General Liability Insurance · Houston, TX
Ver en españolGeneral Liability Insurance for Houston Businesses
Protect your business from lawsuits and get the certificate of insurance your clients ask for, often the same day.
- 30+ carriers compared
- Same-day certificates
- Se habla español
- Walk-ins welcome
General liability insurance protects your business when someone outside your company gets hurt, or their property gets damaged, because of your work. It is the most common coverage contractors, landlords, and commercial clients ask to see before they hire you.
Reyna's Insurance Services is an independent, family-owned agency on Irvington Blvd. We compare 30+ insurance carriers to find general liability coverage that fits your trade and your budget, and our bilingual agents explain every part of your policy in English or Spanish.
What general liability usually covers
Bodily injury
Injuries to customers, visitors, or the public caused by your business operations.
Property damage
Damage you accidentally cause to someone else's home, building, or belongings while working.
Legal defense
Attorney fees and court costs if your business is sued over a covered claim.
Completed work
Claims that come up after a job is finished (products and completed operations).
Advertising injury
Claims like libel or copyright issues from your business advertising.
Additional insured
Adding a general contractor, landlord, or client to your policy when a contract requires it.
Who we help
- Contractors & subcontractors
- Roofers & remodelers
- Landscapers & lawn care
- Painters, electricians & plumbers
- Food trucks & caterers
- Cleaning companies
- Retail shops & restaurants
- Self-employed & 1099 workers
Why Houston businesses choose Reyna's
Independent agency
We're not tied to one insurer. We compare 30+ carriers for you.
Bilingual agents
Every agent speaks English and Spanish, so nothing gets lost.
Same-day COIs
Our clients get certificates of insurance fast, so jobs don't wait.
Experience you can trust
Family-owned for 15+ years, with 50+ years of combined agent experience.
Frequently asked questions
What does general liability NOT cover?+
General liability usually does not cover your own tools and equipment, your work vehicles, or injuries to your own employees. Those need equipment (inland marine) coverage, commercial auto, and workers' compensation. We'll review what your business needs so there are no gaps.
How much does general liability insurance cost in Houston?+
It depends on your trade, revenue, number of workers, claims history, and the limits you need. A small landscaping or cleaning business usually pays far less than a roofing contractor. The fastest way to know is a free quote. We'll compare multiple carriers for you.
How fast can I get a certificate of insurance?+
Once your policy is in place, we can usually issue a certificate of insurance (COI) the same day, including additional insured requests from a general contractor or property manager.
Do I need general liability if I have an LLC?+
Yes. An LLC can help separate your personal assets from your business, but it does not pay for injuries or damage your business causes. Many clients and contracts require general liability no matter how your business is set up.
Get your free quote
Tell us about your business and a bilingual agent will contact you, usually the same business day.