Commercial Liability Insurance in Texas
Commercial general liability (CGL) protects a business from third-party claims for bodily injury, property damage, and personal/advertising injury. Many Texas commercial leases and client contracts require a minimum of $1M per occurrence / $2M aggregate. Independent commercial agents can often bundle CGL with property, auto, and workers' comp.
Top Texas Cities for Commercial Liability Insurance
Top Commercial Liability Insurance Agencies in Texas
Libertas Insurance (Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas, with a second office in Austin, serving individuals, families, and businesses across the state. As an independent agency, Libertas isn't tied to a single carrier — it compares multiple companies to fit each client's needs across personal lines (auto, home, life, umbrella, flood, boat, and motorcycle) and a full range of commercial coverage, including general liability, commercial property, workers' compensation, commercial auto, professional liability, cyber, and trucking. Led by owner Kyle Kriegel, the agency emphasizes clear, personalized guidance — "Clear & Simple Insurance" — with free no-obligation policy reviews, online comparative quotes, and 24/7 claims support through a modern client portal.
Combined Agents of America, LLC is a privately held aggregator group that strengthens independent agencies by combining expertise and relationships. Their mission is to foster profitable growth with quality, stable insurance companies while providing unsurpassed service and a wide variety of products to clients.
Licensed insurance agency in San Antonio, TX; represents 31 carriers.
Independent Insurance Center, Inc. (IIC) is a Texas‑based independent agency with over 100 years of experience serving businesses and individuals. They offer personal and commercial insurance solutions, including property, auto, farm, boat and specialty coverage, backed by a team of experienced agents.
SIG Insurance Services, LLC (SIG) is a multi‑location independent insurance agency founded in 2000 with over 30 offices throughout Texas. It offers personal, commercial, and life & health insurance products, aiming to provide comprehensive coverage and strong relationships with clients. The agency emphasizes growth, technology, and a broad market portfolio to serve both individuals and businesses.
Trutela Insurance offers auto, homeowners, life, and business insurance coverage, serving San Antonio and multiple states across the U.S. The agency emphasizes personalized service and a comprehensive portfolio of policies to protect clients' assets.
Marketplace Insurance Exchange is an insurance broker offering life, health, home, vehicle, business, and property insurance for individuals and organizations across 10+ states. They highlight 25 years of experience and a focus on personalized service and competitive rates.
Lorena Korpela is an insurance agent with Goosehead Insurance located in Cedar Park, Texas. She serves clients in Texas, Minnesota and Wisconsin, offering home and auto coverage backed by a service team. Lorena emphasizes personalized service and fast, knowledgeable communication.
Amtex Insurance provides affordable auto, home, and business insurance, emphasizing real, personal service. Since its founding, the agency has focused on delivering reliable coverage and multiple carrier options to the Texas community.
Welcome to the Richard Munoz State Farm Insurance Agency! Since 2009, we have been dedicated to meeting all your insurance needs. We offer a wide range of insurance options, including Auto, Homeowners, Condo, Renters, Life, Health, Business Owner's Insurance and Financial Services.
Dean & Davis Insurance is a local, family‑owned independent agency in Austin, operating since 1969. They provide straightforward, personalized home and auto insurance with bilingual (English and Spanish) service and a focus on long‑term customer relationships.
We hope you will Run With The Pack in 2026. Our mission is to help people make informed decisions about their insurance plans. My team has been helping our neighbors in the Lone Star State since 2009.
Frequently Asked Questions
Is commercial liability insurance required in Texas?
Not by state law, but most commercial leases, client contracts, and licensing requirements mandate a minimum CGL policy. Standard limits are $1M per occurrence / $2M aggregate.
What's the difference between general liability and a BOP?
A Business Owner's Policy (BOP) bundles general liability with commercial property coverage, often at a discount versus buying each separately. Most small businesses with a physical location qualify.
How is my premium calculated?
Carriers underwrite based on industry classification, annual revenue, payroll, prior claims history, and risk exposure. A retail shop pays differently than a contractor or consultancy.