Protection for the Unexpected

General Liability for Fort Worth Businesses

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South Fwy Office:

7200 South Fwy. Fort Worth, TX 76134

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South Fwy Phone:

817-223-1886

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Hemphill Office:

4043 Hemphill St. Fort Worth, TX 76110

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Hemphill Phone:

817-952-9995

Keep Your Business Covered

Accidents Happen—We Help You Be Ready

General liability insurance helps protect your business from the things you can’t plan for—like property damage, accidents, or lawsuits. At VIP Insurance & Services, we support Fort Worth business owners with clear coverage, personal service, and honest answers in both English and Spanish.

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Required for many commercial leases and contracts.

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Covers bodily injury, property damage, and legal defense.

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A must-have for contractors, retailers, and service businesses.

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We help you meet certificate and proof-of-insurance requirements fast.

What General Liability Covers

One policy can help protect your business from thousands in losses. We help you make sure it’s the right fit.

Get a General Liability Quote Now

Bodily Injury & Medical Payments

Covers customer injuries on your business property or job site.

Property Damage

Pays for damage you or your team cause to someone else’s property while working.

Legal Costs

Includes legal defense, settlements, and court fees if your business is sued.

40%

40% of small businesses will face a liability claim in the next 10 years.


Source: U.S. Small Business Administration (SBA)

$35,000

The average general liability claim for property damage or injury is $35,000.


Source: The Hartford Small Business Index

1 in 3

1 in 3 small business insurance claims involve liability.


Source: Insurance Information Institute (III)

Your Liability Questions—Answered

General Liability Insurance FAQs

  • Is general liability insurance required by law in Texas?

    No, but many landlords and clients require proof before signing a lease or contract. It's often a necessary part of doing business.

  • What types of businesses need general liability?

    Any business with a storefront, office, or job site—especially contractors, retail, food service, and home-based businesses.

  • Does it cover employee injuries?

    No. General liability covers third parties like customers. For employee injuries, you’ll need a workers’ comp policy.

  • Can I get same-day proof of insurance?

    Yes. Most of our general liability policies come with fast certificates of insurance (COIs). Just ask—VIP is fast and responsive.

  • Can I bundle this with other business coverage?

    Absolutely. We can package general liability with commercial auto, property, and more. Let us help you simplify your coverage.