Houston, TX · Commercial General Liability
Commercial General Liability Insurance in Houston, TX.
Commercial general liability (CGL) covers third-party bodily injury, property damage, and personal & advertising injury claims. It's the base layer nearly every landlord, customer, and contract requires.
Local context
Why Houston operators call us.
Our home base. Houston runs on small businesses, contractors, medical services, and independent trucking — every one of them needs the right policy in place before the first invoice. We've been placing commercial general liability coverage for businesses across Harris County for more than 30 years — the same specialty markets we use for Houston clients, priced against Houston's local exposures.
What it covers
Inside the policy.
- Premises liability
- Products/completed operations
- Personal & advertising injury
- Medical payments
- Defense costs outside limits (per form)
How we write it
Our approach for Houston.
- Bodily injury and property damage liability
- Products and completed operations
- Personal and advertising injury
- Additional insured endorsements
- Same-day certificates of insurance
FAQ
Commercial General Liability questions from Houston clients.
Is CGL the same as a BOP?
A Business Owner Policy (BOP) usually bundles CGL with property. CGL alone is just the liability piece — good when you don't need property coverage or your property is written separately.
How much liability do I need?
$1M per occurrence / $2M aggregate is the standard baseline. Contracts and landlords often dictate higher — we size it to your obligations.
More Houston coverage
Same coverage, other cities
Get a real quote
Commercial General Liability insurance in Houston — done today.
Tell us about your risk. We'll come back with real numbers from carriers who actually write your business.