers want a certificate before you start work on their job.
General Liability Insurance in San Antonio
The policy landlords, clients and general contractors ask for first. It covers claims that your business injured someone or damaged their property.
Who It's For
Retail, Offices and Services
Customers and visitors at your location, and work you do at a client's home or business.
Landlords and Investors
Liability for rentals, vacant lots and properties held in an LLC, often as part of a landlord or vacant policy.
What It Covers
Bodily Injury
A customer slips in your store or a visitor trips over materials at your jobsite.
Property Damage
Your crew damages a client's floors, a neighbor's fence or a car parked in the driveway.
Products and Completed Operations
Claims that come up after a job is finished or a product is sold, such as a leak from plumbing you installed.
Personal and Advertising Injury
Claims of libel, slander or copyright infringement tied to your advertising.
Legal Defense
Defense costs for covered claims, which on most policies are paid in addition to your limits.
Medical Payments
Small medical bills for someone hurt at your location, regardless of fault.
Texas and San Antonio Details
Commercial leases and contracts commonly ask for limits of $1,000,000 per occurrence and $2,000,000 aggregate, with the landlord or client named as additional insured. Read the insurance section of your lease or contract before you buy; it decides the limits and endorsements you need.
General liability leaves several things out. Injuries to your own employees fall under workers' compensation, vehicles need commercial auto, your own property and tools need property or inland marine coverage, and mistakes in advice or professional services need professional liability.
Many small businesses that qualify buy general liability inside a business owner's policy, which adds property and business income coverage.
Common Questions
How Much General Liability Do I Need?
Start with what your leases and contracts require. $1,000,000 per occurrence and $2,000,000 aggregate is a common requirement, and higher limits usually come from a commercial umbrella.
Is General Liability the Same as a Business Owner's Policy?
A business owner's policy packages general liability with property and business income coverage. Many small businesses that qualify buy a BOP instead of a standalone policy.
Does General Liability Cover Injuries to My Employees?
No. Employee injuries fall under workers' compensation or, for Texas nonsubscribers, an occupational accident or employer liability policy.
Does General Liability Cover Mistakes in My Work?
It covers injury or damage your work causes to others. It generally does not pay to fix or redo your own work, and mistakes in advice or professional services need professional liability.
Can I Get General Liability for One Job?
Some insurance companies offer short term or project policies, but most businesses carry an annual policy so their certificates stay current from job to job.
Related Coverage
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