Commercial General Liability
Commercial General Liability insurance providing property, bodily injury, and guest protection, bringing peace of mind as your business ventures forward safeguarded.
Experienced experts safeguarding your business through tailored industry liability solutions.
Drawing from a century insuring businesses, our seasoned commercial experts deliver trusted guidance shaped by deep understanding of industry-specific risks. Collaborating closely, we carefully analyze liabilities stemming from premises accidents, professional negligence claims, and product defect incidents to tailor protective solutions proactively monitoring emerging tort exposures. This steadfast commitment partnering for your continued success ensures dynamic coverage fortified against evolving legal entanglements as operations expand and your enterprise flourishes.
Licensed commercial insurance experts serving businesses from small contractors to large manufacturers. By closely tracking industry regulations, safety protocols, and emerging risks, we take a proactive stance. This expertise enables comprehensive coverage against worksite accidents, product liability claims, and environmental incidents.
Transcending basic liability coverage, our tailored solutions safeguard your unique operations. From property damages to bodily injuries, from advertising claims to product liability, our policies shield against exposures, ensuring your commercial endeavors remain impenetrably protected with no vulnerable gaps.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Covers third-party injuriescaused by business operations, products, or premises hazards
• Defends against lawsuitsalleging negligence, defective products, or dangerous conditions
• Pays medical expenses,lost wages, pain and suffering damages
• Includes premises liabilityfor injuries occurring on business property
• Covers damages to others'property caused by business operations
• Protects against lawsuits allegingnegligence, faulty products, or hazardous conditions
• Pays for repair costs,replacement expenses, and related legal fees
• Includes product liability coveragefor damages caused by sold goods
• Covers lawsuits alleging libel,slander, defamation, or copyright infringement
• Defends against invasion ofprivacy, false advertising, and trademark infringement claims
• Pays for legal defensecosts, settlements, and awarded damages
• Includes coverage for onlinepublications, social media, and advertising content
• Covers medical expenses forthird-party injuries on business premises
• Pays for ambulance services,emergency room visits, and follow-up care
• Includes coverage for injuriescaused by business operations or products
• Provides no-fault medical paymentsregardless of legal liability
On average, Commercial General Liability insurance costs around $1,000 annually; however, individual premiums vary based on several factors:
Businesses in high-risk sectors like construction face steeper premiums as their increased liability leads to greater chances of claims.
Companies with frequent past claims or lawsuits incur higher rates, unlike firms with solid safety records and fewer incidents.
Larger organizations spanning multiple sites generally require more coverage, resulting in costlier insurance compared to smaller, single-location operations.
Higher coverage limits for bodily injury, property damage, and legal defense drive up premiums for increased financial protection.
Robust safety training, policies, and regulatory adherence lower risk exposure, enabling insurers to offer more favorable pricing.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
CGL policies generally cover claims arising from bodily injury, property damage, personal injury, and advertising liability. However, coverage is subject to policy terms and exclusions. Qualifying injuries or damages must occur during the policy period and be caused by your operations. Policies often exclude contractual liabilities and intentional acts. Best practices involve carefully reviewing exclusions and maintaining appropriate risk management protocols.
Yes, CGL policies commonly exclude coverage for certain high-risk activities like pollution, professional services, and construction work. These may require separate environmental, professional liability, or contractors' insurance policies. Some exclusions, such as for hazardous materials handling, can potentially be added back through endorsements. Thoroughly understanding your operations' risk exposures and reviewing policy exclusions with your agent is crucial.
Appropriate liability limits depend on your business's size, industry, risk exposures, and risk tolerance. Higher limits provide increased protection but come at a higher cost. Consider potential worst-case claim scenarios and your ability to absorb losses. Industry data and risk assessments can guide limit selections. It's advisable to periodically review limits as your business grows or risks evolve.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
