Protect Your Business from Unexpected Risks
In today’s fast-paced and highly litigious environment, even a single accident or lawsuit could financially devastate a small business.
At Galloway Insurance, we offer customized liability insurance solutions to protect your Texas business against costly legal claims, property damage, and bodily injury lawsuits.
We proudly serve businesses across Marble Falls, Burnet, Horseshoe Bay, and throughout Central Texas, helping local businesses secure liability coverage.
What Does Business Liability Insurance Cover?
Business liability policies are designed to protect you against common risks, including:
- Bodily Injury Liability – Covers injuries sustained by third parties on your business premises or due to your operations.
- Property Damage Liability – Pays for damage you or your employees cause to someone else’s property.
- Personal and Advertising Injury – Covers claims of libel, slander, copyright infringement, or misleading advertising.
- Legal Defense Costs – Helps pay attorney fees, court costs, and settlement expenses related to covered lawsuits.
Depending on your business operations, additional specialized liability policies may also be recommended, such as:
- Professional Liability (Errors & Omissions)
- Cyber Liability Insurance
- Employment Practices Liability Insurance (EPLI)
- Contractors Liability Coverage
Who Needs Business Liability Insurance?
All business can benefit from liability coverage, including:
- Retail stores and restaurants
- Contractors and tradespeople
- Consultants and professional service firms
- Real estate agents
- Health and wellness businesses
- Manufacturers and wholesalers
How Much Business Liability Insurance Do I Need?
The amount of coverage you need depends on several factors, including:
- Your business size and location
- Industry-specific risks
- Annual revenue
- Number of employees
- Contracts requiring proof of insurance
At Galloway Insurance, we work with you to assess your specific risk profile and recommend the right policy limits to protect your business.
Our Promise: Insight, Expertise and Relationsip
At Galloway Insurance, we believe in more than just selling policies —we’re here to build lasting partnerships with Texas business owners.
- Insight—We understand your needs.
- Expertise—We understand Insurance.
- Relationship—You will love doing business with us, we care.
- Here to Help—When you call, we answer… When you come by, we’re here.
- Community—We make significant investments in our community because of your choice to do business with us.
Frequently Asked Questions (FAQs)
Is general liability insurance legally required in Texas?
No, Texas does not mandate general liability insurance, but many landlords, clients, and lenders require proof of coverage before doing business.
Does general liability insurance cover professional mistakes?
No, general liability covers physical injuries and property damage. To protect against professional errors, you’ll need a Professional Liability (Errors & Omissions) policy.
Can independent contractors get business liability insurance?
Yes, independent contractors are often required to carry their own general liability insurance to work with clients.
What happens if a lawsuit exceeds my liability limits?
If a claim exceeds your policy limits, your business may be responsible for paying the difference unless you have additional coverage like a commercial umbrella policy.
Can I bundle business liability with other coverages?
Yes! Many small businesses can bundle general liability with property insurance under a Business Owners Policy (BOP) for better savings and broader protection.